Complaint Review: BRYLANE HOME

In checking my bank statements, we discovered that Identity Secure of or ID Secure has withdrawn $139.99 from our account. This alarmed us because we were not familiar with this company and had not given ID Secure any authority to access our bank account.
I called my bank to confirm that ID SEcure had accessed my bank account and was told that they had withdrawn $139.99. My bank gave me their phone number and so I called to find out who they were and why they had takeout unauthorized funds from my bank account.
I spoke with a man who identified himself as Frank (no last name) I asked him why they had removed those funds without my athorization. Frank told me that I had given them authorization when I used a $5.00 coupon that was sent to me by Brylane Home. According to frank, this coupon enrolls me automatically in an identity security program and that I was sent a confirmation letter to that effect informing me of the enrollment. I informed Frank that I had not used any such coupon ever and that I never had received any confirmation letter either.
I demanded that the money be returned to me as soon as possible. Frank apologized and said the money would be returned in the "next billing cycle".
I then emailed a Brylane Home service representative Cesar Avalos who then directed me back to customer service! This was not satisfactory and so I contacted Brylane Home again, this time a Michael Delgadillo responded with a like email asking me to contact customer service, again.
Fed up with this run around, I phoned the Brylane Home customer service and asked them why they had given my bank account number to ID Secure when I had given Brylane Home no authorization to do so? I was given the ID Secure phone number and was asked to contact them directly.
My main complaint is that confidential information that I shared with Brylane Home as a repeat customer over many years, was given out to another company without my authorization! This is a fraudulent practice and unaccepatble.

Phil
GLENDALE, Arizona
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
RipoffReport.com
Author of www.ripoffrevenge.com

Rip-off Report
PO Box 310, Tempe, Arizona 85280