Complaint Review: Summer Bay Resort Key

I have know idea how this place did what they did, but somehow they did it. I was checking my online banking one day and realized that my checking account was negative. It was because this place took $99.00 out of my account. I called my bank they told me to place a debit claim and to try to get ahold of the company to see how or why they did this to me. I called to make the claim. The money was pending so they told me to call back the next business day and place a report then. I also got ahold of the resort. I spoke to a gentlmen who claimed that he spoke to me and I gave him authorization to take my money. I informed him that I did no such thing. He claimed he had me on a recording but refused to allow me to listen to it. He said he'd call me back. Well he never did.

The following day I checked my account and it wasnt on there. I called my bank and they put back my overdraft fees. I cancelled out my card and ordered a new one to be safe.

A couple days later I figured Id check my account on line to see if everything was still taking care of. I found that they took my money out. I again was in the negative. I was wild. I called my bank again. Somehow the money was taking out from the time before but when I checked and it wasnt in there it was for some reason it just wasnt showing up. So, again I called the resort. Waited on hold for almost an hour before I put my boyfriend on so I could call and make my debit claim.

When he finally got to talk to a real person from the resort they claimed the put my money back. Which obviouslly they didnt. I filed my claim. The bank put my money back the following day. I was relieved in a sence but still wild wondering how they thought they could get away with this.

The following day (after the bank put my money back) I checked my account again. Now I was positive money. Money that wasnt mine. So again I called the bank. The resort had finally put my money back. After waiting for days. The bank also put my money back. To finish this up yes they put my money back. But I still dont know how they ever got my debit number.

I just wanted everybody to know what this place did to me. It was unfair. I hope that they get caught and closed down.

Sarah
Bangor, Maine
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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...the victims' advocate

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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.