Complaint Review: Consumer Trust Financial

I was online applying for a payday loan. A pop-up add came up asking if I wanted to apply for an unsecured credit card. I clicked the no box. After this I went online to review my checking account to find that $149.00 have been withdrawn from my account which caused a $99 in overdraft fees.I had two personal checks go into overdraft because of this.

I have called the 800 number three times. The first time I was told that I checked the yes box, I told her I did not that I didn't even know what this charge was
all about. I was told I would have to send written notice requesting a refund.

I did this and when enough time had past that a response should have been sent, I called again to the 800# and was told that a response had been sent.
Ten days past, no response, I called a third time to be told that I had not allowed enough time for the response. This call was made the day I filed this report.

I also went to my bank as soon as charges were noted on my checking account, only to be told that they could not do anything. I told the rep that I did not authorize these charges. They suggested blocking my account so no other charges would come through, but by doing this I could not write any checks. I was never given the form.

I asked bank to close the account, but was told they could not close account since it had a negative balance.
The bank employee said there was a form that could be filled out to deny the charges, but she did not know where to find them.

As of today, I have received nothing from Consumer Trust Financial.

Gayle
Berry, Alabama
U.S.A.
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 chargetruth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

demand tion E.
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 orm.



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