Complaint Review: WLI Reservations Rewards - Shelton Connecticut

In examining my latest bank statement, I came across a mysterious charge of $7.00 (on my check card: visa, but linked to my checking account). When I looked at old statements, I also saw the $7.00 charge on my last 3 statements, too). I thought it was something my husband did. When I discovered he knew nothing about it,and I couldn't think of what business I had done online that would have charged that.

SO, I decided to call the number that was on the statement (next to WLI reservationrewards). The recording identified itself, and there was an option to cancel my member ship. But I didn't know my membership #, not knowing about this.

So, I cancelled the membership, and was given an authoriztion # and the latest charge would be refunded, and would not be charged further. I decided to call the company during business hours and spoke to a "Real" person, who explained to me that the $7.00 would be refunded to my account, and no more charges would be made (we'll see). I then asked how I got linked up to this "organization" because I didn't remember signing up for this. He went on to tell me that In June 2003, I had joined classmates.com and, received a reduced membership rate on classmates.com by "joining" this reservations rewards, and it was to have been a 30 day trial of the service, and if not wanted, I needed to cancell it.

Well, I don't recall that. But after reading many of the entries on Rip-Off.com, I am understanding that many people were aware of this "agreement" or this company. Our bank was somewhat helpful in that they couldn't really block payment or put an alert on it, but they did say if I am charged again, that I can do an "unauthorized transaction" report, and they would be able to go after the party and get us our many back.

What a racket. Please, if you all learn anything from this...be aware of your bank statements.

Stacey

Rochester,, Washington
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.