Complaint Review: MWI Simple Escapes

I did not notice the $14.95 being taken from my account every month for the past 11 months because of so many other charges I had made. I noticed this month because I had not used my account in a while and I got an overdraft fee.

I called the company after finding the phone number on this site and started yelling at the guy. I asked him what the company did(or didn't) do. He told me they give discounts to department stores. Who's going to pay $15 a month for a coupon?! Anyway then I asked why I was being charged and he told me it's because I signed up. I said I didn't and he insisted that I did. I asked him why would I sign up for something that I know NOTHING about? He told me to ask the other 5million customers why they signed up.

Then I told him to tell these 5 million people why his company is scamming them. I told him about these websites where people complain about the scamming and he said "people can say whatever they want online". And I said YEAH AND THEY WILL WHEN THEY SEE THAT SOME COMPANY IS SCAMMING THEM!!

I told him to give me my money back and he said he could give me this month's charge of $15.95 back. I said that's not good enough I want ALL of my money back. He said he couldn't do it and I insisted that he could. He told me to stop yelling at him or else he would hang up on me. I told him if he hung up on me I would have to take legal action. He said ok, well can you please stop raising your voice. I said I'd try but I was a little angered at the whole thing.

Then he transferred me to the billing department and he tried to get me to say that I was accepting the 1 month refund and I said that wasn't ok and that I want ALL of my money back because I did not EVER approve of them taking ANY of my money in the first place. He said he would give me a refund of all of my money 12 months worth. A total of $180.40. I am less mad now that I have my money back, but I still need to complain because they scam so many people. And I HATE people who scam!

Daniel
Crestwood, Illinois
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 you 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/comptroller 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

We are a Worldwide Consumer Reporting News Agency
...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.

Click here to read other Rip Off Reports on MWI Connections / MWI Homeswork / MWI Essentials

CLICK HERE ...*EDitor's NOTICE ..MWI Lawsuit filed