Complaint Review: One Call Legal One Call Md - NATIONWIDE

These people called me. They asked for my husband. I told them that he was not here.

They called back and asked for my husband. My husband got on the phone.

The lady explained how his credit card had been chosen as a winner. She said that he had won $200 in gas and a $100 gift card. She continued to tell hem that there would be a shipping fee of 4.95. She also explained that she already had his credit card number.

He hung up the phone on her upon her not excepting any offer. That was on the 16th of may. Then on the 2nd of June, these people took two $20 dollar charges out of our account.

I called them. They talked to both myself and to my husband. They agreed to take the charges off of my account. I told them that I needed the money in my account now, because I had wrote a check to my insurance earlier that day. I explained that if the money was not there my check would not clear the bank, because the quote/unqute the credit card that they used was acutally my husbands debit card.

The lady asurred me that they would credit our account within 24 hours.

Two days later my insurance check hit the bank and bounced. Costing me a $35 bank charge, I also have to pay the insurance company a $35 charge along with my payment. This is money that I do not have so it could cost me the insurance on my car.

They finally put $20 in my account on the 2nd, and the other $20 on the third. But they have cost us $70 in charges when all we did was hang up on them.

My husband and myself have spoke with them several times on the phone and they still refuse to tell us how they got our debit card number, or to replace fees that they cost us by removing money from our account without permission.

Davesangle

San Antionio, Texas

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

RipoffReport.com

Author of www.ripoffrevenge.com

Rip-off Report

PO Box 310, Tempe, Arizona 85280