• Report: #294141

Complaint Review: BSM/SBA Express

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  • Submitted: Mon, December 24, 2007
  • Updated: Tue, January 15, 2008

  • Reported By:Daytona Beach Florida
BSM/SBA Express
2620 S. Maryland Expressway Las Vegas, Nevada U.S.A.

BSM/SBA Express Grant Master Las Vegas Nevada

*UPDATE Employee: Resolution Offer

*UPDATE Employee: Resolution Offer

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I ordered the cd which cost $1.98 to help me find grant money for college. Less than a month later they take out $39.95 and two weeks later take out $7.85. Both of these withdrawals was unauthorized.

Donald
Daytona Beach, Florida
U.S.A.
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 chargetruth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

demand tion E.
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 orm.


This report was posted on Ripoff Report on 12/24/2007 07:43 AM and is a permanent record located here: http://www.ripoffreport.com/r/BSMSBA-Express/Las-Vegas-Nevada-89109/BSMSBA-Express-Grant-Master-Las-Vegas-Nevada-294141. 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.

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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

Resolution Offer

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

First of all let me offer my sincerest apologies to Donald. There are no commitments with the free product. There is a bonus free trial period to the membership websites that accompanies the free CD and we do our best to disclose this as it is stated on the sales page, the order page, the confirmation page and in the 1st paragraph of the Terms and Conditions of the offer. The trial period is free for 7 days and we would not have charged Donald had he canceled during the trial period. It is not our desire to bill clients who do not want the membership after the free trial offer ends.

When you order our product you must select "Ship My FREE Kit!". Right next to that button is the following statement in 10 pt font:

Terms and Disclosures. By clicking "Submit" I am ordering the Grant Master CD and trial membership for one dollar and ninety-seven cents, after the 7-day trial I will be charged thirty-nine dollars and ninety-five cents a month thereafter if I do not cancel. I also agree to the 14 day and 21 day bonus trials to Express Business Funding and Network Agenda for seven dollars and ninety-five cents a month and nine dollar and ninety-five cents a month thereafter, should I choose not to cancel. I have read and agree to the PRIVACY POLICY (last updated: 02/12/2007) & Terms and Conditions. Charges will appear on credit/debit statements as "GrantSearchAsst".To cancel call 1-866-396-5694, M - F, 9am - 9pm EST.

Donald, please contact customer service at the number listed above. There you will find a helpful agent waiting to assist you with your concern.

If you are another customer that is reading this and you feel that we have failed you in some way or you feel you weren't treated fairly please call me directly at 435-773-1795 or email me at ryanr@wskc.org and I will be happy to address your concerns ASAP.

Sincerely,

Ryan R.
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#2 UPDATE Employee

Resolution Offer

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

First of all let me offer my sincerest apologies to Donald. There are no commitments with the free product. There is a bonus free trial period to the membership websites that accompanies the free CD and we do our best to disclose this as it is stated on the sales page, the order page, the confirmation page and in the 1st paragraph of the Terms and Conditions of the offer. The trial period is free for 7 days and we would not have charged Donald had he canceled during the trial period. It is not our desire to bill clients who do not want the membership after the free trial offer ends.

When you order our product you must select "Ship My FREE Kit!". Right next to that button is the following statement in 10 pt font:

Terms and Disclosures. By clicking "Submit" I am ordering the Grant Master CD and trial membership for one dollar and ninety-seven cents, after the 7-day trial I will be charged thirty-nine dollars and ninety-five cents a month thereafter if I do not cancel. I also agree to the 14 day and 21 day bonus trials to Express Business Funding and Network Agenda for seven dollars and ninety-five cents a month and nine dollar and ninety-five cents a month thereafter, should I choose not to cancel. I have read and agree to the PRIVACY POLICY (last updated: 02/12/2007) & Terms and Conditions. Charges will appear on credit/debit statements as "GrantSearchAsst".To cancel call 1-866-396-5694, M - F, 9am - 9pm EST.

Donald, please contact customer service at the number listed above. There you will find a helpful agent waiting to assist you with your concern.

If you are another customer that is reading this and you feel that we have failed you in some way or you feel you weren't treated fairly please call me directly at 435-773-1795 or email me at ryanr@wskc.org and I will be happy to address your concerns ASAP.

Sincerely,

Ryan R.
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