- Report: #265456
Complaint Review: Academy Credit - Internet
-
Author Confirmed
Why?
Academy Credit
www.academylaw.com Internet, U.S.A.
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Academy Credit Company took money from checking account without proper authority Internet *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you!
I was checking my checking account online, because I had already had Mastercard thru edp reporting take money without proper authority, to find another charge from Academy Credit for 97.00.
Why you ask? I have no clue. Just like before with edp reporting and Mastercard I can not get anyone to talk to me. I called the company to ask general questions and they talked upa storm. Then called back about my problem with the company to be redirected to accounting and billing and nobody ever talked to me.
I spent a total of 5 calls 1 hour and 30 minutes on the phone to talk to someone and nobody ever came to the line. Please be careful onkline and watch your checking account.
i had to again got to my bank to sign an afidivit for this company too. Now I have been waiting for 1 week and half for these two companies to reply back. I have two kids I don't have the time nor money to deal with this.
I finally have opened a new checking account to use while in this proccess these mistakes. But I would love to know how they found my checking account number because surley they need that information to do something like this.
Tbfelton21
attalla, Alabama
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
[email protected]
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.
Why you ask? I have no clue. Just like before with edp reporting and Mastercard I can not get anyone to talk to me. I called the company to ask general questions and they talked upa storm. Then called back about my problem with the company to be redirected to accounting and billing and nobody ever talked to me.
I spent a total of 5 calls 1 hour and 30 minutes on the phone to talk to someone and nobody ever came to the line. Please be careful onkline and watch your checking account.
i had to again got to my bank to sign an afidivit for this company too. Now I have been waiting for 1 week and half for these two companies to reply back. I have two kids I don't have the time nor money to deal with this.
I finally have opened a new checking account to use while in this proccess these mistakes. But I would love to know how they found my checking account number because surley they need that information to do something like this.
Tbfelton21
attalla, Alabama
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
[email protected]
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.
4 Updates & Rebuttals
Academy
Farmington,Utah,
U.S.A.
Online Enrollment for Services with Academy Credit
#2UPDATE Employee
Wed, September 17, 2008
Academy Credit is Dedicated to Improving Ones Credit History. Our Company will fight to eliminate negative, misleading or inaccurate items from our client's credit reports and assist them to a Positive Credit Rating. Academy Credit is on the Cutting Edge of Our Industry, using the Latest Technology to assist our Clients, Therefore we feel it is important that detailed information is provided to all potential consumers interested in Our Service. Our Service is offered and Marketed on Various Internet Channels, such as partner websites that may offer different but compatible services. For Example, a consumer that has visited a website offering a Credit Card or a Pay Day Loan may be offered Our Service. Our Online Service Offer clearly states our Initial Membership Fee, Monthly Fee, The Disclosure Statements, Cancellation Notice, Digital Signature, Limited Power of Attorney, Credit Report and Verification Service. When Yes is selected to Our Service Offer , Academy Credit Immediately Sends all new clients an email to the email address enrollment was received from, Welcoming them to Our Service and once again provides payment details and all Disclosures . We at Academy Credit Do Value our Clients and Pride ourselves with High Expectations in Customer Service, so we feel it's also important to contact new clients by telephone number received with enrollment , To Personally Welcome' them to Academy Credit. If The Client is Unavailable and the Option to Leave a Voicemail is available, we Leave a Welcome Call letting them know enrollment was received and to contact us with any questions or concerns. Additionally we send all New Clients a Welcome Letter by Mail to the Address received with enrollment also "Welcoming" them to Our Service and to contact us with any questions or concerns. All Academy Credit's Contact Information is provided; we hope and encourage our clients to contact us so we may address their questions and concerns. Generally If a Cancellation Notice is not received from a New or Existing Client, and the five day grace period Expires, We do proceed with the Services as agreed upon until a Cancellation Notice is received. We cannot assume The Enrollment, or Service is No Longer Wanted. Academy Credit is Confident That Detailed Information is provided prior to enrollment, upon enrollment and after enrollment for consumers to make an informed decision regarding membership with Our Company. Had at anytime a client contacted us requesting Cancellation of Membership before the Initial Membership Fee was processed the Membership would have been cancelled.
Academy
Farmington,Utah,
U.S.A.
Online Enrollment for Services with Academy Credit
#3UPDATE Employee
Wed, September 17, 2008
Academy Credit is Dedicated to Improving Ones Credit History. Our Company will fight to eliminate negative, misleading or inaccurate items from our client's credit reports and assist them to a Positive Credit Rating. Academy Credit is on the Cutting Edge of Our Industry, using the Latest Technology to assist our Clients, Therefore we feel it is important that detailed information is provided to all potential consumers interested in Our Service. Our Service is offered and Marketed on Various Internet Channels, such as partner websites that may offer different but compatible services. For Example, a consumer that has visited a website offering a Credit Card or a Pay Day Loan may be offered Our Service. Our Online Service Offer clearly states our Initial Membership Fee, Monthly Fee, The Disclosure Statements, Cancellation Notice, Digital Signature, Limited Power of Attorney, Credit Report and Verification Service. When Yes is selected to Our Service Offer , Academy Credit Immediately Sends all new clients an email to the email address enrollment was received from, Welcoming them to Our Service and once again provides payment details and all Disclosures . We at Academy Credit Do Value our Clients and Pride ourselves with High Expectations in Customer Service, so we feel it's also important to contact new clients by telephone number received with enrollment , To Personally Welcome' them to Academy Credit. If The Client is Unavailable and the Option to Leave a Voicemail is available, we Leave a Welcome Call letting them know enrollment was received and to contact us with any questions or concerns. Additionally we send all New Clients a Welcome Letter by Mail to the Address received with enrollment also "Welcoming" them to Our Service and to contact us with any questions or concerns. All Academy Credit's Contact Information is provided; we hope and encourage our clients to contact us so we may address their questions and concerns. Generally If a Cancellation Notice is not received from a New or Existing Client, and the five day grace period Expires, We do proceed with the Services as agreed upon until a Cancellation Notice is received. We cannot assume The Enrollment, or Service is No Longer Wanted. Academy Credit is Confident That Detailed Information is provided prior to enrollment, upon enrollment and after enrollment for consumers to make an informed decision regarding membership with Our Company. Had at anytime a client contacted us requesting Cancellation of Membership before the Initial Membership Fee was processed the Membership would have been cancelled.
