AP9*ShoppingEssential - Savings Membership 888-999-0564 rip off, fraud, unauthorized monthly charges Internet *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

I first noticed a charge of $14.95 on my November credit card statement from Savings Membership. I am very careful not to subscribe to a membership and new this was not right. I went online and found that I was not the first. I took the advise of someone else and called the company. I was firm and they said they would refund the charges and cancel my membership which I had never signed up for. Sure enough the next month the charge was refunded.

Then I saw found my October statement, the company had conveniently forgot to mention I had been charged for the previous months too. This time I called my credit card company and complained. My cc company refunded the charge, plus another charge from August.

I just received my year end statement and now see I had been charged since June. In June 1, July 1, July 31 and Aug 30 the charge came through as AP9 Shopping Essentials. Since I had bought a few things in the mall around June, July and thought there was a store called AP9 I thought nothing of the charges. In September the charge came in under the name Savings Membership. This caught my attention immediatly. Unfortunately I now see that my cc refunded my all but the first three charges, which still leaves me out of about $45.00. This really pi.... me off.

I don't know how they got my information. But this is another reason I will never use my check card for online purchases. Things like this are just to easy to slip through. It is much harder to get your checking account cleaned up than it is to contest something on a credit card.

I have read several complaints from people and this company needs to be shut down. But it looks like they are still doing business as usual. Probably better now in this economy.

S M
Crane, 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 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
RipoffReport.com
Author of www.ripoffrevenge.com

Rip-off Report
PO Box 310, Tempe, Arizona 85280