• Report: #222360

Complaint Review: Acclaim Mastercard - MASTERCARD_ACCLA DIRECT PAY - Edebitpay Edpreporting

  • Submitted: Mon, November 27, 2006
  • Updated: Sat, December 02, 2006

  • Reported By:Rochester New York
Acclaim Mastercard - MASTERCARD_ACCLA DIRECT PAY - Edebitpay Edpreporting
Acclaim Mastercard Nationwide U.S.A.

Acclaim Mastercard - MASTERCARD_ACCLA DIRECT PAY - Edebitpay Edpreporting I was charged $159.95 from my checking account without authorization to do so. ripoff California *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE Employee: Please Read before giving personal info

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I was charged $159.95 from my checking account without authorization to do so, I never got any creditcard from these people. It was suppose to be just an application and if approved they were suppose to deposit the $1500. No money deposited but they took my money.

Pedro
Rochester, New York
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
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 11/27/2006 04:58 AM and is a permanent record located here: http://www.ripoffreport.com/r/Acclaim-Mastercard-MASTERCARDACCLA-DIRECT-PAY-Edebitpay-Edpreporting/nationwide/Acclaim-Mastercard-MASTERCARDACCLA-DIRECT-PAY-Edebitpay-Edpreporting-I-was-charged-1-222360. 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 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

Please Read before giving personal info

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

I apologize for the misunderstanding you seem to have acquired. The products that we support are all prepaid debit cards not a regular visa card.
With the prepaid debit card you are in control of what goes on the card. In the terms and conditions it states the fees that would be charged and applied to the prepaid debit card.
Once again I do apologize but you may have read the website wrong and that may have been a separate offer that you may have qualified for.
If so that has nothing to do with the products we support. Maybe you can go back to that sight where you was and read the terms and conditions and then you may have a better understanding of what you applied for. If you would like some assistant please contact Debbie at 818-487-0675 exit 141 she is very helpful.
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