National Small Business Alliance, NSBA, ripoff nationwide *EDitor's Suggestions on how to get your money back into your bank account!
I authorized a $99 membership fee to be withdrawn from my account, which the guarantee that if I canceled within 30 days the amount would be refunded. I canceled within 2 weeks, after I realized it was a scam, and what they were offering wasn't true.
Not only did they deduct $280 from my account, they have not sent me any refund to date. I followed complete instructions for canceling the membership, even talked to someone and got a cancelation number, but it has been 6 months since the refund was due back to me. I realize I learned a $300 lesson, but hopefully no one else has to go through this. If there ever is a class action suit against these crooks, count me in!!!!!!!!
John
bentonville, Arkansas
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
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.
6 Updates & Rebuttals
Dennis
Washington,District of Columbia,
U.S.A.
NOT ASSOCIATED WITH THE SBA
#7REBUTTAL Owner of company
Wed, May 31, 2006
Please note that we are NOT associated with the SBA. Further, we only take what we have been authorized to take; no more, no less.
1. NSBA prides itself on maintaining industry best practices by only selecting and solicitation businesses, scrubbing all calls through Federal, State and In-house DNC files.
2. All NSBA's scripts and materials are closely scrutinized by the same attorneys that are used by the Direct Marketing Association.
3. NSBA does not condone any misrepresentation or deviation from any attorney approved scripting
4. ALL sales verified through a third party verification company.
5. Further all sales are recorded and the member is played a pre-recorded disclosure that recaps exactly what the member is receiving and how the payments work and specifically asks if the member was offered anything else then what was just recapped in the recorded verification.
6. NSBA Trains Outsourced call centers to stick to script, monitors and has no tolerance for deviation.
7. Each outsourced call center is responsible to do quality assurance and listen to each and every recorded verification and cancel any not meeting NSBA's strict guidelines.
8. As a second level of quality control, NSBA also does its own quality assurance on each verification and cancels any that do not meet guidelines.
9. NSBA only benefits from having happy members. We take complaints very seriously.
10. We have one of the best retention and renewal and lowest complaints in the industry.
Dennis Mario
NATIONAL SMALL BUSINESS ALLIANCE, INC
Direct: (760) 322-5572 X 100
Cell: (760) 902-8415
eFax: (760) 406-6035
dmario@natlsba.com
Robin
Amsterdam,Georgia,
U.S.A.
John, close your bank account NOW or you will NEVER be free of this scam!
#7Consumer Suggestion
Mon, May 15, 2006
John, reference this report about Small Business Network (which seems to be somehow connected to NSBA or NSBA split from SBA and is built on the same "model"):
http://www.ripoffreport.com/reports/ripoff163219.htm
If you don't change your bank account, you will never get away from this scam. NSBA will show up at random times making withdrawals from your bank account, year after year.
I fought SBA for years and finally just caved and changed my bank account...it is not worth the rise in blood pressure. It is a pain to change a business account, but it was worth it in the long run.
There is no "canceling" these debit scams. Once they have your account number, they will be back. They will tell you that your "membership" has been canceled, but don't believe it. And don't get in touch with NSBA, either. Both these companies (SBA and NSBA) seem a bit too eager to find out who is filing complaints about them. ALL of them are trolling this site looking for report filers.
Wonder why....
Robin
Amsterdam,Georgia,
U.S.A.
John, close your bank account NOW or you will NEVER be free of this scam!
#7Consumer Suggestion
Mon, May 15, 2006
John, reference this report about Small Business Network (which seems to be somehow connected to NSBA or NSBA split from SBA and is built on the same "model"):
http://www.ripoffreport.com/reports/ripoff163219.htm
If you don't change your bank account, you will never get away from this scam. NSBA will show up at random times making withdrawals from your bank account, year after year.
I fought SBA for years and finally just caved and changed my bank account...it is not worth the rise in blood pressure. It is a pain to change a business account, but it was worth it in the long run.
There is no "canceling" these debit scams. Once they have your account number, they will be back. They will tell you that your "membership" has been canceled, but don't believe it. And don't get in touch with NSBA, either. Both these companies (SBA and NSBA) seem a bit too eager to find out who is filing complaints about them. ALL of them are trolling this site looking for report filers.
Wonder why....
Robin
Amsterdam,Georgia,
U.S.A.
John, close your bank account NOW or you will NEVER be free of this scam!
#7Consumer Suggestion
Mon, May 15, 2006
John, reference this report about Small Business Network (which seems to be somehow connected to NSBA or NSBA split from SBA and is built on the same "model"):
http://www.ripoffreport.com/reports/ripoff163219.htm
If you don't change your bank account, you will never get away from this scam. NSBA will show up at random times making withdrawals from your bank account, year after year.
I fought SBA for years and finally just caved and changed my bank account...it is not worth the rise in blood pressure. It is a pain to change a business account, but it was worth it in the long run.
There is no "canceling" these debit scams. Once they have your account number, they will be back. They will tell you that your "membership" has been canceled, but don't believe it. And don't get in touch with NSBA, either. Both these companies (SBA and NSBA) seem a bit too eager to find out who is filing complaints about them. ALL of them are trolling this site looking for report filers.
Wonder why....
Robin
Amsterdam,Georgia,
U.S.A.
John, close your bank account NOW or you will NEVER be free of this scam!
#7Consumer Suggestion
Mon, May 15, 2006
John, reference this report about Small Business Network (which seems to be somehow connected to NSBA or NSBA split from SBA and is built on the same "model"):
http://www.ripoffreport.com/reports/ripoff163219.htm
If you don't change your bank account, you will never get away from this scam. NSBA will show up at random times making withdrawals from your bank account, year after year.
I fought SBA for years and finally just caved and changed my bank account...it is not worth the rise in blood pressure. It is a pain to change a business account, but it was worth it in the long run.
There is no "canceling" these debit scams. Once they have your account number, they will be back. They will tell you that your "membership" has been canceled, but don't believe it. And don't get in touch with NSBA, either. Both these companies (SBA and NSBA) seem a bit too eager to find out who is filing complaints about them. ALL of them are trolling this site looking for report filers.
Wonder why....
Dennis
Washington,District of Columbia,
U.S.A.
I CAN'T FIND YOU IN OUR DATABASE
#7REBUTTAL Owner of company
Mon, May 15, 2006
We have 27 members in Bentonville, Arkansas, none by the name of John. Can you provide your membership number so that I may find out who you are and address the proble?
It is unfortunate that you really didn't try out the wealth of benefits we have to offer.
Dennis Mario
NATIONAL SMALL BUSINESS ALLIANCE, INC
Direct: (760) 322-5572 X 100
Cell: (760) 902-8415
eFax: (760) 406-6035
dmario@natlsba.com