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  • Report:  #133095

Complaint Review: Wts Bank - Nationwide, Internet

Reported By:
- Park Hills, Missouri,
Submitted:
Updated:

Wts Bank
www.wtsbank.com Nationwide, Internet, U.S.A.
Phone:
800-717-7476
Web:
N/A
Categories:
Tell us has your experience with this business or person been good? What's this?
Wts Bank took money out of my fathers checking account with out permission. They took almost $100.00 a month for 9 months before it was ever noticed. They have denied giving the money back.

My boyfriend and I were surfing the net one night and there was a popup for a porn site advertising free pics and stuff like that. So we clicked on it and it said it was totally free and if we entered a checking account number we would have access to all this free stuff and that the account would never be charged anything unless we contacted them to order a full subscription. So I entered my fathers checking account number because I dont have one but my payroll check is electronically deposited into my fathers account every payday so I had access to his account. It was all cheesey stuff anyhow so we never went back to that site. We just forgot all about it. Well my father started bouncing checks which he hasnt done in all of the 7 years he had his account and we couldnt figure out why they were bouncing all of the sudden. Well one day he noticed that one of his bank statements had my boyfriends name on it for a withdrawl so he decided to look into it and found the 800 number for wts bank. They said they would not return his money. They stole over $900.00 out of my fathers account which I had to pay back to my father and I did in full. Plus all the back fees for the checks bouncing.

Angela

Park Hills, Missouri
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 you 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/comptroller 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.


1 Updates & Rebuttals

Jerry

Jackson,
Mississippi,
U.S.A.
The only reason a company is going to ask you for an account number is if they are planning on billing it at some point

#2Consumer Suggestion

Tue, March 29, 2005

If you read the agreement that you made with the company at the time it probably stated that you needed to cancel the subscription in order to prevent funds from being debited from the account. Most of these free memberships are actually trial periods that after expiration of the trial have monthly fees associated with them. These agreements should be carefully read to prevent misunderstandings and situations such as the one you experienced. The only reason a company is going to ask you for an account number is if they are planning on billing it at some point and this should be taken into consideration when signing up for free memberships.

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