Raven Media unauthorized charges on my bank card Nevada Nevada *EDitor's Suggestions on how to get your money back into your bank account!
This company advertised for a free grant info cd with customer paying a 2.98 s/h charge. They took this out of my acct, the charged another 39.95 today from my acct for something that was not authorized.
Sac
vista, California
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.
4 Updates & Rebuttals
Ryan
St. George,Utah,
U.S.A.
Resolution Offer
#5UPDATE Employee
Fri, May 23, 2008
I apologize for any misunderstanding regarding the services you've been receiving from our company. There are no commitments with the free product. However, there is a bonus free trial period to membership websites that accompanies the free CD and we do our best to disclose this as it is stated several times throughout the ordering process - on the sales page, the order page, the confirmation/thank you page, it is then also explained in the 1st paragraph of the Terms and Conditions of the offer. We offer the trial periods to give our clients a chance to use the services and see the value of them for themselves before they are billed for them.
The trial periods are free for 7-30 days from the order date depending on which bonuses apply. We would not have charged you had you called customer service and canceled during the trial period. It is not our desire to bill clients who do not want the membership after the free trial offer.
The following are the additional Terms and Disclosures that are posted directly below or above, depending on the site you order from, the "Ship My Kit" or Submit Button on the order page:
Terms and Disclosures. By clicking "Submit", I am ordering the Grant Master CD and trial membership for $1.99 for Shipping and $1.00 for Handling/Insurance, after the 7 day trial I will be charged $39.95 a month thereafter if I do not cancel. I also agree to the 14 day and 21 day bonus trials to Express Business Funding and Network Agenda for $7.95 a month and $9.95 a month thereafter, should I choose not to cancel. I have read and agree to the Privacy Policy & Terms & Conditions. Charges will appear on credit/debit statements as "GRANTSEARCHASST". For questions, call 866-396-5694.
For customer service you may call 866-396-5694 Monday-Friday 9am-9pm Eastern Standard Time and they'll be happy to assist you.
The Information on our Grant Master CD is general information that you can find for free on the internet. We have gathered the information and put it on an easy to access and navigate CD for your PC. This saves our clients the time and let's face it frustration of having to search out this information on their own. That is why our Grant Master CD is free and you only pay $2.99 for the Shipping and Handling. Along with the Grant Master CD you receive a 7 day free trial to our Grant Resource center. This is our member's website were you will be able to learn the entire process on how to write and submit a grant proposal. It is easy to start utilizing the Grant Resource Center by simply watching the tutorial videos that explain how to access all of the features on the site.
Our team of writers headed by acclaimed Grant expert Dr. John Porter provides a monthly cover story that provides the newest information on grants and grant related topics. We also provide a quarterly newsletter that provides in-depth information on current trends in government and private funding. As well as the latest financial advice on how to find and manage grant money. You will be able to search grants through multiple grant sources. You can search for Federal, State, and Private Grants you can also search for Scholarships. Another exclusive feature of our Grant Resource center is that you can enroll in the Grant A Day program where a Grant is given out daily. In three easy steps you can apply for the Grant a Day program and you will be eligible for it as long as you are a member of the Grant Resource center.
Here is the link to our testimonials site http://members.ravenmediainc.com/granttestimonials/ where you can read what some of our successful clients had to say about our program. Another feature we offer is our live one on one chat representatives. They are available to answer any questions you have along the way. All these features and more are designed to help you be successful in locating, applying for, and receiving a grant. The information that is offered through the Grant Resource Center website is more extensive than what other companies sell in coaching programs that cost a thousand dollars or more. So we feel that we are offering our clients the best value in the industry. We offer all this for a reasonable monthly fee of $39.95. Ordering our Grant Master CD also includes two fast action bonuses.
The first fast action bonus is for Express Business Funding (EBF) which has a 14 day free trial. This program is designed to help customers through each step necessary to obtain a loan for a small business. This includes researching and putting together a business plan, presenting that plan to the SBA, filling out a loan application, and anything else that may be needed along the way. After the trial period, it is a reduced monthly membership fee of $7.95 because you are already a member of another of our programs.
The second fast action bonus is a 21 day free trial for Network Agenda an affiliate company. That offers an online date book service that will allow you to keep track of your daily schedule and will even send you reminders to your email and or cell phone. After the 21 day free trial the service is $9.95 a month membership fee. We offer these trial periods to give our clients a chance to use our service and see the value of them for themselves, before they are billed for them.
