Complaint Review: Consumer Bill - Internet

This company or shall i say scam artists keep riping me off and im told theres nothing i can do about it. except change my account information that iv'e had now for 5 years. its a mess! I have to change all my information to beat this scam artist. I have dirrect deposit, I have speciffic bills deducted from my account every month. Thats alot of my time wasted. Not to mention the 2 boxes of checks that i ordered and just receivedd in the mail a few days ago at the price of $50.00. This is ridicioulas!! Why cant the bank i deal with just not allow this same company to continue to take my money over and over again? I have to continue to take time to return to my bank with the same story nothing i havent told them a few weeks ago. So i fill out more forms and repeat the same story of how im being ripped off over and over and the smile politley and say "Sorry for the inconvience, Again". Im tired of this and why cant anyone stop this illegal stealing of peoples money? I finallly found a website to which not in surprise, Im not the only one. There are websites where peoople just like like me are having the same problem.So i guess what i want to know is after filling out all those Fraud forms and the bank retriving my money once every couple weeks, when do they stop these thieves from ripping peoole off? This leads me to believe i may be in the wrong line of work. I can rip people and off, over and over again and no one can do anything to me? Hope all the criminals dont read this and learn how to get rich quick. Its sad this can continue and all i can do is to sit here and write how mad i am that know one can help me stop this. Oh yeah guess i could go get a $5,000.00 dollar lawyer to represent me. That way i can help the banks out so that they dont have to listen to there customers complain, about some robbing them and my bank just handing it to them. Maybe my bank gets a cut of the deal?? I wont have it and will do what i need to stop them. Fired up in Maryland.

Laura

Hagerstown, Maryland

U.S.A.

b>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.