Complaint Review: ID Card Services

This is the second incident I have had with this company. I discovered 2 debits in August of 31.98 for July and August. I called the 866# from my bank statement and the barely-english speaking representative kept asking for my social security # before they would assist me. I refused to provide the information and demanded to speak with a manager and they left me on hold for over 20 minutes before I disconnected the call. At that time, I called my bank to advise them of the discrepancy and they credited the funds back to my account and said they would conduct their own investigation (good help is obviously hard to find) - apparently, their investigation only verifies that the transaction is fraudulent and no further action was taken by my bank.

Yesterday, November 27, 2007, I went to withdraw funds from my account only to discover that they had withdrawn $31.98 AGAIN from my account. At that time, I was not sure that it was the same company, so I called the 866# and went through the same hassle - this time they demanded my bank account info and my social security # - and again I refused and demanded a manager - after being placed on hold for 30 minute increments on 2 phones, I had my husband pretend to be an officer and they finally put Adrian on the phone and that's when I knew for sure it was the same company because I spoke to her the last time. She continued to solicit me for my social and/or bank account info - I refused and explained to her why, I demanded to know how they got my info and she said that they had received an application on 11/25/07 - I WAS OUT OF TOWN, furthermore, that is the day I drove back and did not access the internet or complete any sort of applications whatsoever! I demanded a copy of the app and any other info they had relevant to me and she refused, I demanded to speak with her boss and she, again, put me on hold for over 53 minutes before THEY finally just disconnected me completely.

I am now fighting with my bank because I can't understand how they are able to continue to access my bank account - I am now researching to see if they have withdrawn any other monies from my account so that I can include the info in my police report and have these funds credited back to my account; however, my bank informs me that if they have my social they can continue to gain access to my account and that they will not be able to stop this from happening.

I need some assistance, I am hoping that there are enough victims to warrant a large-scale investigation to locate and stop this company from ripping off me or any other people - I am no where near rich and every dollar I have in and out of the bank is a necessity - PLEASE HELP ME STOP THESE CRIMINALS!!

Montesha
Reynoldsburg, 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 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.