Academy
Farmington,Utah,
U.S.A.
Online Enrollment for Services with Academy Credit
#4UPDATE Employee
Wed, September 17, 2008
Academy Credit is Dedicated to Improving Ones Credit History. Our Company will fight to eliminate negative, misleading or inaccurate items from our client's credit reports and assist them to a Positive Credit Rating. Academy Credit is on the Cutting Edge of Our Industry, using the Latest Technology to assist our Clients, Therefore we feel it is important that detailed information is provided to all potential consumers interested in Our Service. Our Service is offered and Marketed on Various Internet Channels, such as partner websites that may offer different but compatible services. For Example, a consumer that has visited a website offering a Credit Card or a Pay Day Loan may be offered Our Service. Our Online Service Offer clearly states our Initial Membership Fee, Monthly Fee, The Disclosure Statements, Cancellation Notice, Digital Signature, Limited Power of Attorney, Credit Report and Verification Service. When Yes is selected to Our Service Offer , Academy Credit Immediately Sends all new clients an email to the email address enrollment was received from, Welcoming them to Our Service and once again provides payment details and all Disclosures . We at Academy Credit Do Value our Clients and Pride ourselves with High Expectations in Customer Service, so we feel it's also important to contact new clients by telephone number received with enrollment , To Personally Welcome' them to Academy Credit. If The Client is Unavailable and the Option to Leave a Voicemail is available, we Leave a Welcome Call letting them know enrollment was received and to contact us with any questions or concerns. Additionally we send all New Clients a Welcome Letter by Mail to the Address received with enrollment also "Welcoming" them to Our Service and to contact us with any questions or concerns. All Academy Credit's Contact Information is provided; we hope and encourage our clients to contact us so we may address their questions and concerns. Generally If a Cancellation Notice is not received from a New or Existing Client, and the five day grace period Expires, We do proceed with the Services as agreed upon until a Cancellation Notice is received. We cannot assume The Enrollment, or Service is No Longer Wanted. Academy Credit is Confident That Detailed Information is provided prior to enrollment, upon enrollment and after enrollment for consumers to make an informed decision regarding membership with Our Company. Had at anytime a client contacted us requesting Cancellation of Membership before the Initial Membership Fee was processed the Membership would have been cancelled.
Academy
Farmington,Utah,
U.S.A.
Online Enrollment for Services with Academy Credit
#5UPDATE Employee
Wed, September 17, 2008
Academy Credit is Dedicated to Improving Ones Credit History. Our Company will fight to eliminate negative, misleading or inaccurate items from our client's credit reports and assist them to a Positive Credit Rating. Academy Credit is on the Cutting Edge of Our Industry, using the Latest Technology to assist our Clients, Therefore we feel it is important that detailed information is provided to all potential consumers interested in Our Service. Our Service is offered and Marketed on Various Internet Channels, such as partner websites that may offer different but compatible services. For Example, a consumer that has visited a website offering a Credit Card or a Pay Day Loan may be offered Our Service. Our Online Service Offer clearly states our Initial Membership Fee, Monthly Fee, The Disclosure Statements, Cancellation Notice, Digital Signature, Limited Power of Attorney, Credit Report and Verification Service. When Yes is selected to Our Service Offer , Academy Credit Immediately Sends all new clients an email to the email address enrollment was received from, Welcoming them to Our Service and once again provides payment details and all Disclosures . We at Academy Credit Do Value our Clients and Pride ourselves with High Expectations in Customer Service, so we feel it's also important to contact new clients by telephone number received with enrollment , To Personally Welcome' them to Academy Credit. If The Client is Unavailable and the Option to Leave a Voicemail is available, we Leave a Welcome Call letting them know enrollment was received and to contact us with any questions or concerns. Additionally we send all New Clients a Welcome Letter by Mail to the Address received with enrollment also "Welcoming" them to Our Service and to contact us with any questions or concerns. All Academy Credit's Contact Information is provided; we hope and encourage our clients to contact us so we may address their questions and concerns. Generally If a Cancellation Notice is not received from a New or Existing Client, and the five day grace period Expires, We do proceed with the Services as agreed upon until a Cancellation Notice is received. We cannot assume The Enrollment, or Service is No Longer Wanted. Academy Credit is Confident That Detailed Information is provided prior to enrollment, upon enrollment and after enrollment for consumers to make an informed decision regarding membership with Our Company. Had at anytime a client contacted us requesting Cancellation of Membership before the Initial Membership Fee was processed the Membership would have been cancelled.
