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Fast Auction Profit Aka Myseoguidenet Money taken w/o Authorization Is called Stealing! St. George Utah *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you!
Yesterday was the first I was aware of any deductions taken from my account. I first called the bank to find out what was going on. I was referred to call both Fast Auction Profit and the Myseoguidenet which they both have the same number 866-652-0479. I called and spoke with a guy who tried to explain to me that I had purchased a cd on ebay that had terms and conditions, so in repsonse I told him, I had neither purchased his d**n cd nor did I authorize any deductions to be deducted from my bank account.
He advised that I needed to fax a copy of my bank statement(imagine that! more numbers for them) along with a statement requesting that my money be refunded to fax number 435-652-0482 and reference my cancellation code LN 170246. I advised him that it's kind of hard to cancel something you did not sign up for. I asked him how long till my refund would be credited to my account. At this time I was only aware of 2 $49.95 and 1 $9.95. I did as I was advised. I typed up a letter requesting my money to be refunded and attached my account statement with two of the deductions circled on the statement. The third I advised in the letter that the second $49.95 the bank had notified me of when I had previously phoned them.
The gentleman let me know that after they received my fax I needed to wait on an email to acknowledge my "account" had been closed. Once I received the email, he advised it would be 3-5 business days for my money to be credited back.
Well later last night I sure enough received that email, however it stated that "a refund for the two most recent charges which are $49.95 and $9.95. This is as far back as we can go for your refund. Your account has been cancelled so there will be no further charges. The refund may take up to 10 business days to show back on your card." On that, let me clarify I have no credit CARDS what so ever! Makes you wonder how they exactly got my straight checking account only information. Anyways she continued to explain all about the Terms of Service. Well, personally I'm glad she is aware of such and it probably keeps her boss happy, but when I have not ordered nor received the d**n cd they keep referring to, the Terms of Service have nothing at all to do with me.
In response to her well thought out email I responded very nicely which frankly I'm not a very nice person, I've learned nice gets you no where!!, But I wanted her to note that she had missed the deduction on Nov. 10, for another $49.95. I also had gave her the bank's phone number if she needed to verify such being that since it is only now Nov. 15, the monthly statement has not yet been printed and mailed out for the month of November. It takes a lot of common sense to figure that one out.
Later, I received yet another reply from Veronica that stated "On your statement it was only for October charges. I also stated that I could only refund $49.95 and $9.95. This all that we can do." Well, I didn't like that response either so I once again replied and advised her that I would contact the bank myself and have them fax a print out for me to the fax number I was given earlier. I also went on to explain why I did not have a copy of my November statement being that it is only the middle of the month. In the meantime I was still digging up more paperwork and found the $1.97 charge deducted from my account on the 16th of September. I advised this so called Veronica of the charge in September and that being nothing was authorized even if her company had to refund my money in two amounts the full amount would be returned or I would seek further action.
Needless to say I did not receive another reply until almost 8'oclock this morning. My reply was "The refund that was issued to you is more than what our company is require to give you. Seeing as the charges are monthly fees and they were agreed to when your credit card information was put in. If a dispute is place there will be no refund. We do win charge backs and thus you will receive none of the money back."
Like I said earlier I'm not a nice person, I have been taught to bite my tounge when needed, so I have replied to her stupid response yet. However, I'm sure she's probably sitting back glotting thinking she has gotten the last word. However while she does her glotting I have advised my lawyer of this matter, have obtained all three months bank statements, revised my request letter for my money which all will be faxed in first thing in the morning. My bank today was notified to file any and all papers for a dispute. And for Veronica's sake, Fast Auction Profit's sake, they need to pray that I don't decide on a road trip because within quite a few hours Utah would be in site. Then the tracking down and a*s kicking would be a blast. People that know me, including my boss who would excuse me from work, all know all too well that it can and will be done if necessary! I work hard every d**n day and have three kids to support, propably just like the other people's stories I was reading on here. But to actually take that money with no authorization, to me is down right stolen. And although I have not seen the d**n "CD" From the stories of those who have, personally I think they might need to invest in some public speaking and/or English cd's for their own survial.
Tamara
Terra Alta, West Virginia
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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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
Paul
Anaheim,California,
U.S.A.
The good, old demand draft scam strikes again. If only people knew just how easy it is to empty their whole checking account.
#2Consumer Suggestion
Sat, November 25, 2006
Here's what a crook needs to empty your checking account.
Your account number and your name. That's it.
WHAT? WAIT A MINUTE! Doesn't each and every check that you hand out have that information on it?
It sure does.
So, that means every time that you give someone a check, they can use the information on it to make a demand draft and empty your whole checking account.
Plus, here's the best part. You're gonna love this.
There is no legally mandated dispute mechanism, and no limit on liability.
That's straight off the FTC website. Google demand draft fraud. Read it for yourself. I don't make this silliness up.
There you have it. All anyone needs is your account number and your name. They use those things to make a demand draft and clean out your account.
Now, you have to run screaming into the bank and try to get them to get your money back. Good luck with that! Hopefully, you'll have canned food and water stored away. Or else, you might not be eating for the next 90 days.
Plus, your bank might never get your money back. Hey, it happens all the time. After all, we all know how consumer-oriented banks are, right?
So, what should you do?
Well, for starters, I'd close any checking accounts. I don't think they can use demand drafts on a savings account. Maybe, you could open one and use it to cash all your paychecks.
You know, it's funny, really. People use checks because they think they're safer than carrying cash.
Boy, how wrong can they be?
So let's add it all up, shall we? You go down and open a checking account. Each month, it costs you money to have that account. And, it turns out that anyone who puts their mind to it can take every dime you have in there, and there's nothing that you can do about it.
Gee, do you think that maybe you shouldn't be living out of a bank? Perhaps you might be safer using good, old cash to pay your bills. Assuming that you actually have any, that is. Most bank customer losers are working off of credit cards. It's hard to spend cash when you don't have any, huh?
Between the demand draft scams, and the banks themselves stealing your money with overdraft scams, it's no wonder that the average banking customer has no money to spend. No wonder they're living off of credit cards.
It's funny, really. People have gotten so used to paying all kinds of fees just to spend their own money. Somehow, this is supposed to be convenient. ATM cards. Debit cards. Checks. Online banking. What's it work out to? A hundred a month, or so? All those little transaction fees?
Banks have a million ways to charge you everytime you spend your own money.
Ah, what the hell. You hit the lottery, right? So, you have plenty of extra money to hand away on bank fees. After all, it's not like you actually had to work for that money. It was all for free. So, what difference does it make if you give it away to the bank?
So, keep right on writing those checks everytime you spend money. Bankers like that. So do the demand draft crooks. Besides, you're part of the financial system. Doesn't that make you feel special?