Complaint Review: National Value Network - Internet

i called a ad i saw in a local free local newspaper for police impounds. cars, from $500.00. tax repossessions, u.s. marshall and irs sales.

cars, trucks, suvs, toyotas, hondas, chevys, and more.

you had to call a 1-800 phone number and ask for ext. 1207. when i did a woman named chris operater #326 answered. she explained for a one time fee of $9.95 for the year i would recieve listings in my area of these so called $500.00 cars.

if after 30 days she quoted i could call the service dept. at another 1-800 number and request the type of car i wanted and they would find it.

at first i was very leary but signed up anyway. i gave her my banking information on july 1st thinking only $9.95 was going to be taken out of my account and since i had $26.00 in my account i knew it would clear.

on july 2nd i checked my account on line and was shocked to see they had taken out $58.07 out of my account which gave me an over draft for $35.00. i then called my bank and disputed it.

i then called the ad again and pretended to be some one else and asked what it would cost to buy this list. the man that answered told me it would be $9.95 for the year. i then told him what had happened the day before and why was my account charged the $58.07. he wouldn't give me any answers and just told me to call the other 1-800 number, which i did.

i spoke with a woman named michelle operater # 511. she told me in order to prove being over charged i'd have to fax her a copy of my bank statement. she was almost calling me a liar and said nothing could be done until i sent her my proof.

i told her to stick her company where the sun doesn't shine and to give me back my money and to cancel the order and not to bother even trying to recharge me because i would dispute that with my bank also, and they would get nothing.

i also asked to speak to chris the one who i ordered this from but she was on another line scamming some else i suppose. i told michelle i was turning them into every body and any thing i could.

i could of gotten this information on line or at my local police dept. but thought for the $9.95 i'd have the whole list.

these people and company are scams don't fall for it.

Susan

st augustine, Florida

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.