Roadside Plus Unauthorized charge to checking account Ripoff Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account!
I found an automatic electronic transfer on my checking account online statement for $21.95. I immediately did a search for Roadside Plus which led me to several fraud sites indicating this was a charge generated through consumers having applied for a Payday loan, which I did. I never saw any application for Roadside Plus nor did I ever authorize any charge to my checking account. This seems to be the escalating casualty of giving your checking account number and routing number to anyone online even if they claim their website is secure. Shame on you Payday Loans... you should be reported as well.
Tim
Leominster, Massachusetts
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.
5 Updates & Rebuttals
Heather
Sussex,New Jersey,
U.S.A.
I Have some new Information
#6Consumer Comment
Fri, June 09, 2006
When you go to the suppossedly secure payday loans website it works like a search engine you type your information and think it is going to only one company but it gets sent out to multiple companies. As I have had this happen today and have spent the entire day chasing these people down i did find some information that I am sure they dont want published but oh well they deserve this.
When you call roadside plus at 1-866-543-8451 do not try to chat them up make a simple statement that you are a member and that you are broke down. They will then give you the number for the emergency roadside assistance company (1-800-745-5791)
Ask for stacy. I told her what had happened to me and she told me that I was calling on the number designated for members of the National safe drivers plan. There number is 1-800-338-2680 ask for Laura then repeat the story she will not give you the number for the accounting department at roadside plus but she will transfer you and stay on with you untill the representative comes on. I wish I had done this before I closed out my accounts
Heather
Sussex,New Jersey,
U.S.A.
I Have some new Information
#6Consumer Comment
Fri, June 09, 2006
When you go to the suppossedly secure payday loans website it works like a search engine you type your information and think it is going to only one company but it gets sent out to multiple companies. As I have had this happen today and have spent the entire day chasing these people down i did find some information that I am sure they dont want published but oh well they deserve this.
When you call roadside plus at 1-866-543-8451 do not try to chat them up make a simple statement that you are a member and that you are broke down. They will then give you the number for the emergency roadside assistance company (1-800-745-5791)
Ask for stacy. I told her what had happened to me and she told me that I was calling on the number designated for members of the National safe drivers plan. There number is 1-800-338-2680 ask for Laura then repeat the story she will not give you the number for the accounting department at roadside plus but she will transfer you and stay on with you untill the representative comes on. I wish I had done this before I closed out my accounts
Heather
Sussex,New Jersey,
U.S.A.
I Have some new Information
#6Consumer Comment
Fri, June 09, 2006
When you go to the suppossedly secure payday loans website it works like a search engine you type your information and think it is going to only one company but it gets sent out to multiple companies. As I have had this happen today and have spent the entire day chasing these people down i did find some information that I am sure they dont want published but oh well they deserve this.
When you call roadside plus at 1-866-543-8451 do not try to chat them up make a simple statement that you are a member and that you are broke down. They will then give you the number for the emergency roadside assistance company (1-800-745-5791)
Ask for stacy. I told her what had happened to me and she told me that I was calling on the number designated for members of the National safe drivers plan. There number is 1-800-338-2680 ask for Laura then repeat the story she will not give you the number for the accounting department at roadside plus but she will transfer you and stay on with you untill the representative comes on. I wish I had done this before I closed out my accounts
Heather
Sussex,New Jersey,
U.S.A.
I Have some new Information
#6Consumer Comment
Fri, June 09, 2006
When you go to the suppossedly secure payday loans website it works like a search engine you type your information and think it is going to only one company but it gets sent out to multiple companies. As I have had this happen today and have spent the entire day chasing these people down i did find some information that I am sure they dont want published but oh well they deserve this.
When you call roadside plus at 1-866-543-8451 do not try to chat them up make a simple statement that you are a member and that you are broke down. They will then give you the number for the emergency roadside assistance company (1-800-745-5791)
Ask for stacy. I told her what had happened to me and she told me that I was calling on the number designated for members of the National safe drivers plan. There number is 1-800-338-2680 ask for Laura then repeat the story she will not give you the number for the accounting department at roadside plus but she will transfer you and stay on with you untill the representative comes on. I wish I had done this before I closed out my accounts
Tim
Leominster,Massachusetts,
U.S.A.
Roadside Plus keeps striking!
#6Author of original report
Fri, January 06, 2006
Beware...if Roadside Plus charges your checking account, go to your bank immediately and close your account and open a new one. After processing an electronic charge to my account in November, I reported Roadside to my bank, which began an ACH (electronic charge) investigation. I contacted Roadside Plus by phone and was told to write them a letter asking for a credit, which I did. Several weeks later I received my credit and I thought the scam was over. I was just charged again by Roadside Plus ($21.95), but this time they electronically forged a check using my bank's name as if it had been issued from my bank. After you file an ACH investigation, your bank is able to block future electronic charges, but Roadside Plus sidestepped the bank by making it think it issued its own check! Unbelievable! These people need to be shut down and sent to prison!