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USA Credit - USA Shopping Club - USA Platinum Visa ripoff continuing to withdraw money from my checking account for services that I have not received. Uniontown Pennsylvania EDitor's Suggestions on how to get your money back into your bank account!
First of all, they took $149.00 from my account for payment to join their shopping club after the agreement stated that I would be given a 30-day Free Trial period in which I would have time to withdraw from the club before my account was to be charged. Instead, they withdrew the money from my account (according to my bank statement) only a few days after I signed up.
So, I figured since they had already taken the money out, I would have to go ahead and stay in the club. I ordered $79.00 worth of merchandise on Dec. 1, 2005. It was supposed to be a buy-now-pay-later order. I was told that I wouldn't be charged until Feb. 2006 (they withdrew the shipping and handling charges from my account only a few days later). A few days after that, they charged my account for $10.00 for something (I still don't know what for), and charged my account $14.95 for a Platinum Visa credit card (that I never ordered). Since that time I have called them to find out about my order and about this so-called credit card that I'm being charged for. I never did get an answer about the credit card. I was told that my order would take 6-8 weeks to be shipped (although I had been told 4-6 weeks when I made the order). I have only received one of the items that I ordered (the least expensive one, $10.00).
And so far, they have over-drawn my account three times. I told them from the start that I was on Social Security Disability and only received $579.00 a month (out of which I have to pay all my bills... rent, elect., phone..etc.) at the beginning of the month. By the 6th day of the month my account has already been reduced to only a few dollars. So, I thought the arrangement was set up for them to send me a bill to let me know ahead of time that I was due on a payment or something. But, instead, they have just been withdrawing the money from my account without notifying me ahead of time!
Rhonda
Forest Hill, Louisiana
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 hasbeenmore 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 youproperly 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 dealwith 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 faxor mail toyou 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 theymake 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.
Click here to read other Rip Off Reports on USA Credit
1 Updates & Rebuttals
Tracy
Whiteman AFB,Missouri,
U.S.A.
Check out your Credit report
#2Consumer Suggestion
Tue, January 17, 2006
I did the USA Platinum card thing about a year and a half ago. I was 19 and desperate to start building my credit. I found the site on a regular credit card search engine and I found it and I applied. True..I was shocked beyond all belief that my account was charged the $150. I went nuts calling my bank and calling the company wanting a refund. Then I found out that the $150 is automatically put into store credit (they send you the cretificate in the mail for the amount and you are to submit that with your bill) I never bought anything and sure I wasted $150 voucher but then I checked my credit report. The $7,500 credit limit I was now approved for increased my credit score by just under 100 points. I was blown away and decided that paying $150 for an increse of almost 100 points was definately worth it. I now have a myfico account and I monitor it constantly.
www.myfico.com or you can go to any of the credit agencies like experian, transunion, or equifax...now by law they have to suppy you with one free report annually.
Good Luck!