• Report: #138205

Complaint Review: Charter One Bank

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  • Submitted: Sat, April 09, 2005
  • Updated: Sat, April 09, 2005

  • Reported By:Canton Ohio
Charter One Bank
3528 West Tuscarawas St. Canton, Ohio U.S.A.
  • Phone: 330-452-9804
  • Web:
  • Category: Banks

Charter One Bank ripoff Canton Ohio *EDitor's Suggestions on how to get your money back into your bank account!

*Author of original report: they didn't tell me about the 75 day window that company's have to screw you again without your bank raising a eyebrow.

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Back on Dec.22, 2004 a company named American Dynamic LLC withdrew $299.00 from my account. I don't know this company and never gave them permission for this withdrawal. It has in the memo area at the bottom left side: Memo call 1-888-233-1608, and you can call it 5,000 times and the message is the same. All circuits are busy, please try your call again later. Also on the paper draft I am holding, it has: Charter One Bank Wyandotte,MI 48192. I looked it up on site and this is their full address:
Charter One Bank
Branch # 278
3058 First Street
Wyandotte, MI 48192
(phone) 1-734-285-1889
(fax) 1-734-285-1955

Dec. 22, 2004 they get me for $299.00 and large amount of overdraft fees. On Jan. 7, 2005 all is credited to my account. Now I get a call from main bank in Cleveland, Ohio telling me I'm $299.00 overdrawn. To find out counting from Jan.8, 2005 till this withdrawal on March 23, 2005 it was 75 days. The same company took 75 days to say I was wrong and they got in my account again with no letter or warning they were sticking me again.

I've closed the first account out and got a new one as my bank suggested. Then how do they keep doing this? I live at 2 cahs places monthly to fix this problem over & over. I get SSI & Soc Security. A teller told the asst. manager in front of me they should of marked the block box so that company could not do it again. But, days later they (my bank)still don't know how to handle this. Please help out "The Already Poor".

Karen
Canton, Ohio
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

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...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 04/09/2005 04:29 PM and is a permanent record located here: http://www.ripoffreport.com/r/Charter-One-Bank/Canton-Ohio-44708/Charter-One-Bank-ripoff-Canton-Ohio-EDitors-Suggestions-on-how-to-get-your-money-back-in-138205. 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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#1 Author of original report

they didn't tell me about the 75 day window that company's have to screw you again without your bank raising a eyebrow.

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

This company : American Dynamic LLC has been in my personal account since Dec. 22, 2004. We are in common by the same bank I guess, Charter One Bank. When I told the bank to look up 6 months or more of my statements and look what comes out the same amt., same date, same amounts, repeatedly. They know I don't have credit cards so they shouldn't authorize money withdrawn to just anyone. Charter One will tell you over and over about the 10 day & 14 day windows & some can be extended to resolve your issues. But, they didn't tell me about the 75 day window that company's have to screw you again without your bank raising a eyebrow. I have also opened a Business checking account. I have credit card processing payments from my accounts and things for my Business. On Social Security and SSI, and was trying to start a online store, I can only think to close my accounts with Charter One and go to another bank. When I close these accounts I will be sued by the companys that take payments from my account concerning my Business. What do I do? Where do I turn? Do you know if this is a true statement? I was told that the banks are not supposed to be able to just take all your deposits from SSI and Social Security from your account, if they know that is your only income. My bank gives my money away then they take my SSI and Soc Security check the day it is put in the bank. My moneys gone before the bank door opens at 9:00am. Will I be done forever like this, by the bank that I did trust, but don't any longer? Thank You Venting feels good. But my money back would be and feel much better !!
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