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Ameritrust Financial Credit they told me that i needed to give them $200.00 out of my checking account That would be paid back $50.00 at a time I told them no they took the money anyways Clearwater Florida *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you!
Ameritrust financial credit called my house and told me that I was preaproved for a creditcard and help to reestablish my credit they told me that I needed to have a checking account to proove that I was who I said I was I gave them that information Then they asked for the usual questions that crediy card companys ask birthdate ss# mothers maiden name then they gave me a confirm # iI talked to someone else Then I talked to the first lady she asked for my check # I told her I just opened up an account and I wasn't giving them any money until I read some sort of paper work she told me that they would send some and that it was ok for me to let them have the $200.00 because I was getting it back in 4 payments every time I made a payment on my new credit card I told her no send me the info I looked On my checking account staement and see that they took my $200.00 without my permission.
Michael
Streamwood, Illinois
U.S.A.
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@ripoffreport.com
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
2 Updates & Rebuttals
S.n.
Bucyrus,Kansas,
U.S.A.
Gee, What A Great Response!
#3Consumer Suggestion
Tue, December 19, 2006
Judging from the number of complaints filed here, I would say that several people were taken advantage of. Since the OP has told you no permission was given to remove money from the bank account, do you suppose there was never a seven digit number provided? I'm betting there was not. Nice try.
Sandra
Dunedin,Florida,
U.S.A.
rebuttal
#3UPDATE Employee
Tue, December 19, 2006
The only way our company would be able to run any sort of transaction is if the customer went through a verbal verification recording giving us permission to run that payment on the day they actually set up with the agent on the phone at that time.
We would very much like to resolve the issue with the customer. In order to do that we need more information. If they do not want to give us their name, then please provide us with the 7 digit ID# that they were given at the time of verification.
We can start there and find out what took place with this customer.
Please call us @866-529-7037.
Thank You,
Ameritrust Customer Service