- Report: #327013
Complaint Review: SaveYourIdentity - Internet
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SaveYourIdentity
SaveYourIdentity.com Internet, U.S.A.
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SaveYourIdentity.com ,SaveYourIdentity.net SaveYourIdentity.org Wrongful deduction from my checking account Internet
I had recently browsed some website advertising personal loans, but did not actually apply to any of them, or respond to any continued offers by email.
I noticed yesterday this company had deducted an amount from my checking account. Until then I had never heard of the company, nor would have enlisted their aid with our without fee. My bank, of course, is powerless to rectify the error.
I may be forced to open a new account at the bank.
Vince
Oaklyn, New Jersey
U.S.A.
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 chargetruth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
demand tion E.
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 orm.
I noticed yesterday this company had deducted an amount from my checking account. Until then I had never heard of the company, nor would have enlisted their aid with our without fee. My bank, of course, is powerless to rectify the error.
I may be forced to open a new account at the bank.
Vince
Oaklyn, New Jersey
U.S.A.
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 chargetruth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
demand tion E.
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 orm.
1 Updates & Rebuttals
Adam
Orlando,Florida,
U.S.A.
What you are saying does not sound right, it sounds impossible! Did you NOT READ THE TERMS or are you having buyers remose?
#2Consumer Comment
Wed, April 30, 2008
What you are saying does not sound right, it sounds impossible. If you did not submit your information to accept a service online, then how could the company possibly receive your information and charge you? It sounds like you also applied for a payday loan online and DID NOT READ THE TERMS!! Like I said before it is impossible for a company to receive your information and charge you a fee unless you submit information an application for them to do so! It sounds that you are regretting ever signing up and you are trying to make it sound like this company fraudulently charged you! I can understand your situation and just like you I also had signed up and received a payday loan online, but I DID NOT ACCEPT saveyouridentity. It sounds like you simply did not read the terms before submitting your payday loan application which tells you what you were getting yourself into if you accept saveyouridentity! While signing up I made sure all of my information was correct and I READ THE TERMS to everything before I clicked submit!! I read all the terms for the saveyouridentity service which is identity theft protection. I decided I did not need this right now so I made sure NOT to accept the service with my application. Since I selected NOT to receive the service, I was NEVER billed! Sorry to hear about your troubled situation, I thought it would be good for me to share my experience with you. I hope you will be more careful in the future when you signup for things online, you MUST read everything these days even the fine print! The company got your information because YOU SELECTED TO SIGN UP or the service! I think your bank understands that you willingly initiated the charges to your account! In the end you would not have had a problem if you would have READ THE TERMS! Best Wishes
