• Report: #194502

Complaint Review: Aarons Sales And Lease Ownership

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  • Submitted: Fri, June 02, 2006
  • Updated: Mon, March 29, 2010

  • Reported By:Jasper Texas
Aarons Sales And Lease Ownership
1846 N. Velasco St Angleton, Texas U.S.A.

Aarons Sales And Lease Ownership, Credit,Debit card theft,fraud Angleton Texas *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE EX-employee responds: Unauthorized credit charge charges

*UPDATE EX-employee responds: Unauthorized credit charge charges

*Consumer Comment: To James

*Consumer Comment: To James

*Consumer Comment: To James

*Consumer Comment: To James

*REBUTTAL Individual responds: It Happened To Me Also

*Consumer Comment: How did they get the number

*Consumer Comment: To Ben

*Consumer Suggestion: Read what you sign

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I have rented from Aaron's for about 2 years now..I have moved from Angleton to another city. My wife has just now found a job up here so money is a little tight.. I am currently 15 days behind on my payment, and daily the phone calls pour in.. They state they are going to file criminal charges and legal action etc... well today I look at my bank statement and find they charged $139.05 from my account via my debit/credit card WITHOUT my authorization.

I have filed with the Attorney General's Office in Texas as well as the Federal Trade COmmission. I have spoken to the DIstrict Attorney and once my bank calls me back to let me know who made (which employee) the transaction, I do have a right to file theft charges. If anyone winds up with a class action suit against these people...please let me know, I will be happy to join in. Thanks to them, I now have no money in my account, plus overdraft charges to boot!

Joe
Jasper, Texas
U.S.A.

Click here to read other Rip Off Reports on Aaron's Rental Eunice

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
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.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 06/02/2006 04:25 PM and is a permanent record located here: http://www.ripoffreport.com/r/Aarons-Sales-And-Lease-Ownership/Angleton-Texas-77515/Aarons-Sales-And-Lease-Ownership-CreditDebit-card-theftfraud-Angleton-Texas-EDitors-S-194502. 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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REBUTTALS & REPLIES:
0Author 9Consumer 1Employee/Owner
Updates & Rebuttals

#1 UPDATE EX-employee responds

Unauthorized credit charge charges

AUTHOR: I Know How You Feel - (United States of America)

I am sorry to say I saw this done numerous times by employees at Aarons, and was forced to do this myself against my better judgement and ethics, in fear of losing my position with the company. Do call your bank ASAP, let them know what has happened and ask that Aarons provide you proof (a signed credit card receipt) which they never have, cause you never signed anything.  Good Luck
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#2 UPDATE EX-employee responds

Unauthorized credit charge charges

AUTHOR: I Know How You Feel - (United States of America)

I am sorry to say I saw this done numerous times by employees at Aarons, and was forced to do this myself against my better judgement and ethics, in fear of losing my position with the company. Do call your bank ASAP, let them know what has happened and ask that Aarons provide you proof (a signed credit card receipt) which they never have, cause you never signed anything.  Good Luck
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#3 Consumer Comment

To James

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

James,

Just FYI, I did the same thing, since I moved, I made a payment one time using my credit card. Well they kept mine on file as well. Long story short, the person who forced the payment without my permission has a court date of Oct 16, 2006 for Unlawful Use of Credit Information. Took the company to small claims court and got my payment back plus $600.00 to cover the overdraft charges.

I told them in the begining that all they had to do was refund my payment and all would be forgiven. But they chose to call and use threats (all of which was recorded and brought to the police dept and amll claims court)and told me that I wasnt getting my payment back. So I went the distance and won. All I can say is, document, document, document! The more the better. And dont just let them do it...I hope this helps!

Joe
Jasper Texas
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#4 Consumer Comment

To James

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

James,

Just FYI, I did the same thing, since I moved, I made a payment one time using my credit card. Well they kept mine on file as well. Long story short, the person who forced the payment without my permission has a court date of Oct 16, 2006 for Unlawful Use of Credit Information. Took the company to small claims court and got my payment back plus $600.00 to cover the overdraft charges.

I told them in the begining that all they had to do was refund my payment and all would be forgiven. But they chose to call and use threats (all of which was recorded and brought to the police dept and amll claims court)and told me that I wasnt getting my payment back. So I went the distance and won. All I can say is, document, document, document! The more the better. And dont just let them do it...I hope this helps!

Joe
Jasper Texas
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#5 Consumer Comment

To James

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

James,

Just FYI, I did the same thing, since I moved, I made a payment one time using my credit card. Well they kept mine on file as well. Long story short, the person who forced the payment without my permission has a court date of Oct 16, 2006 for Unlawful Use of Credit Information. Took the company to small claims court and got my payment back plus $600.00 to cover the overdraft charges.

I told them in the begining that all they had to do was refund my payment and all would be forgiven. But they chose to call and use threats (all of which was recorded and brought to the police dept and amll claims court)and told me that I wasnt getting my payment back. So I went the distance and won. All I can say is, document, document, document! The more the better. And dont just let them do it...I hope this helps!

Joe
Jasper Texas
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#6 Consumer Comment

To James

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

James,

Just FYI, I did the same thing, since I moved, I made a payment one time using my credit card. Well they kept mine on file as well. Long story short, the person who forced the payment without my permission has a court date of Oct 16, 2006 for Unlawful Use of Credit Information. Took the company to small claims court and got my payment back plus $600.00 to cover the overdraft charges.

I told them in the begining that all they had to do was refund my payment and all would be forgiven. But they chose to call and use threats (all of which was recorded and brought to the police dept and amll claims court)and told me that I wasnt getting my payment back. So I went the distance and won. All I can say is, document, document, document! The more the better. And dont just let them do it...I hope this helps!

Joe
Jasper Texas
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#7 REBUTTAL Individual responds

It Happened To Me Also

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

I made a payment in the past with my Credit Card and they kept that on file somewhere. So if I got just a few days behind they would charge my account without my pernission. They made me overdray my account. I had a bunch of small amount debits and check out there. So when it was all said and done I was charged with over $400 in overdraft fees and fees for bounced checks from the company's I had written them to.
I am so pissed off at them.
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#8 Consumer Comment

How did they get the number

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

of your checking account/debit/visa card?
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#9 Consumer Comment

To Ben

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

Ben, thanks for your reply.

#1 I havent signed anything what so ever, nor did I receive a copy of the contract! At no time did I ever give these people permission to do any debit. The only response I got from the store manager (Markus) was that "I had no knowledge that this happened". Well long story short, the BBB was contacted and I was told that this wasnt the first time its happened at this store, they also stated that I should talk with the local police dept and open a case which I did. Now its just the waiting process.

I told them that until such time as I am re-embursed my payment and my overdraft charges, I was not making a payment one, or they could come get the TV at anytime they wish. its been almost 2 months. At any rate, the PD told me that they have 2 other active cases for the same thing against that store. So time will tell..
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#10 Consumer Suggestion

Read what you sign

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

Heres a question for you. Did you sign a credit card authorization form? If you did, before you initialed and signed it you should have seen that it says that you authorize Aaron's to take payments either automatically, or with phone authorization only, and that you authorize payment if your account is 15 or more days past due. Im not saying you can't dispute the charges, but they won't hold up in court with a signed authorization by you.
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