Complaint Review: SWM Laboratories FWM Laboratories Life Cleanse - Internet

While on internet I noticed supplements that in the advertisement were recomended by Dr. Oz as seen on the Oprah show. I frequently watch Oprah so I decided to try the trial order. I was only to be charged $3.95 and I could cancel my order at any time. I cancelled my order after seeing my bank account on line was charged $87.13. I called the number on my bank statement and was put on hold for 20 minutes before someone took my call. I received a confirmation number for cancellation of any future orders but was told another shipment had already been sent out to me.

On the 20th of January another charge of $87.13 was taken out of my bank account along with transaction fees and international fees. I again called the number and was put on hold again for 20 minutes and was told my order had been cancelled but I said I did not get a refund to my account. Jana Wilson, the person on the phone, said I would get an e-mail from the refund department.

The end of January I received a package which I returned unopened and I called in early February asking where my $174.26 refund was and was put on hold for over 20 minutes and I knew that no one would take my call. I have yet to receive an e-mail about a refund. I am retired and $174.26 could buy groceries and prescriptions. I was taken in by claims that this product was endorsed by Oprah and Dr. Oz as well as Good Morning America.

Also when I called to cancel my order I was never given the proper return policy when I told them that when the next order was delivered I would send it back "return to sender". She did not reveal that the product could not be returned that way. I only found that out today when I looked under SWM Laboratories on internet and read about others that have been ripped-off.

Sarah

Sunbury, Pennsylvania

U.S.A.

*EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

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.