Complaint Review: Member services inc. - gulfport Internet

I was on the internet looking for a reputable loan company and was directed to the Member service.inc. I applied thinking it was a credit card company but quickly realized that this was much more than just a credit card and got off the page. A couple days later I received a phone call from this company. I asked the representative to explain how the card worked. He explained that after a with drawl of my bank account I could go to a their website and buy merchandise with a limit of 10,000 dollars.

I quickly started thinking this was a scam. I told the representative on the phone do not debit my account, I wasn't sure if this was something I wanted to do. I stated I wanted to speak with my husband and he could call me back at the end of the week and I would have an answer for him. Well my phone was broke for about a week and I bought a new one with a different number. I had completely forgotten about this and thought nothing of it.....big mistake!

However I did speak with my husband and decided it wasn't something we wanted to do, it seemed like a scam. Well a week goes by and I received a bank statement showing they had without my permission gone ahead and debited my account 60.00 . I called my bank and was told not only did they take my money but they were going to debit it again that night at midnight. So I closed my account.

The next day I called the company and was asking why they did this. I was told from a very rude woman that I had given my account number and that had confirmed that I accepted this outrageous offer. I tried to explain that I had spoken to a rep. from that company and told him not to debit my account. She proceeded to tell me I was lying and I did not speak with anyone. Also that they had emailed me and  called. She was being very argumentative, so I asked for a supervisor. She said she was the supervisor and then hung up.

So I called back and someone else answered, I was trying to explain what was going on and she told me I was lying and hung up again. So I looked up this company and found no website, all I found was other people that had also been ripped off by this company posting their frustration. I also opened my email and found absolutely no email from this company. They have successfully ripped me off and there is nothing I can do to get my money back. 

Not only did they debit my empty account but because of that I'm now over drafted and owe the bank as well. Cannot believe I fell for this. I want my money back This is a scam and they should not be allowed to do this. Times are hard enough , I was struggling to begin with that's why I was trying to get a credit card in the first place. Now my credit is going to be affected and now I have one more bill to have to pay off, when I didn't agree to this anyways. I'm shocked that this company can get away with this. How do I resolve this situation?


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