They have faulty auto pay service that they will not give you proper credits for payments ,They mark late because of it they also make us have bad credit rating in the credit bureaus ! Goodness sakes I was called You people when trying to explain this situation !And still charge fees for improper late fees
I have been hung up on 6 times in past 2 months !
They have refused payments on the automatic payment system 2006 then when I called them in a lady named Joyce refused the payment too !
On Dec 15th the auto payment system refused our payment and of course the office was closed for the day so when they called me 12/20/06. I told them I was going to mail payment since thier system messed up again and they were gonna try to charge me a illegal late fee again, this lady Traci stated that I should just give her the info off my check and let her put my payment through well she give me wrong confiirmation numbers and they stole 505.04 to much money from our checking account ,which overdrew our chcking account right before Christmas ruining our holidays ,messing up the budgeting so grand children did not get even amount of gifts and we could not get our 100 gallons of fuel.
I let them know this when I called them on 12/22 asking them to return the money stolen out of our checking acct. by them I spoke with Ann , and Kim this day !after getting hung up on 3 times ! before I spoke I threaten to get off the phone and call the district attorney if they hung up on me again ! I have turned them into the Pa gerneral attorney and the office of thrift Supervision and so far nothing ! Pa General attorney still working on this !
I have been reading articles on the net and from what I hear they mostly do not respond if they can get away with it !
Also after these events we recieve a paper that THE RIGHTS TO SERVICE account is being to ASSIGNED, SOLD , OR TRANSFERRED TO Wells fargo Home Mortgage Loans out of P O box 10334 DES MOISE, IA. 50306-0335 FROM WASHINGTON MUTUAL !
I after reading all that I have believe that there is proof of scamming ,I believe they are monitizing money which is illegal, and there should be some thing done by the goverment to stop them from stealing from the consumers of America ! They should have to forgive every one of the consumerss of all there debt and send all paper work to them and be closed down for good !
By the way before I got Januarys payment processed correctly I had been hung up 3 more times by Andrew ,SHansel ? spelling with that name also one that I did not get name off Then Holly finally got things squared away and processed the payment correctly but I believe it may still have been reported late to credit bureau even though had started to make payment on the 15th and did not get processed until the 17th of Jan 2007
I would not be afraid to bet that they are defrauding the US Goverment too ! seems like they are doing everything else illigal !
Mary
Ashville, Pennsylvania
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 CARDIf 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
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.™
Make sure they make the Rip-off Report!
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