IW Living Lean Wu-Yi Tea Source they tried to steal my money Las Vegas Nevada Internet *EDitor's Suggestions on how to get your money back into your bank account!
I ordered the tea, then, when I ran out I tried calling customer service to find out when my next shipment would arrive. I waited on hold so I went online and chatted via IM with a customer service person who told me to use a particular email address to find out if my shipment could be expedited. I received no responses to my emails.
Then a couple of days later, I checked my bank and discovered a $19.95 charge that didn't make sense to me. I have resolved the problem through my bank. My bank suggested that before buying products online in the future I should call the selller's customer service number and talk to a person before providing any credit card info.
Frustrated
Charlotte, North Carolina
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!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
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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.
2 Updates & Rebuttals
Wuyi Source
Las Vegas,Nevada,
U.S.A.
Hello,
#3UPDATE Employee
Mon, March 03, 2008
Hello,
We apologize for the trouble.
We have already refunded your money back to your account for the tea.
But for Living Lean, you need to contact their customer service at 1-866-396-5711 where you will be assisted by a representative. They are available Monday to Friday from 8 AM - 5 PM MST only.
Also, we are calling Living Lean on your behalf and you'll certainly receive the money back in your account within 5-7 business days.
Thanks,
Shalyn,
Wu-Yi Customer Support Manager.
Colleen
Nuevo,California,
U.S.A.
The bank is not the enemy
#3Consumer Comment
Wed, February 27, 2008
I too was a victim of Wu-Yi Source tea. After the intitial $6.95 introductory fee, I was charged $37.00. I sent an email requesting a cancellation. Three weeks later I received the $19.95 charge from IW/Living Lean.
That being said, I will share my credit card experience. My husband used our debit card to make the initial purchase. When the $37.00 charge came through, I sent the email to Wu-Yi and then filed a dispute with my bank. I received a credit that same day. When I received the $19.95 charge on my account, I filed another dispute and received same day credit. You have to be very specific when you file disputes and also state the proper reason on the forms.
All credit and debit card issuers use the same format and reasons for disputes. For the $37.00 charge I used the reason "I have engaged in one or more transactions with this person but cancelled the service effective __/__/__." You will be asked to whom you spoke. I put that I cancelled via email and listed the email address. For the $19.95 charge I used the reason "did not authorize this charge, unknown person."
My comments to the rip off report are this. You make it sound like you are attacking the banks. If people are experiencing problems getting credits, it is usually due to a lack of education on their part. You are correct that you are afforded certain protections under Reg E. This information must be given to the customer upon account opening via an account disclosure. I would venture to say that 99.9% of the people out there don't bother to read the disclosures. It very clearly spells out your rights and obligations should you have a problem.
In today's electronic world, most people have immediate access to bank or credit card statements. They can see most transactions in real time. For those who don't have access, they still receive a monthly paper statement. 60 days is plenty of time to find the error and take appropriate action. Why is it the bank's fault if you don't look at your statement for 6 months and then realize you are being charged for something that you didn't authorize? The reason for the 60 day timeframe is because that is the amount of time the bank has to return the items. The bank should not have to take a loss for a customer's failure to look at their statements. If your bank is giving you problems about disputing items, you are at the wrong bank. They are required by law to file disputes, but must be supplied with the proper information from the customer within the stated timeframe.
I am going to file a police report naming Wu-Yi Source as someone that committed fraud againt me. They are the real enemy!