D
Dallas,#2Consumer Suggestion
Fri, January 03, 2003
I also was a victim of ICS, on 11/15 - I called my bank on the day the 258.00 was debited from my checking account because I had a feeling something wasn't right, to have a reversal done, but was told there was nothing they could do - in typical victim fashion, I didn't persue, because I was embarrassed. After reading information on this site, then calling my bank and learning that unless i had actuall SIGNED something (phone authorization does not count!), according to NACHA and federal regulation E rules, I was entitled to a refund if disputed with my bank within 60 days... as I was still within that window of time, I went to my bank this morning, signed an affidavit of fraudulant activity that the bank had for this purpose, and the bank assured me that the transaction WILL be reversed by Monday (within two business days, today is Friday)no further questions asked - SO - GO TO YOUR BANK and do this... ICS is not going to help you - they are simply delaying because they know that after 60 days they can keep your money! (FYI - My bank explained that if the debit had been on my atm/visa check card the procedure would be different and more difficult to reverse... but a debit of your checking account number only, WITHOUT a physical signiture, it is hard for ICS or any company to prove that it was actually an authorized person giving permission for the debit - even with a recrding... beside, companies like this are unlikely to dispute the reversal... hence the delay tactics.) Good Luck - GO TO YOUR BANK NOW!!
#30
Tue, December 31, 2002
Well to give you an update im going to wait 7-10 days to see if they give me my refund. They promise it will be put back in my checking account so i will update you all again to let you know how much more bullshit they feed me in 10 days when i most likely not recieve this money.