Back on October 30,2010 I was scanning internet Yahoo Finance page researching career trends and came acorss this web site and read about Direct Commerce Academy, DCA, their terms are listed here:
By submitting your order you have read and understand the terms and conditions of the offer, which explain the order includes an immediate charge of $2.97. If you enjoy the 5-day trial and want to continue your path to online wealth, you will be billed a one-time fee of $138.67 that will maintain full access to the entire money making program. From this point you will have 30 more days to utilize our 3 month accelerated training program. You do not need to do anything to continue receiving full access and will be charged $39.99 per month for the duration of your membership. You may cancel anytime during the program or trial by calling: (800) 381-1681 and you will not be billed any further charges.
I NEVER signed up for anything, never ckicked on any buttons, never gave them my card numbers.! I saw the $2.97 deducted from my account and started calling the 800# on my on line statement of 800-426-9694 and that is a bad number, I did get a call from a Steven? a few days later and I explained to him that I never signed up that I just reviewed the web site and that I was not interested. He said OK and would pull my information and cancel my account and issue a refund. Two days later I got a call from a Jeremy? and I told him the same thing, I wanted them to credit my account and not to charge me anything else! He said he would issue the credit and they would pull my info and cacnel my account and I would not be called agin
Today. 11/11/10, I go online to pay bills and see that I have a $139.67 charge from them. I did not authorize this and I want to file charges against this company! And I want a refind! Please send me what ever paperwork is needed and I will gladly fill it out. NOW in doing more research on line there are many other folks with the same issue with this company! I just want to get my money back. I can not afford this.
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 CARDIf 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 RipoffReport.com Author of www.ripoffrevenge.com
Rip-off Report PO Box 310, Tempe, Arizona 85280