I was initially contacted for free gas coupons. The telemarketer requested for my checking account and routing number saying a small fee in the amount of ~2.00 would be charge to cover the postage cost. I agreed to this and in turn received the package. After reading over everything I decided not to proceed.
A couple weeks later, I received a box of washballs for the washer. I had no idea what this was for and just threw it out. After that, no one ever called me or sent me anything else in the mail.
After a couple of months I started receive NSF notices from my bank and had no idea what they were from. I was a busy student and did not check my bank statements very often. Then I realized these companies have been charging me without any notice. I immediately went to my bank to close my account and file an unauthorized notice. However, my bank rejected my request since it was past the rebuttal period.
I called the four companies directly requesting my refund. They said they would mail me the refund form, which I had to fill out and mail back. I did this for all four accounts. The amounts are listed below. I believe they are all under one big company.
American Values - $119.90
Washballs - $79.95 + $5.95
Utalk Unlimited - $39.95 + $139.90
Wellnet - $124.90
I have been calling ever since summer of 2004 requesting my refund. Every time I call in, they give some excuse such as 'will flag your request', 'will forward to corporate office', will forward to management', 'under special attention', and to check back in 10-14 business days. I have called them over 20 times trying to get an update but have never been able to get anywhere.
If there is anyone out there who can help me out, I would greatly appreciate it!! I keep a log of everytime I call and who I spoke with and what their answer was. I don't know if this will help at all.
North Potomac, Maryland
U.S.A. Click here to read other Rip Off Reports on American Values 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 hasbeenmore 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 youproperly 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 dealwith 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 faxor mail toyou 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 theymake 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.