- Report: #129376
Complaint Review: US Bank And I Card Services - Dublin Ohio
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US Bank And I Card Services
6030 Abbey Chapel Dr. Dublin, Ohio, U.S.A.
Phone:
614-760-0719
Web:
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US Bank And I Card Services ripoff Dublin Ohio *EDitor's Suggestions on how to get your money back into your bank account! *EDitor's Suggestions on how to get your money back into your bank account!
Well I had to report on I Card Services. Now I will have to report US Bank.
I have been banking with US Bank for a couple of years. Wiht no real problem. However, recently I Card Services took out 159.00 wihout my consent. The bank went ahead even though I didn't have enough funds to cover it. And paid it and sent it to the company.
Wihtou wondering why I would let them take out that much money. When I only had 20.73.
First of all, I would have never signed up with VIP Advantage Card Visa (I Card Services). If I knew they were going to take out that much money.
They said "No money up front" and "No application fee". The very next day I filled out the application they took out 159.00. Without my consent. I went to this web site and they gave me instruation to go to my bank.
I do so. And have the paper work to prove I filled against this company.
I called the bank and asked them to please get this resovled before the 3 of Febraury. I get paid from disability and would appeciate it if they would get this done. I get a letter in the mail the next day saying "your account as been past due for the past week" Please call the bank! I mean really I had already called the bank.
Needless to say if they don't come up with the money that was stolen from me. I will get another bank. They owe it to me to get my money back and reverse all those charges.
If they would have called me and asked me about that 159.00. I would have said "No". Return it back to the company. And all this mess could have been avoided.
I feel US Bank been a good bank for the most part. However, they need to take way the "Free checking". They charge you at some location to use your Debt card and then give you credit for using at other places. This makes no sense to me. Why charge us at all?
Now my rent check will be late, plus I won't be able to pay on the phone or cable. I have that all on one bill that will be messed up. I am probably going to fine a new bank soon.
Thank you for having this site.... it helps to get out your being upset somewhere.
Janelle
Dublin, Ohio
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.
I have been banking with US Bank for a couple of years. Wiht no real problem. However, recently I Card Services took out 159.00 wihout my consent. The bank went ahead even though I didn't have enough funds to cover it. And paid it and sent it to the company.
Wihtou wondering why I would let them take out that much money. When I only had 20.73.
First of all, I would have never signed up with VIP Advantage Card Visa (I Card Services). If I knew they were going to take out that much money.
They said "No money up front" and "No application fee". The very next day I filled out the application they took out 159.00. Without my consent. I went to this web site and they gave me instruation to go to my bank.
I do so. And have the paper work to prove I filled against this company.
I called the bank and asked them to please get this resovled before the 3 of Febraury. I get paid from disability and would appeciate it if they would get this done. I get a letter in the mail the next day saying "your account as been past due for the past week" Please call the bank! I mean really I had already called the bank.
Needless to say if they don't come up with the money that was stolen from me. I will get another bank. They owe it to me to get my money back and reverse all those charges.
If they would have called me and asked me about that 159.00. I would have said "No". Return it back to the company. And all this mess could have been avoided.
I feel US Bank been a good bank for the most part. However, they need to take way the "Free checking". They charge you at some location to use your Debt card and then give you credit for using at other places. This makes no sense to me. Why charge us at all?
Now my rent check will be late, plus I won't be able to pay on the phone or cable. I have that all on one bill that will be messed up. I am probably going to fine a new bank soon.
Thank you for having this site.... it helps to get out your being upset somewhere.
Janelle
Dublin, Ohio
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.
