• Report: #284494

Complaint Review: AP9 Saving Smart - AP9 Shopping Essentials - AP9 Passport To Fun

  • Submitted: Mon, November 12, 2007
  • Updated: Sun, April 13, 2008

  • Reported By:Killeen Texas
AP9 Saving Smart - AP9 Shopping Essentials - AP9 Passport To Fun
www.savingsmart.com Internet U.S.A.

AP9 Saving Smart - AP9 Shopping Essentials - AP9 Passport To Fun Stealing My Money Internet-based Internet *EDitor's Suggestions on how to get your money back into your bank account!

*REBUTTAL Individual responds: Saving Smart Company is steling my money!!

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To be truthful I have no clue who these people are, but I keep having money taken out of my checking account and I have had enough. I'll admit I decided to try the AP9 Passport to Fun, but called more than once to cancel the membership and was told it was cancelled, but still had money coming out of my account, the same with AP9 Shopping Essentials, but at no time did I request a membership to them, and money started coming out of my account for that, and I cancelled that online immediately, and have a termination comfirmation number that I printed off for proof, but this AP9 Saving Smart just showed up.

This "AP9" crap have to be linked, I guess if you cancel one, they just bump your name and information over to another company linked to them so they can continue to steal your money.

Killeen, Texas

EDitor's Suggestions on how to get your money back!


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!


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.


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

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.

This report was posted on Ripoff Report on 11/12/2007 11:43 PM and is a permanent record located here: http://www.ripoffreport.com/r/AP9-Saving-Smart-AP9-Shopping-Essentials-AP9-Passport-To-Fun/internet/AP9-Saving-Smart-AP9-Shopping-Essentials-AP9-Passport-To-Fun-Stealing-My-Money-Interne-284494. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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Updates & Rebuttals

#1 REBUTTAL Individual responds

Saving Smart Company is steling my money!!

AUTHOR: Natalie - (U.S.A.)

I signed Up for a 7 Day Free Trial to "Passport to Fun" on June 18, 2007.. I Cancelled the free trial on June 21, 2007 by phone and was told that they would cancel "Passport To Fun and Saving Smart" and did receive a cancellation email stating that my membership was cancelled on June 21, 2007..

I just recently got a printout of my Debit transactions which only comes when I ask for them since this is a New Jersey Child Support Card..and noticed that Saving Smart has been billing me $39.95 a month for the past 7 months which made me furious to say the least!

So I called them to address these transactions and was told by a manager to pull up the cancellation email and call them back and she would go to the owner and explain to him the mistake a refund me the $282.85.

I did that and called the company back in 10 to 20 minutes tops and was told that all of the managers left 1 hour earlier..which was didn't make sense. So I explained to the rep the nature of the previous conversation with the manager.. and she told me that I signed up on September the ^th of 2007 and became very nasty and over talking me while I was disputing her claims.. So I got angry and told her that I wasn't going away I would just keep calling until they refund me $282.85 and she rudly hung up on me!

This company has several sister companies and they will steal money from you jumping from one name to another.. A few of the names on my statement are "saving smart" and Smart Financed and I am sure Passport to Fun will be next! some one need to put a stop to these people!
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