- Report: #174455
Complaint Review: Specialty Merchandise Corporation - Simi Valley California
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Specialty Merchandise Corporation
996 Flower Glen St. Simi Valley, 93065 California, U.S.A.
Phone:
818-998- 3300
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Specialty Merchandise Corporation I never received the so called coaching from SMC and called to cancel the membership before thirty days, SMC took an extra payment out of my account without my authorization and is absolutely refusing to give my money back. Simi Valley California *EDitor's Suggestions on how to get your money back into your bank account!
On November 11th,2005 I called SMC to get a trial membership for thirty days. I was excited about having their supposed business coach call me so I could start my own "my business."
After calling and setting appoinments for coaching several times,no coach ever calling me. I was upset with SMC and their coaches for having me sit by the phone wasting my time and I wanted to cancel the whole thing.
The person I talked to about cancelling sounded sypathetic and said would have the Supervisor of coaches call, all this time the thirty day deadline to cancel was quickly approaching.
About the next day or so (Not sure of exact day or date but around November 22th or 23rd) someone called and left a message in answering machine for me, said he was the coach supervisor but would be out on vacation until next week but would call me when he came back.
I though I finally would have results for my coaching and would be able to find out the best way to go about starting my own business.
The coach never called and my thirty days were up. I called SMC Corp. again and told its people I definitly wanted to cancel.
They said that I would have to "cancel in writing" in order to get my money back. I did cancel by sending SMC a certified letter.
When my December bill came SMC had all ready taken another $39.99 out of my account without my authorization. Angain, I called them and told them that I wanted at least the $39.99 for the month of December back.
SMC is absolutely refusing to give me even just the payment for December back and says that my account will remain open.
So as you can see, SMC has this coaching game going to distract people from cancelling according to SMC rules. When unsuspectign consumers find out how SMC works, SMC tells them it is to late to get their money back.
I would like to help put a stop to SMC stealling our money and to forcefully keep unwilling consumers' accounts open.
Barbara
Sioux City, Iowa
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.
Click here to read other Rip Off Reports on Specialty Merchandise Corp. SMC
After calling and setting appoinments for coaching several times,no coach ever calling me. I was upset with SMC and their coaches for having me sit by the phone wasting my time and I wanted to cancel the whole thing.
The person I talked to about cancelling sounded sypathetic and said would have the Supervisor of coaches call, all this time the thirty day deadline to cancel was quickly approaching.
About the next day or so (Not sure of exact day or date but around November 22th or 23rd) someone called and left a message in answering machine for me, said he was the coach supervisor but would be out on vacation until next week but would call me when he came back.
I though I finally would have results for my coaching and would be able to find out the best way to go about starting my own business.
The coach never called and my thirty days were up. I called SMC Corp. again and told its people I definitly wanted to cancel.
They said that I would have to "cancel in writing" in order to get my money back. I did cancel by sending SMC a certified letter.
When my December bill came SMC had all ready taken another $39.99 out of my account without my authorization. Angain, I called them and told them that I wanted at least the $39.99 for the month of December back.
SMC is absolutely refusing to give me even just the payment for December back and says that my account will remain open.
So as you can see, SMC has this coaching game going to distract people from cancelling according to SMC rules. When unsuspectign consumers find out how SMC works, SMC tells them it is to late to get their money back.
I would like to help put a stop to SMC stealling our money and to forcefully keep unwilling consumers' accounts open.
Barbara
Sioux City, Iowa
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.
Click here to read other Rip Off Reports on Specialty Merchandise Corp. SMC
