Ideal Financial Solutions Stole money directly from my bank account Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!
I recently found charges to my checking account and had no idea what they were. Upon further inspection, I found that multiple companies, including Ideal Financial Solutions were taking money from my account without my permission. Someone needs to do something about these illegal scams.
Jason
Saint Johns, Michigan
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
RipoffReport.com
Author of www.ripoffrevenge.com
Rip-off Report
PO Box 310, Tempe, Arizona 85280
1 Updates & Rebuttals
Gardner
Chandler,Arizona,
U.S.A.
Did you ever try any of their services or are you just trying to tarnish a good company's reputation for some other reason?
#2Consumer Suggestion
Tue, February 24, 2009
When a company has been in business for over 16 years and has hundreds of thousands of customers WHO THEY HAVE HELPED I'm sure you are bound to find someone who is not happy. When a person has spent a lot of money and tried a companies service and is not satisfied and can't get a refund and then goes to the effort to file a valid complaint that is one thing. But when competitors of the company and/or companies who are selling services to repair your reputation post stuff just to be malicious that is sad. Ideal offers a money back guarantee and all a person needs to do is ask for their money back if they are not happy it makes me wonder what is the motivation in this compliant?
I have had personal experience with the Ideal Financial Solutions that I would like to share. My first question is did this person ever actual try any of their service? If not what are you judging this company on?
My husband lost his job and we were trying to make it on just my income, but we were falling behind on all of our bills. I had heard there were programs to help people like us and by luck I came across Ideal. We did not want to hurt our credit with the debt programs like Consumer Credit Counseling or debt settlement. We were confident that my husband would get another job, however we just needed some help to get through this tight period.
As soon as we got our free financial analysis done we were able to see where we were and the best option moving forward. They did pitch us on a full service program that cost several thousand dollars, but as soon as we told them we wanted to do the do-it-yourself program they pointed us in the direction we needed to go and we were on our way. We are still club members and this is the best $30 dollars I have ever spent! We were able to avoid bankruptcy, save our home and reduce our monthly outgo by over $465 per month. I have referred them to three of my friends and they have all had similar experiences. I recently referred them to one of my co-workers and they told me that the Ideal was on Ripoff Report I did not believe it. I knew I needed to share my story and tell people if you have not tried their services please don't discourage people who are in need of help from working with a great company that can really help them M. Gardner