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Smart Step Insurance - Bank of America Smart Step Insurance automatically withdrawls money with incorrect authorization to do so Internet
I always check my bank statements to make sure that our charges match our purchases, like everyone should. One day I noticed a $40 charge from "Smart Step Insurance" taken from our Bank of America account under my husband's name (with whom I share the account) and the charge had been made using our checking account routing number, not a debit card. This caught my attention, because if it were a check written by one of us, it would show a copy of the deposited check. I called my husband and at first he didn't recognize the name of the vendor, so I called Bank of America to dispute the charge. They could not find a phone number with the vendor, so they googled it while they were on the phone with me....and pulled up Rip Off Reports!! I put a dispute on the charge, got off the phone, and then googled it myself and this it what I found.
Smart Step Insurance is an accidental death insurance policy that is solicited by a company underneath Bank of America, so people with Bank of America accounts are the most common victims. They phone solicit and "get approval" for a 2 month free trial membership that you must cancel or they begin debiting your account automatically. The supposedly then mail you information that says all this, but I never received it. The charge per person is $20, but commonly if you are married, they will say they have "approved coverage for you and spouse", so you will see a $40 charge, like we did.
I called my husband, explained what I had discovered, and he said he did remember them calling about two months earlier and he had agreed to read some information on their offer if they would mail him some. He NEVER agreed for the free trial or coverage, and never gave them any of our billing information. THEY GOT THAT ON THEIR OWN (probably through Bank of America) and began billing us without authorization! After finally tracking down a number for them, I called and demanded a refund and cancelation. They told me that they must speak to my husband, since they originally talked to him. He called and finally got a promise of a refund and cancelation, after being solicited for about 10 minutes to keep the policy that he never signed up for in the first place!! This all happened yesterday, so we will see if it happens in a timely manner.
Stick to your guns and fight for your refund. They probably did call you and speak to someone or they wouldb't be charging your account, so make them mail you a copy of their recorded conversation or show you proof!
4 Updates & Rebuttals
Karl
Highlands Ranch,Colorado,
USA
DEBT CEILING SONG
#5Consumer Comment
Wed, July 27, 2011
RAISE THE CEILING
(Please sing to the tune of- "If You're Happy")
Anyone can 'Google' this- MIDI TUNES FOR KIDS- BILLY BEAR'S PLAYGROUND, and click on 'If You're Happy' and sing the following lyrics to that tune, right?
Here we go- 1, 2, 3...
Raise the debt ceiling, go deeper into debt?
Raise the debt ceiling, go deeper into debt?
Raise the debt ceiling a trillion
Every big-shot take ten million
Raise the debt ceiling, go deeper into debt?
USA is one big lie, it's one big joke!
USA is one big lie, it's one big joke!
Our whole system is a big lie
Time to speak-out, please don't be shy
USA is ONE BIG LIE, it's one big joke!
Politicians in the U.S. are inept!
Politicians in the U.S. are inept!
Most of them work for the FED
So contact Granny then text Jed
Politicians in the U.S. are inept!
End.
Anyone can stay at this site and type in 661037 and go to 'Consumer Comment #37' at Ripoff Report #661037 and read- "DEBT CEILING POEM".
Thank You
Karl
Highlands Ranch,Colorado,
USA
"ONE BIG LIE POEM 2"......
#5Consumer Comment
Wed, March 09, 2011
is available at this website!
*Just type in 266476 and it appears as 'Consumer Comment #21' at Ripoff Report #266476.
Thank You
LS.
United States of AmericaBank of America and Smart Step Insurance
#5Consumer Comment
Tue, August 10, 2010
The law firm of Salehi & Associates was recently retained by a client who, upon opening a Bank of America account, received a letter from Smart-Step Protector Insurance claiming that he had enrolled in one of Smart-Step's insurance policies. Salehi & Associates is investigating allegations that Bank of America improperly divulged personal information to third parties and/or that Smart-Step improperly obtained said information. We are currently looking into this matter, and are interested in any information or assistance that other Bank of America account holders would be able to provide. Please visit our site at www.salehiclassaction.com for further details on how to contact us. Thank you very much for your time and attention.
Karl
highlands ranch,Colorado,
U.S.A.
JEANNA, Since Bank of America was EXPOSED earlier this year for taking out 'SECRET LIFE INSURANCE POLICIES' on...
#5
Sun, August 23, 2009
their current & former employees, perhaps they're also attempting to "trick", or "deceive" their customers into purchasing these 'Accidental Death' insurance policies, wouldn't you NOW agree? It is possible, right? Since Bank of America obviously has all of their customer's PERSONAL INFORMATION, like- social security number, date of birth, address, employer, phone number, BANK ACCOUNT, & much, much, more, they could attempt to DECEIVE many of their customers into taking out these "trial offers" through phone solicitation, and then PROFIT on the sale of these insurance policies once they go through, correct?