Usa Benefits, usa member benifits, shopping.usamemberbenefits.com USA BENEFITS a company i've never dealt with took $49.95 unauthorized out of my checking acc. chesterfield, Michigan *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!
USA BENEFITS told me that by clicking on a e-mail they sent authorized them to take $49.95 out of my checking acc. RIGHT? I am in process of fraudulant transaction claim with bank.
<b><font size=+2><font color="#0000FF">EDitor's Suggestions on how to get your money back! </font></font></b>
<b><font size=+1>HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: </font></b>
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!
<b><font size=+1>DO NOT TAKE NO FOR AN ANSWER! </font></b>
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.
<b><font size=+1>CHARGES TO YOUR CREDIT CARD</font></b>
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 .. <i>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. </i>
And good luck Let us know how you do!
ED Magedson Founder
RipoffReport.com
Author of www.ripoffrevenge.com
Rip-off Report
4 Updates & Rebuttals
arraizdawn
brooklyn,New York,
United States of America
To "Shelly"
#5Consumer Comment
Wed, September 15, 2010
Dear Shelly-
If youre company is so satifying and great why is it everytime I search you're company all there are, are complaints about how you are a scam? You're company is so sneeky that they hide their servies in fine print to scam people. Trust me shelly- I have reported you to- the police, the BBB, the FBI & got in touch with my local news channel.
You are taking advantage of people and you know it. It's not going to fly much longer- I promise you that.
Shelly
Uniontown,Pennsylvania,
U.S.A.
USA Benefits
#5UPDATE Employee
Wed, October 14, 2009
The Rip-off Report is not a valid source to verify whether or not a business is legitimate. Actually, when you visit the website, click on the FAQS (Frequently Asked Questions). Within the FAQS is a LEGAL DISCLAIMER that the producers include on the site to protect themselves from liability. Heres what it says The information provided in the Rip-off Report is the sole creation of consumers from the general public. Please verify any claims that are made on the site. And make your decisions about any companies and individuals listed within.
USA Credit has thousands of satisfied members. We have researched a number of Rip-Off entries. Generally we find the reporting consumer to be someone who did not fully understand the program prior to making the purchase.
Take a moment to look at the Rip-Off site closely, you will find there is an effort to sell products under the guise of helping the consumer.
We are certainly in good company! If you look through the various categories listed, you will also find some nationally known and respected companies listed such as
o Wal-Mart
o McDonalds
o Sears
o American Airlines
o Dell
o Disney
o Direct TV
o Spiegel
o Ford Motor Company
No matter how reputable and respected the company, when a company provides goods and services to thousands of consumers nationally, it is not possible to please every consumer, no matter how careful a company is to act honorably to resolve member dissatisfaction.
malvinb2000
Garland,Texas,
USA
usabenefit ripoff!
#5Consumer Comment
Tue, October 13, 2009
I just read a rebuttal by someone who claims to be a quality analyst. If usabenefits isn't taking money unauthorized then why are so many people saying that they are. When you purchase something you don't turn around and say "hey who took my money.?" All electronic purchases are known well in advance of purchase and also give you a chance to confirm. They are not hidden.
Shelly
Uniontown,Pennsylvania,
U.S.A.
USA Benefits
#5
Wed, September 02, 2009
I work in the Quality Assurance Department at USA Benefits and I can assure you that we do not draft bank accounts without authorization. For further assistance regarding this matter, please contact our Member Services Department at (800) 809-5986, Monday through Friday from 9 a.m. to 5 p.m. ET.