Complaint Review: Florida Passport

I received a phone call from a company stating that I had bought something from their company or an associate company that qualified me for this free trial offer and to receive 2 free plane tickets to Orlando Florida I was fine with the whole thing till they said that there would be a charge to my bank account for $149 if I did not cancel the trial within the time allotted and they assured me that I wouldn't have a problem there I still didn't want it but they hung up I got the package in the mail and I called the number to cancel it the day I got it there was only 1 day left on the trial the day I got it but I figured I cancelled it in time I went up to visit my family for Thanksgiving and I had just enough money in my account for the trip right before I was supposed to leave I went to walmart to get something and my bank card was refused I went back to my moms house and called the bank and was told it was an electronic check for Florida Passport and was given the number to call to fix it I called 4 times that night and was disconnected all 4 times I called again the next day and got ahold of someone and was told that I cancelled the day I was charged I told them that wasn't possible because I was on the road all day that day but they told me to get a refund I would have to have my bank call them to verify that the funds were taken from my account to get it back so I did and the bank called them they said they couldn't put the money back in my account but they could send me a check and that's what they are supposedly doing, I am going to give it a week then I am going to my bank and filing a false report, I am a single mom who doesn't have much money and because of their $149 charge my account is now overdrawn by $278.43, I was left stranded with my 10 month old son who had run out of formula and diapers and no way to get home I had to borrow money from my mom to get everything and to get home and I dont know how I am going to get my bank account straightened out I didn't even know my account could be overdrawn that much I will update when I know what I have to do.

Angela
Pensacola, Florida
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

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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.