*EDitor's Suggestions on how to get your money
back into your bank account that someone wrongfully takes it from you!
<b><font size=+2><font
color="#0000FF">EDitor's Suggestions on how to get your money
back! </font></font></b>
<b><font size=+1>HERE IS WHAT RIP-OFF REPORT
SUGGESTS YOU DO: </font></b>
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!
<b><font size=+1>DO NOT TAKE NO FOR AN ANSWER!
</font></b>
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.