I am a college student on vacation for the summer, I worked hard while in school, and took out a loan for getting my wisdom teeth removed, just to find $36.90 a month being taken out of my checking bank account by something called "AT HOME REWARDS" and "WC Value Plus". Who knows how long they've been doing this, I can only check back 3 months online and my bank charges to go back farther.
I know I should have paid more attention to detail on my history reports, I use my debit card too much I know plust I thought Value Plus was the convenience store I sometimes go to and ATHOMEREWARDS was typed like that and didn't know what the heck it was.
It still isn't right, and isn't my fault! I can't file a dispute till I get back home in another two months. My bank said all they could do is cancel my debit card and all I have for when I go to Europe in two weeks is my ATM card and checks.
I called the number for At home rewards and it sounded like I was talking to some young brat that kept acting defensive. The only way I got through to her from the automated system was to type (555)555-5555 as my phone number then I got to talk to someone, I was not going to type a real number. She asked me for my member ID number, said I never had one since I never signed up in the first place. She responded with "Well apparently you did, can I just have your phone number then?"
Then I told her I didn't trust them enough to give my phone number and she should have gotten the fake one I typed in and that I didn't want them to be calling my mom all the time.She said " but we don't call out, we only take calls, only way we can help you is to have your reeal phone number". I said "well I don't like you're persistent tone of voice, you're apparently a fake and I'm going to see to it everyone knows it" Then I hung up. From reading other things I hear people complain about getting harassing calls from them. I think they should be stopped and I want my money back that they've deceived me out of.
If its something where I bought from a website and didn't read a NOVEL of fine print before hitting accept, thats a load of bull! I've not bought from a site even related to home products, so if I get a monthly bill for home improvement stuff when I agreed to buy a DVD case or something, that is not right, it is deceiving the public, they all should go straight to prison! I'll see to it. If anyone has advice let me know right away. Thanks.
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, 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
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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.