JUST AN HOUR AGO I WENT ONLINE TO CHECK MY BANK STATEMENT AND I SAW $49.95 TAKEN OUT OF MY CHECKINGS ACCOUNT WITHOUT MY PERMISSION. I CLICKED ON THE CHECK AND IT HAD ALL OF MY INFORMATION INCLUDING MY SOCIAL security number along with my address!! And to top it ALLL OFF...there it was....a fake signature with my name!!!!!!!
I've read alot of stories from this website and its the same cause......payday loans. i regret putting all of my info online cuz this is what a get...a freakkkinn company stealing from me and even if i do dispute it on Monday morning at the bank, I'm afraid that freedom subs. will steal from me again!!!
Does anyone have any suggestions or comments on what I should do besides file a dispute? If i get it settled and my money back, are these people gonna take more money out of account??!! thank Goodness, I didnt overdraft because I would've gotten even morrrreeee mad!!! I cant believe these ppeople would do something like this. This is the 2nd time this happened to me. The first time was medical insurance fraud where they were taking hundreds out of my old checking account (Wachovia) and now this!...and mind you guys, wachovia was not a big help at all!
Someone pleaseeee help give me some ideas comments suggestions or anything
<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.
<b><font size=+1>CHARGES TO YOUR CREDIT CARD</font></b>
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 .. <i>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. </i>
And good luck… Let us know how you do!
ED Magedson – Founder
RipoffReport.com
Author of www.ripoffrevenge.com
Rip-off Report
PO Box 310, Tempe, Arizona 85280
