- Report: #96126
Report - Rebuttal - Arbitrate
Complaint Review: Charter One Bank
Charter One Bank1215 Superior Avenue Cleveland, Ohio U.S.A.
Charter One Bank ripoff! Excessive Fees Being Charged For Debit Card Fraud Incident. Cleveland Ohio *EDitor's Suggestions on how to get your money back into your bank account!
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The reason my account is at a negative balance is because Charter One allowed a fraudulent charge against an account where there were insufficient funds to cover it. I am living in Texas now, and there are no Charter One branches I can go to to make a deposit. Also I am unemployed and may not have the funds to pay these charges and get my account out of a negative balance. However, that will not stop Charter One bank from continuing charging me another $33 every four business days.
My main complaint is that I am being charged $33 every four business days for an overdraft which I did not make. I have never made an overdraft on this account. I am disputing the fraudulent debit card charge, however, the Charter One representative who I talked to on the phone told me that I would have to wait to receive paperwork in the mail. In the time it takes me to receive that paperwork and mail it back in, I may well be charged another two or three overdraft fees. And I will be charged even more overdraft fees in the time it takes for the dispute forms to be processed. This could end up costing me hundreds of dollars, all for an overdraft which I did not make!
I feel that this is an unfair business practice to continue to punish me with fees for a charge that was made by someone who (apparently) stole my debit card number and used it to purchase items from Ebay. I feel that since this fraudulent charge has been reported and is being disputed that Charter One bank should immediately stop charging overdraft fees.
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 you 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/comptroller 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
Don't let them get away with it.
Make sure they make the Rip-off Report!
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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
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This report was posted on Ripoff Report on 06/23/2004 02:24 PM and is a permanent record located here: http://www.ripoffreport.com/r/Charter-One-Bank/Cleveland-Ohio-44114/Charter-One-Bank-ripoff-Excessive-Fees-Being-Charged-For-Debit-Card-Fraud-Incident-Cleve-96126. 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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