Complaint Review: Retailers Natiomnal Bank

I went online to WFS Financials site to pay my truck payment with electronic check. I entered all the info about my checking account (Dec. 22 2004) that weekend I recieved a bank statement and a Mervyns statement, on my bank statement it showed a share draft for $175.83 check 1033 my truck payment. I opened the Mervyns statement and it showed a payment of $175.83 which was odd because I hadn't made a payment to them yet.That Monay I called my bank and they faxed me over a copy of the check.

The check was made out to retailers national bank and where the signature would go it said verbally authorized by depositor. I informed my bank that I have never given them permission to touch my money I was told to contact RNB so I did I told them they stole my truck payment and I wanted it back . They refused and said I made an error and called the wrong phone number. I said I wanted to know who I spoke to when and what time.

After being placed on hold several times for long lengths of time I was told I didn't speak to any one I called there automated system and punched the info in on the phone and when I asked when I had done that I was told at 130 am on Dec 22 I told Tracy I had never called and made a payment and I didn't do it this time either and I would turn them in to any one untill some one does something she told me if I pursued this I would look very foolish.

These people went into my bank account and took my money and no one is tring to do a thing I filed a report with the sheriff office attorney general wrote governor of Arizona the FBI postal inspecter and my bank sent me a letter saying after they investigated they feel its between me and RNB where I made the payment to. I won't rest until some thing is done to stop them. I already had my identity stolen and they caught who did it and let them off with probation it was only their first offence and it only ruined my life so no big deal.

Deborah
phoenix, Arizona
U.S.A.

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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!

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...the victims' advocate

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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.