- Report: #306227
Complaint Review: Johnson Law Group - Orlando Florida
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Johnson Law Group
1800 Pembrook Drive Suite 290 Orlando, 32810 Florida, U.S.A.
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Johnson Law Group Unauthorized debits keep reaccuring out of my checking account Orlando Florida *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you
When I recieved a call from Nick Orlandos from the credit exchange this smooth talker talked me into signing up for their ridicilous debt consolidation program. I called to cancel withing the next few weeks deciding the program was not for me.
They told me to fax in a cancellation letter. I did so. The money was still withdrawn from my account. Calling again to let them know, they assured me that it would not happen again and I would probably not get a refund on my money for that month.
Sure enough a month later on the designated date the funds were once again withdrawn from my account. I contacted my bank to put a stop payment once and for all, hopefully it works.
If anyone has delt with these crooks please let me know what i need to do to get them to stop.
The angry consumer
Ogden, Utah
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.
They told me to fax in a cancellation letter. I did so. The money was still withdrawn from my account. Calling again to let them know, they assured me that it would not happen again and I would probably not get a refund on my money for that month.
Sure enough a month later on the designated date the funds were once again withdrawn from my account. I contacted my bank to put a stop payment once and for all, hopefully it works.
If anyone has delt with these crooks please let me know what i need to do to get them to stop.
The angry consumer
Ogden, Utah
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.
2 Updates & Rebuttals
Nick Orlandos
Jonesville,California,
U.S.A.
Mistakes are made and what you read on ripoff report is probably more emotion then reality.
#2UPDATE Employee
Tue, February 19, 2008
On Feb. 5th an individual titled angry consumer from Ogden Utah whose name is Kyler **** chose to vent against myself and my company the credit exchange. If i look at his feelings objectively and from a consumers point of view i can understand his knee jerk reaction to his situation. Sometimes I am impatient as a consumer also. As indicated by Kyler's retraction he did over react and was always treated fairly during the course of his enrollment. What had happened was that he had decided to quit right up to the day that his money was to be pulled and implemented into the program. As indicated by his paper work he would need to notify us within three days of his moneys pull date to effectively stop the transaction. This did not mean that he would not receive his money back, but it would take some time to go through a typical burecratic process to get it done. Mr. **** will agree that i returned all of his calls immediately and directed his concerns to the departments that could help him. In customer service we had Michelle Croy working very hard get things done for him but at times had diffuculty contacting Mr **** by phone as noted by our logs. Mr **** was somewhat embarrased when i notified him of my finding on this blog and stated he over reacted in response to a reasonable process to get his money back . I would like to add that even though countless hours were spent by many people to make his consolidation a success we hold no grudge that he needed to quit before it got started.We as professionals know that having debt can be very deblilitating to an individuals actions and emotions. This is why we at the credit exchange work very hard for all of our clients. When we can help an individual get out of debt in four years intsead of 25 years and save them potentially thousands of dollars in unwanted interest payments it makes us feel great. I want to add that i have never worked for a more professional and dedicated group of people than i have at the credit exchange and johnsons law group. Thankyou Nick Orlandos
The angry consumer
Ogden,Utah,
U.S.A.
UPDATE
#3Author of original report
Tue, February 19, 2008
The Johnson Law Group and Nick Orlandos have been working with me fully to correct the problem, and have helped me go through the process of refunding the amount owed to me and it is greatly appreciated. They have consistantly apologized for the inconvinience. I realize the context of the original posting might be insensisitive and I do apologize for the language used on my behalf to Mr. Orlandos, and the company.