If you are another customer reading this and you need assistance you can contact our customer service department at (866) 396-5694 Monday-Friday 9am to 9pm Eastern Standard Time and they will be happy to assist you. If you've already tried our customer service department and feel like you weren't treated fairly please contact me ASAP and I will address your concern immediately. Please email me at ryanr@wskc.org or call me directly at 435-773-1795.
Sincerely,
Ryan R.
Ryan
St. George,Utah,
U.S.A.
Resolution Offer
#5UPDATE Employee
Fri, May 23, 2008
I apologize for any misunderstanding regarding the services you've been receiving from our company. There are no commitments with the free product. However, there is a bonus free trial period to membership websites that accompanies the free CD and we do our best to disclose this as it is stated several times throughout the ordering process - on the sales page, the order page, the confirmation/thank you page, it is then also explained in the 1st paragraph of the Terms and Conditions of the offer. We offer the trial periods to give our clients a chance to use the services and see the value of them for themselves before they are billed for them.
The trial periods are free for 7-30 days from the order date depending on which bonuses apply. We would not have charged you had you called customer service and canceled during the trial period. It is not our desire to bill clients who do not want the membership after the free trial offer.
The following are the additional Terms and Disclosures that are posted directly below or above, depending on the site you order from, the "Ship My Kit" or Submit Button on the order page:
Terms and Disclosures. By clicking "Submit", I am ordering the Grant Master CD and trial membership for $1.99 for Shipping and $1.00 for Handling/Insurance, after the 7 day trial I will be charged $39.95 a month thereafter if I do not cancel. I also agree to the 14 day and 21 day bonus trials to Express Business Funding and Network Agenda for $7.95 a month and $9.95 a month thereafter, should I choose not to cancel. I have read and agree to the Privacy Policy & Terms & Conditions. Charges will appear on credit/debit statements as "GRANTSEARCHASST". For questions, call 866-396-5694.
For customer service you may call 866-396-5694 Monday-Friday 9am-9pm Eastern Standard Time and they'll be happy to assist you.
The Information on our Grant Master CD is general information that you can find for free on the internet. We have gathered the information and put it on an easy to access and navigate CD for your PC. This saves our clients the time and let's face it frustration of having to search out this information on their own. That is why our Grant Master CD is free and you only pay $2.99 for the Shipping and Handling. Along with the Grant Master CD you receive a 7 day free trial to our Grant Resource center. This is our member's website were you will be able to learn the entire process on how to write and submit a grant proposal. It is easy to start utilizing the Grant Resource Center by simply watching the tutorial videos that explain how to access all of the features on the site.
Our team of writers headed by acclaimed Grant expert Dr. John Porter provides a monthly cover story that provides the newest information on grants and grant related topics. We also provide a quarterly newsletter that provides in-depth information on current trends in government and private funding. As well as the latest financial advice on how to find and manage grant money. You will be able to search grants through multiple grant sources. You can search for Federal, State, and Private Grants you can also search for Scholarships. Another exclusive feature of our Grant Resource center is that you can enroll in the Grant A Day program where a Grant is given out daily. In three easy steps you can apply for the Grant a Day program and you will be eligible for it as long as you are a member of the Grant Resource center.
Here is the link to our testimonials site http://members.ravenmediainc.com/granttestimonials/ where you can read what some of our successful clients had to say about our program. Another feature we offer is our live one on one chat representatives. They are available to answer any questions you have along the way. All these features and more are designed to help you be successful in locating, applying for, and receiving a grant. The information that is offered through the Grant Resource Center website is more extensive than what other companies sell in coaching programs that cost a thousand dollars or more. So we feel that we are offering our clients the best value in the industry. We offer all this for a reasonable monthly fee of $39.95. Ordering our Grant Master CD also includes two fast action bonuses.
The first fast action bonus is for Express Business Funding (EBF) which has a 14 day free trial. This program is designed to help customers through each step necessary to obtain a loan for a small business. This includes researching and putting together a business plan, presenting that plan to the SBA, filling out a loan application, and anything else that may be needed along the way. After the trial period, it is a reduced monthly membership fee of $7.95 because you are already a member of another of our programs.
The second fast action bonus is a 21 day free trial for Network Agenda an affiliate company. That offers an online date book service that will allow you to keep track of your daily schedule and will even send you reminders to your email and or cell phone. After the 21 day free trial the service is $9.95 a month membership fee. We offer these trial periods to give our clients a chance to use our service and see the value of them for themselves, before they are billed for them.
If you are another customer reading this and you need assistance you can contact our customer service department at (866) 396-5694 Monday-Friday 9am to 9pm Eastern Standard Time and they will be happy to assist you. If you've already tried our customer service department and feel like you weren't treated fairly please contact me ASAP and I will address your concern immediately. Please email me at ryanr@wskc.org or call me directly at 435-773-1795.
