- Report: #691331
Complaint Review: National Union Fire Insurance Company - New York New York
Reported By:
Carmen -
Daytona Beach, Florida, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
National Union Fire Insurance Company
70 Pine St. Floor 50 New York, 10270-0002 New York, United States of America
Phone:
212-770-7000
Web:
Categories:
Business Rating:
(0)
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National Union Fire Insurance Company Unauthorized automatic deductiion of accident and disability insurance from checking account $15.90/mo. since 2007 New York, New York *EDitor's Suggestions on how to get your money back into your bank account when someone wrongfully takes it from you!
Since April 2007 NUFIC has had an automatic withdrawal from my wife's checking account for $15.90 per month for an alleged accident and disability policy. Unfortunately, my wife is from Romania and unsophisticated financially and did not notice or question this deduction until I saw the charge and questioned her Feb. 2011. She had no recollection and no policy and was sure she never gave her checking account # to anyone over the phone. When Bank of America gave me the pnone # of NUFIC, I called and was told by a rep that the entire transaction was over the phone and they would send me an authorization form after which I would be able to listen to the taped conversation between her and the salesman.
This is now in process and I am giving NUFIC the benefit of the doubt until I listen to that tape if it exists or is only a delaying tactic. It is only after seeing 17 diferrent reports of approximately the same scam on Ripoff Report that I am very dubious of a legitimate transaction having taken place, and thus prompted to file this complaint. If I am wrong I will file a subsequent report as to the good faith of NUFIC, but as of now I am reasonably sure that she was a similar victim as your many other clients. Right now I can only admit that my wife was very negligent in not looking carefully at her monthly bank statement. This is a good warning to all, especially the elderly or unsophistaced to take the time to look at every deduction every month, the failure to do so being the omission the scam artists are counting on.
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
This is now in process and I am giving NUFIC the benefit of the doubt until I listen to that tape if it exists or is only a delaying tactic. It is only after seeing 17 diferrent reports of approximately the same scam on Ripoff Report that I am very dubious of a legitimate transaction having taken place, and thus prompted to file this complaint. If I am wrong I will file a subsequent report as to the good faith of NUFIC, but as of now I am reasonably sure that she was a similar victim as your many other clients. Right now I can only admit that my wife was very negligent in not looking carefully at her monthly bank statement. This is a good warning to all, especially the elderly or unsophistaced to take the time to look at every deduction every month, the failure to do so being the omission the scam artists are counting on.
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
