Complaint Review: Roadside Plus Myecheck

WHEN I CHECKED MY ACCOUNT THIS MORNING I WAS SUPRISED TO FIND THAT IT WAS IN THE NEG. I CALLED THE BANK TO ASK ABOUT ALL MY DEBITS AND I FOUND OUT THAT THERE WAS AN ACH ELECTRONIC CHECK WITH A UNUSUAL CHECK NUMBER FOR 21.95. I TALKED TO CUSTOMER SERVICE AND THEY SAID THAT IT WAS PAID TO MYECHECK INC. AND IT HAD A MEMO THAT SAID ROADSIDE PLUS. I ASKED THEM FOR A PHONE NUMBER AND THEY (THE BANK) GAVE ME A 1-888-288-1331. SO I CALLED IT AND HAD THREE DIFFERENT PEOPLE GIVE ME THE RUN AROUND AND WAS HUNG UP ON ONCE. FINALLY A LADY TOLD ME THAT THIS WAS ROADSIDE ASSISTANCE NOT ROADSIDE PLUS AND THAT SOMETIMES THEY GET CONFUSED FOR TRIPLE AAA. SHE ALSO TOLD ME THAT THEY HAD NO PROGRAM FOR 21.95 AND THAT THERE WAS NOTHING SHE COULD DO. I KNOW SOMETHING WAS WRONG BECAUSE ONE WOMAN ASKED ME FOR MY SSN AND TRANSFERRED ME TO SOMEONE ELSE THEN I WAS HUNG UP ON. WHEN I CALLED BACK THIS LADY JUST ASKED FOR MY NAME AND NO ONE EVER TOLD ME THAT I DIDN'T HAVE AN ACCOUNT WITH THEM BUT THAT I HAD THE WRONG NUMBER.

WHEN I HAD TALKED TO MY BANK PREVIOUSLY HE HAD TOLD ME THAT THIS COMPANY HAD BEEN REPORTED ON THIS SITE AND I COULD CHECK IT OUT. HE ALSO TOLD ME TO FILE A UNATHORIZED ACH DEBIT TRANSACTION WITH THE BANK AND THAT IT WOULD BE CLEARED UP WITHIN 7-10 DAYS. IT WAS JUST HTIS MORNING ALL THIS HAPPENED AND I DID FILL OUT THIS FORM THIS MORNING I WILL BE WAITING FOR THE ANSWER.

I ALSO FILLED OUT A ONLINE APP. FOR A PAYDAY LOAN AND HAVE BEEN RECIEVING OFFERS FOR A CREDIT CARD THAT ALREADY HAD MY INFO AND ACCOUNT NUMBERS THEY WANTED TO DEBIT MY ACCOUNT FOR THE CARD AND ALSO OFFER ME ROADSIDE ASSISTANCE AND ANOTHER OFFER I DECLINED THE CREDIT CARD AND EVERYTHING WITH IT. AS I HAVE READ ALL THESE COMPLAINTS THESE 2 THINGS HAVE COME UP. I ONLY STARTED RECIEVING THE CREDIT CARD OFFERS AFTER I APPLIED FOR THE PAYDAY ADVANCE. THESE ALL HAVE ONE THING IN COMMON = PAYDAY LOANS.

IF ANY ONE OUT THERE WOULD LET ME KNOW THE COMPANY YOU APPLIED FOR MAYBE WE CAN FIND OUT WHICH COMPANY IS GIVING OUR INFO AND STP THEM. I APPLIED AT SEVERAL DIFFERENT COMPANIES LIKE: CRI, BORROWCASHNOW.COM, CASHNETUSA, CASHTRANSFERCENTERS.COM, AND A COUPLE OF SITES THAT ARE SUPPOSED TO MATCH YOU TO THE BEST SITE.

PLEASE BEWARE OF THE COMPANIES YOU APPLY FOR!!!

I WILL REPORT WHAT MY BANK SAYS WHEN I FIND OUT.

Mandy
trenton, Ohio
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!

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We are not a collection agency.

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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.