• Report: #303986

Complaint Review: BSM - SBA Express

  • Submitted: Mon, January 28, 2008
  • Updated: Tue, February 12, 2008

  • Reported By:Tomah Wisconsin
BSM - SBA Express
2620 S. Maryland Parkway, Suite #969 Las Vegas, Nevada U.S.A.

BSM - SBA Express They have taken$7.95 out of my checking without my authorization three times Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE Employee: Resolution Offer

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I ordered a Grant CD for $1.95 for a free trial for 14 days in October. I called them to cancel my subscription before the 14 days was up. In November of 2007, they took $7.95 out of my checking account without my authorization. They did the same thing in December of 2007 and January 2008. I wrote a letter to them in the early part of January of 2008 to stop this and they still took it out in January. I have wrote my bank a letter specifically telling them to not withdraw this money from my account in the future. I never authorized this as I did cancel the subscription before the 14-day trial. Is there anything you can do to get my money back?

When I wrote them, I demanded my money to be refunded immediately. I haven't heard anything from them as of yet.

Tomah, Wisconsin

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.

This report was posted on Ripoff Report on 01/28/2008 09:21 AM and is a permanent record located here: http://www.ripoffreport.com/r/BSM-SBA-Express/Las-Vegas-Nevada-89109/BSM-SBA-Express-They-have-taken795-out-of-my-checking-without-my-authorization-three-t-303986. 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 UPDATE Employee

Resolution Offer

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

I would like to discuss Quisty's concerns with him to insure that he is taken care of.

First and foremost I offer an apology for the breakdown in service Quisty obviously experienced. Quisty, I was able to locate your account and have verified that it has been canceled at this time, there was also a refund processed on your behalf and a confirmation email was sent to the email address we had on file confirming same. We attempted to call you at the number on the account and were not successful in reaching you.

If you come back to read this and want to discuss your account please contact the customer service department. There you will find happy, helpful agents that are waiting to assist you with your concerns. The phone number for Customer Service is 866-396-5718, they are available Monday-Friday 9 am - 9 pm Eastern Time.

If our support staff fails to offer the quality and professionalism that we expect them to provide then I would personally like to know about it so that I can resolve the issue in-house so that it doesn't continue to happen. I also guarantee to personally see to it that anyone who has had a negative experience with our staff or company is satisfied. I can be reached on my cell phone at 435-773-1795 or via email at ryanr@wskc.org. Once again, my apologies to Quisty. Hopefully, I will hear from him soon so that we can be sure he is satisfied.


Ryan R.
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