Careington International Corporation Ripoff debits money from checking accounts without permission. Frisco Texas *EDitor's Suggestions on how to get your money back into your bank account!
I was checking my bank account online, when I discovered a debit for $116.55 on May 9, 2005, a charge I did not expect. It was from Careington International Corporation, so I called them asking why I had not been niotified of this upcoming charge. They said I was, but I was not, I did not receive a notice from them, if I had I would have sent a check for this amount instead of having it debted from my account.
I decided to drop this insurance, because I do not like dealing with dishonest companies; so I e-mailed Bob Cooper that I no longer wanted the insurance and to please refund my money. I received an e-mail from Sue Pentecost telling me it would have to be approaved and I would receive my money within 30- to 45 days. I was informed by Sue Pentecost on June 6, 2005 that I would get my refund; it is now 36 working days later and I have received nothing in my checking account.
Why does a committee have to approve returning one's money to them that was taken without permission in the first place.
Bennie
Jeffersonville, Indiana
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!
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...the victims' advocate
WE are Civil and Human Rights Activists
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...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.
1 Updates & Rebuttals
Sue
Frisco,Texas,
U.S.A.
Know the facts! To Bennie Jeffersonville, IN
#2REBUTTAL Owner of company
Wed, February 01, 2006
Bennie obtained membership with CAREINGTON International Corporation through one of our outside selling agents that utilizes web-based selling. Our program is not insurance and we clearly identify that it is not an insurance product.
The membership was purchased in May of 2003. At the time of her purchase the website she purchased from clearly stated that upon submitting her application online the consumer "agreed to the terms and conditions of the program and that the account of record would continue to be debited and the program renewed until such time that the consumer submitted a written request to cancel". Additionally, Miss Bennie's membership renewed in May 2004 in the exact same manner as in May 2005.
In addition, as a courtesy to our members CAREINGTON International Corporation sends a renewal notice letter approximately 30 days in advance of the renewal. This lead time gives the consumer plenty of time to send in a written request prior to the renewal in the event they wish to cancel.
It is the member's responsibility to notify CAREINGTON International Corporation of their change of address in the event they move; Miss Bennie failed to do so. CAREINGTON International Corporation cannot be responsible for Miss Bennie not receiving her renewal notice in the mail when we would have no way of knowing that she had moved without her informing us.
Additionally, Bennie was given a full refund of the $116.55 for the 2005 annual renewal. The original refund check was mailed to her on July 5, 2005, exactly 41 days following her cancellation notice. Please bear in mind that those 41 days included weekend and holiday days. Bennie was advised that the process could take up to 45 days to complete; she clearly states that timeframe in her editorial. Unfortunately because we were not aware of her change of address Bennie did not receive the first check we mailed. We were forced to palce a "stop payment" on that check and re-issue the refund. The replacement refund check was mailed on August 25, 2005 after we were notified that she did not receive the first one.
Our Refund Committee must review all requests for a refund; that is our company policy. Our company is very consumer friendly, but consumers do not have the right to demand that a company change their policies simply to appease the consumer.
CAREINGTON International Corporation has been in business since 1979 and we have over 6 million members nationwide utilizing our discount healthcare programs. We are members of the Better Business Bureau of Metropolitan Dallas as well as Consumer Health Alliance, a professional organization established to protect consumer's rights.
It is very unfortunate that consumers are allowed to slander a company in a public forum with absolutely no validation to their claims. You should be required to investigate issues prior to posting information on your website. There is absolutely no factual basis for any of Bennie's claims.
Sincerely,
Sue Pentecost
Director of Member Services
CAREINGTON International Corporation