Vistaprint - shoppingessen - businessmax fraudulent credit card charges Frederick Maryland Internet *EDitor's Suggestions on how to get your money back into your bank account!
I discovered charges on my cerdit card account that I did not authorize. I will call all companies involved and will continue to file ripoff reports and contact my attorney.
God is gracious
Frederick, Maryland
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!
We are not lawyers.
We are not a collection agency.
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...the victims' advocate
WE are Civil and Human Rights Activists
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...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.
1 Updates & Rebuttals
Thetruth
Montreal,Quebec,
Canada
The steps many people dont try!
#2UPDATE EX-employee responds
Thu, November 29, 2007
Now I understand that many of the people on this board is upset cause of charges on their statment, but this is either a mistake on your part or the company's. Instead of losing your head try calling the company and explaining the situation, the representative on the phone doesnt know your situation so dont yell at them! It make the long day even longer and its not fair to them cause they just work there.There are many people who use these services and got them the same way you did. When I worked for V.P.Rewards, BusinessMax, PassportToFun(+), ShoppingEssentials(+), PrivacyMatters123 I also serviced 46 other programs that are oferred from banks, stores, informercials, online services/stores...etc great services that I have seen hundreds of people use and save a bundle. There really isnt much out there who dont offer services we service, and remember we just service them we didnt give them to you. I would service over 250 calls a day from Canada, U.S. and U.K. So forget what you think this is cause its not, anytime you had a charge it was written on your statment along with a phone number and the name of the sevice just incase there was a problem. Just call answer the reps question first then he/she will give you an opportunity to explain the problem. Simply ask to cancel and request a refund. I dried these call cause out of 100 calls maybe 5-10 of them are people who registered and never read that they did, but come on now it says congrad on your screen when you register and a email is sent out to the email address that needs to be applied at the point of the offer. Now out of the 5-10 its not all people with charges some are people who read the info after they submitted there email, they usually say " Hi i enter my email address into this thing and then I read it can I cancel it" which I do (cause it would cost me my job if I dont). So please stop pretending your a victim of something cause last time I looked a crook doesnt steal your tv and leave their phone number and name to reach them. IF you want to know more just ask me, forget asking the editor(great tips but there is no need to fight it can be settled in a more civilized manner).