THIS COMPANY CHARGED MY ACCOUNT ON 3/9 FOR 3.95 AND SAID THAT I WOULD BE GETTING 200 DOLLARS IN COUPONS FOR HOME DEPOT. i NEVER RECIEVED THE COUPON AND THEN TODAY I LOOK AT MY ACCOUNT AND THEY HAVE CHARGED ME 149.90 FOR SOME MEMBERSHIP. I NEVER AGREED TO A MEMBERSHIP FOR THAT AMOUNT THE ONLY THING I AGREED TO WAS THE 3.95.
ANYWAY I CALLED THEM WANTING MY MONEY REPLACED AND THEY TOLD ME THAT THEY WOULD SEND OUT A FORM TO ME TO FILL OUT THEN I HAD TO SEND THAT FORM BACK INTO THEM BEFORE I WOULD GET A COMPLETE REFUND. SO I SAID TO THEM WHAT MAKES YOU THINK THAT I BELIEVE THAT YOU WILL SEND ME OUT THIS FORM, I MEAN I NEVER RECIEVED THE COUPONS FOR THE 3.95 I GAVE YOU. ANYWAY TO MAKE A LONG STORY SHORT I ASKED TO TALK TO THE LADYS SUPERVISOR AND SHE TOLD ME THAT HE WAS ON THE PHONE THAT HE COULDN'T TALK TO ME AT THIS TIME AND I TOLD HER THAT I WAS GOING TO TALK TO HIM BEFORE I GOT OFF THE PHONE WITH THEM, SHE FINALLY PUT ME ON HOLD FOR A FEW MINUTES AND THEN GOT BACK ON AND SAID MAM I TALKED TO MY SUPERVISOR AND HE TOLD ME TO TELL YOU THE SAME THING THAT I HAD ALREADY TOLD YOU. i TOLD HER THAT THIS WASN'T GOING TO WORK FOR ME AND THAT I WAS GOING TO TALK TO HIM OR HER AND SHE JUST FINALLY HUNG UP ON ME.
I CALLED RIGHT BACK AND DIDN'T GET AN ANSWER AO I WAITED ABOUT 5 MINS AND CALLED BACK AGAIN. I GOT ANOTHER LADY AND I JUST IMMEDIATLY SAID I WOULD LIKE TO TALK TO YOUR SUPERVISOR AND SHE HUNG UP ON ME AGAIN. SO I WAITED ABOUT 10 MINS OR SO AND CALLED BACK (AFTER I HAD ALREADY CALLED MY BANK) AND i GOT A MAN THIS TIME.
i EXPLAINED TO HIM WHAT WAS GOING ON AND HE TOLD ME THE SAME THING THAT THE FIRST PERSON TOLD ME. THESE PEOPLE ARE SCAM ARTIST. OH AND BTW WHEN I CALL A VOICE MAIL COME IN AND IT SAYS THANK YOU FOR CALLING PREMIRE BENEFITS.
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 bad
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
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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.