Sincerely,
Ryan R.
Ryan
St. George,Utah,
U.S.A.
Resolution Offer
#5UPDATE Employee
Fri, May 23, 2008
I apologize for any misunderstanding regarding the services you've been receiving from our company. There are no commitments with the free product. However, there is a bonus free trial period to membership websites that accompanies the free CD and we do our best to disclose this as it is stated several times throughout the ordering process - on the sales page, the order page, the confirmation/thank you page, it is then also explained in the 1st paragraph of the Terms and Conditions of the offer. We offer the trial periods to give our clients a chance to use the services and see the value of them for themselves before they are billed for them.
The trial periods are free for 7-30 days from the order date depending on which bonuses apply. We would not have charged you had you called customer service and canceled during the trial period. It is not our desire to bill clients who do not want the membership after the free trial offer.
The following are the additional Terms and Disclosures that are posted directly below or above, depending on the site you order from, the "Ship My Kit" or Submit Button on the order page:
Terms and Disclosures. By clicking "Submit", I am ordering the Grant Master CD and trial membership for $1.99 for Shipping and $1.00 for Handling/Insurance, after the 7 day trial I will be charged $39.95 a month thereafter if I do not cancel. I also agree to the 14 day and 21 day bonus trials to Express Business Funding and Network Agenda for $7.95 a month and $9.95 a month thereafter, should I choose not to cancel. I have read and agree to the Privacy Policy & Terms & Conditions. Charges will appear on credit/debit statements as "GRANTSEARCHASST". For questions, call 866-396-5694.
For customer service you may call 866-396-5694 Monday-Friday 9am-9pm Eastern Standard Time and they'll be happy to assist you.
The Information on our Grant Master CD is general information that you can find for free on the internet. We have gathered the information and put it on an easy to access and navigate CD for your PC. This saves our clients the time and let's face it frustration of having to search out this information on their own. That is why our Grant Master CD is free and you only pay $2.99 for the Shipping and Handling. Along with the Grant Master CD you receive a 7 day free trial to our Grant Resource center. This is our member's website were you will be able to learn the entire process on how to write and submit a grant proposal. It is easy to start utilizing the Grant Resource Center by simply watching the tutorial videos that explain how to access all of the features on the site.
Our team of writers headed by acclaimed Grant expert Dr. John Porter provides a monthly cover story that provides the newest information on grants and grant related topics. We also provide a quarterly newsletter that provides in-depth information on current trends in government and private funding. As well as the latest financial advice on how to find and manage grant money. You will be able to search grants through multiple grant sources. You can search for Federal, State, and Private Grants you can also search for Scholarships. Another exclusive feature of our Grant Resource center is that you can enroll in the Grant A Day program where a Grant is given out daily. In three easy steps you can apply for the Grant a Day program and you will be eligible for it as long as you are a member of the Grant Resource center.
Here is the link to our testimonials site http://members.ravenmediainc.com/granttestimonials/ where you can read what some of our successful clients had to say about our program. Another feature we offer is our live one on one chat representatives. They are available to answer any questions you have along the way. All these features and more are designed to help you be successful in locating, applying for, and receiving a grant. The information that is offered through the Grant Resource Center website is more extensive than what other companies sell in coaching programs that cost a thousand dollars or more. So we feel that we are offering our clients the best value in the industry. We offer all this for a reasonable monthly fee of $39.95. Ordering our Grant Master CD also includes two fast action bonuses.
The first fast action bonus is for Express Business Funding (EBF) which has a 14 day free trial. This program is designed to help customers through each step necessary to obtain a loan for a small business. This includes researching and putting together a business plan, presenting that plan to the SBA, filling out a loan application, and anything else that may be needed along the way. After the trial period, it is a reduced monthly membership fee of $7.95 because you are already a member of another of our programs.
The second fast action bonus is a 21 day free trial for Network Agenda an affiliate company. That offers an online date book service that will allow you to keep track of your daily schedule and will even send you reminders to your email and or cell phone. After the 21 day free trial the service is $9.95 a month membership fee. We offer these trial periods to give our clients a chance to use our service and see the value of them for themselves, before they are billed for them.
If you are another customer reading this and you need assistance you can contact our customer service department at (866) 396-5694 Monday-Friday 9am to 9pm Eastern Standard Time and they will be happy to assist you. If you've already tried our customer service department and feel like you weren't treated fairly please contact me ASAP and I will address your concern immediately. Please email me at ryanr@wskc.org or call me directly at 435-773-1795.
