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Family Savers Club ripoff Offered free membership for 14 days, them removed money from my bank. Now they will not answer my phone calls or e-mails. Pleasent Grove Utah *EDitor's Suggestions on how to get your money back into your bank account!
Family Savers e-mailed with a free 14 day trial of their services. I thought I would see what it was about for free. However as soon as I recieved their membership card they removed money from my account.
When this happend I called their number, getting only a machine and no return call. I e-mailed them and got the e-mail back saying there was no such e-mail address.
As a result of their actions my bank account was overdrawn which resulted in overdraft charges. I now have hundreds of dollars in charges which I am unable to repay and so they keep growing. The morgage is due on my house and I now have to try to beg and borrow from others just to make ends meet.
Charles
Blanchester, Ohio
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 you 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/comptroller 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.
8 Updates & Rebuttals
Ricky
High Point,North Carolina,
U.S.A.
canceled my membership and they still took a fee from my paypal account
#9REBUTTAL Individual responds
Mon, September 06, 2004
I canceled my membership and they still took a fee from my paypal account
Robert
Pleasant Grove,Utah,
U.S.A.
Our members save thousands of dollars over the course of a year and we are very proud of our service.
#9UPDATE Employee
Thu, August 26, 2004
Jenna signed up for our 14 day trial of the Family Savers Club at www.claimyourvacation.com. It clearly states in bold letters above the sign up form that the free vacation includes a 14-day trial in our club. On the page where she entered her credit card information there is a clear link to our terms and conditions which indicate that by paying the $1.95 shipping fee and registering for the vacation you are also accepting a trial membership and that after the 14 days you will begin to be charged for the club membership fees. We also sent her an email with this same information and we mailed her a member information kit which explained how she could cancel by emailing or calling our toll free number.
We even give our members a 7 day grace period if they call in after they've been charged where we will gladly refund their money. Our service is exceptional and we don't want anyone in our club who doesn't want to be with us. Our members save thousands of dollars over the course of a year and we are very proud of our service. If Jenna will call our toll free number at 800-558-0064 we will gladly refund her charge.
Jenna
Tracy,California,
U.S.A.
Ripped off by family savers club
#9REBUTTAL Individual responds
Wed, August 25, 2004
I signed up on Family savers club for $1.95. It was a one time charge and I did not sign up for a trial membership! They took $19.95 from my credit card just 2 weeks later. That was not authorized by me.
Dan
Pleasant Grove,Utah,
U.S.A.
we will gladly refund the charge. We are not in this business to fool anyone
#9UPDATE Employee
Tue, August 24, 2004
Ed,
I saw a complaint against our service, Family Savers Club, on your site recently and I would like to address the issue. When someone registers for the 14 day trial period we send them a welcome kit which includes instructions for how to begin saving with our service along with a membership savers card that they can take with them to Hotels, dining establishments and so forth.
We clearly state in our welcome letter that after the 14-day trial period they will be charged the monthly fee. Also, in our welcome letters we clearly state our toll free number (800-558-0064) and email address support@familysaversclub.com. We try to give our trial members every opportunity to cancel within the trial period before we start charging them (we actually give them 18 days). If someone calls our customer service line after hours we return each of those calls within 1 business day.
I would love to have the opportunity to help Charles in Ohio with his situation and if warranted we will gladly refund the charge. We are not in this business to fool anyone or charge anyone for anything they do not want.
-thank you
STEPHANIE
CLIFTON PARK,New York,
U.S.A.
UNAUTHORIZED FUNDS TAKEN FORM MY BANK ACCOUNT
#9Consumer Comment
Mon, August 16, 2004
When I signed up with Secret shopper I was given a free membership to family savers. They have this month taken 20 dollars from my bank account . I did not authorize it. I want my money back.
STEPHANIE
CLIFTON PARK,New York,
U.S.A.
UNAUTHORIZED FUNDS TAKEN FORM MY BANK ACCOUNT
#9Consumer Comment
Mon, August 16, 2004
When I signed up with Secret shopper I was given a free membership to family savers. They have this month taken 20 dollars from my bank account . I did not authorize it. I want my money back.
STEPHANIE
CLIFTON PARK,New York,
U.S.A.
UNAUTHORIZED FUNDS TAKEN FORM MY BANK ACCOUNT
#9Consumer Comment
Mon, August 16, 2004
When I signed up with Secret shopper I was given a free membership to family savers. They have this month taken 20 dollars from my bank account . I did not authorize it. I want my money back.
STEPHANIE
CLIFTON PARK,New York,
U.S.A.
UNAUTHORIZED FUNDS TAKEN FORM MY BANK ACCOUNT
#9Consumer Comment
Mon, August 16, 2004
When I signed up with Secret shopper I was given a free membership to family savers. They have this month taken 20 dollars from my bank account . I did not authorize it. I want my money back.