My story is a little different from the others here about CigArrest. While checking my account balance online, I noticed a debit in the amount of $69.90 from somewhere I had no knowledge of. So I called my banking institution.
Nevertheless, they could not be of any more service than what I was viewing on my computer screen. So I call the number listed on the unauthorized debit transaction. Suffice it to say, not a person was answering the calls.
The ordering telephone number from Cig's website wasn't all that helpful either. I told a supervisor that I am aware that if the phone # used to place orders is from this company, than that means they are acting as agent on behalf of that company. He was very surprised to be speaking to someone that is informed of situations like these. I don't really know if it was sincere or not, but once I told this supervisor that I was going to file formal charges with my local BBB, as well as the one in the city and state of the company accepting/placing/sending the orders, as well as the one in Carlsbad, CA where CigArrest is located, he seemed to want to help me quite a bit.
I also told him I was going to file with the Attorneys General of each of these 3 states. He seemingly did all he could to help me get any info on this fraudulent company as possible. I am more upset than anything else at the fact that my personal info is out there for any company to just pull out of a hat and get to make unauthorized charges whenever they see fit!
Let me get one thing clear if I had not done so already:
I did not see any commercials, info-mercials, or anything like that for this company. I did NOT place an order for this product!! But this company DID take my funds from my debit card unknowingly, and with fraudulent intention!!!
The bottom line is this, someone needs to do something VERY quickly about this company, before someone that has the means to do more than just type in a report about his lost money ends up on the next episode of Law & Order. If I was any closer in proximity to this company, I would probably end up in jail for the anger I feel for the head of this fraudulent establishment.
raleigh, North Carolina
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
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
WE are Civil and Human Rights Activists
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.