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.
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We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
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...by consumers, for consumersCLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
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Promotional Discount Offers called me and offered me a unsecure VISA card issued by First Premier Bank. The offer was for a First Premier Bank VISA with a 2500 limit and 8% fixed rate with a one time fee of $299 to be deducted from my debit card upon receipt and activation of my VISA card which would arrive in 2 weeks. I repeatedly clarified the details with the gentleman and asked many, many questions, feeling uncomfortable about them having called me. He was such a good con artist he got me, I soon found out.
The fee was taken from my account immediately and when I called they said my card was on its way and that there must have been a mistake but not to worry b/c my VISA card had shipped already. I clarified the details of my transaction and new VISA card AGAIN! Finally, after 2 weeks of calling I recieved a box of crap.
I paid $299 for a box of discount offers and credit card applications anyone could have photocopied from anywhere! I called and complained and requested a refund and was told, by Tony, that they do not make outgoing calls, I had to have called them and that what I received is exactly what they said I'd recieve and that our call was recorded. After several minutes of persistance they let me lsten to the recording and it was OBVIOUSLY edited to suit their needs and is BARELY audible anyway. The letter that came with the package even goes as far as to say "Provided this is not exactly what was explained to you while placing your order, you may cancel within 10 business days... less the non-refundable $49.99 shipping & handling fee..." I didn't even get the package within 10 days and it didn't cost $49.99 to ship! BESIDES THEY FLAT OUT LIED!!!
After much arguing I was told to send the package back "return to sender" and that I would recieve a refund in 3-5 days. After 3-5 days and no refund I called again and was told there was no Tony in their office and no refund request had been recieved, by Alec. After explaining my experience to Alec and much arguing again he said that he will process a new request to be complete in another 3-5 days. I also contacted the number listed on my statement which is the 3rd party billing agency and they referred me to Danny at the same place. Alec answers the phone when I call and says Danny is busy and that I can hold for 40 minutes or talk to him, Alec, b/c HE is the supervisor.
Also, they refuse to give me a physical business address. I found them on this website when I put their number in Google to find an address. Now I know this is an aabsolute SCAM and I must stay on top of this b/c they're counting on me dropping the ball so they can make my hard earned money instead of earning their own.
Jennifer
Rahway, New Jersey
U.S.A.