Sincerely,
Ryan R.
Ryan
St. George,Utah,
U.S.A.
Resolution Offer
#5UPDATE Employee
Fri, May 23, 2008
I apologize for any misunderstanding regarding the services you've been receiving from our company. There are no commitments with the free product. However, there is a bonus free trial period to membership websites that accompanies the free CD and we do our best to disclose this as it is stated several times throughout the ordering process - on the sales page, the order page, the confirmation/thank you page, it is then also explained in the 1st paragraph of the Terms and Conditions of the offer. We offer the trial periods to give our clients a chance to use the services and see the value of them for themselves before they are billed for them.
The trial periods are free for 7-30 days from the order date depending on which bonuses apply. We would not have charged you had you called customer service and canceled during the trial period. It is not our desire to bill clients who do not want the membership after the free trial offer.
The following are the additional Terms and Disclosures that are posted directly below or above, depending on the site you order from, the "Ship My Kit" or Submit Button on the order page:
Terms and Disclosures. By clicking "Submit", I am ordering the Grant Master CD and trial membership for $1.99 for Shipping and $1.00 for Handling/Insurance, after the 7 day trial I will be charged $39.95 a month thereafter if I do not cancel. I also agree to the 14 day and 21 day bonus trials to Express Business Funding and Network Agenda for $7.95 a month and $9.95 a month thereafter, should I choose not to cancel. I have read and agree to the Privacy Policy & Terms & Conditions. Charges will appear on credit/debit statements as "GRANTSEARCHASST". For questions, call 866-396-5694.
For customer service you may call 866-396-5694 Monday-Friday 9am-9pm Eastern Standard Time and they'll be happy to assist you.
The Information on our Grant Master CD is general information that you can find for free on the internet. We have gathered the information and put it on an easy to access and navigate CD for your PC. This saves our clients the time and let's face it frustration of having to search out this information on their own. That is why our Grant Master CD is free and you only pay $2.99 for the Shipping and Handling. Along with the Grant Master CD you receive a 7 day free trial to our Grant Resource center. This is our member's website were you will be able to learn the entire process on how to write and submit a grant proposal. It is easy to start utilizing the Grant Resource Center by simply watching the tutorial videos that explain how to access all of the features on the site.
Our team of writers headed by acclaimed Grant expert Dr. John Porter provides a monthly cover story that provides the newest information on grants and grant related topics. We also provide a quarterly newsletter that provides in-depth information on current trends in government and private funding. As well as the latest financial advice on how to find and manage grant money. You will be able to search grants through multiple grant sources. You can search for Federal, State, and Private Grants you can also search for Scholarships. Another exclusive feature of our Grant Resource center is that you can enroll in the Grant A Day program where a Grant is given out daily. In three easy steps you can apply for the Grant a Day program and you will be eligible for it as long as you are a member of the Grant Resource center.
Here is the link to our testimonials site http://members.ravenmediainc.com/granttestimonials/ where you can read what some of our successful clients had to say about our program. Another feature we offer is our live one on one chat representatives. They are available to answer any questions you have along the way. All these features and more are designed to help you be successful in locating, applying for, and receiving a grant. The information that is offered through the Grant Resource Center website is more extensive than what other companies sell in coaching programs that cost a thousand dollars or more. So we feel that we are offering our clients the best value in the industry. We offer all this for a reasonable monthly fee of $39.95. Ordering our Grant Master CD also includes two fast action bonuses.
The first fast action bonus is for Express Business Funding (EBF) which has a 14 day free trial. This program is designed to help customers through each step necessary to obtain a loan for a small business. This includes researching and putting together a business plan, presenting that plan to the SBA, filling out a loan application, and anything else that may be needed along the way. After the trial period, it is a reduced monthly membership fee of $7.95 because you are already a member of another of our programs.
The second fast action bonus is a 21 day free trial for Network Agenda an affiliate company. That offers an online date book service that will allow you to keep track of your daily schedule and will even send you reminders to your email and or cell phone. After the 21 day free trial the service is $9.95 a month membership fee. We offer these trial periods to give our clients a chance to use our service and see the value of them for themselves, before they are billed for them.
If you are another customer reading this and you need assistance you can contact our customer service department at (866) 396-5694 Monday-Friday 9am to 9pm Eastern Standard Time and they will be happy to assist you. If you've already tried our customer service department and feel like you weren't treated fairly please contact me ASAP and I will address your concern immediately. Please email me at ryanr@wskc.org or call me directly at 435-773-1795.
Sincerely,
Ryan R.