Complaint Review: BBU Services - Silver Springs Nevada

I was checking my credit union account online on Jan. 12, 2011, when I discovered a strange check # and amount. The next morning I called my credit union, and they told me the check looked like a phone by check. They gave me the name on the check BBU Services and the number 800-456-5171 to call to find out what it was for. I promptly did this and explained to the woman answering the phone that I had not authorized them to take anything from my checking account. She informed that they were a third party processing company and that the check was for an online subscription. She asked for a tx number which I didn't have. I again repeated that this activity was not authorized at which point she promised to refund the $29.95 to my account in 3-5 days. I immediately called my credit union back and relayed the conversation.

I've been checking my account daily. Finally, yesterday (Jan.26th) I called BBU Services to let them know I was still waiting on the refund. The phone was answered as Billing Dept., and the woman was incredibly rude. She kept interrupting me, wanting my tx number, my name, and check # that had cleared. When I gave her my name & check number, she reportedly couldn't find anything in their system. I told her that I would be contacting my credit union again & pursuing further action. When I asked her for her name, she wouldn't give it to me & hung up. I immediately my credit union again to let them know that this was definitely fraudulent activity. Last night I researched this company and discovered on a website that some of the victims had mortgages with EverHome Mortgage and paid online.

Today (Jan. 27th) I contacted EverHome Mortgage & shared the information with them. They are sending me some paperwork for their research dept. I gave my credit union a list of checks still out on my account, got copies of the check, and opened a new account. When I looked at the copy of the check, I noticed that it didn't have my name correct (close to what is on my checks but not quite) and the address was wrong - wrong street & wrong city.Once my outstanding checks clear, I will be closing the compromised account. They gave me my $29.95 back at their expense because I requested it when I notified them in writing of the fraudulent activity on my account. The credit union also tried to call the number and got an answering machine with a recording just asking the caller to leave a message.

I also filed a police report with the sheriff's department today and a report with the FTC. I will also be filing a report with our Attorney General and FBI.

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 RipoffReport.com Author of www.ripoffrevenge.com Rip-off Report PO Box 310, Tempe, Arizona 85280