This morning when I was checking my bank account I noticed a transaction debited from my bank acct. from a company listed as (Consumer Trust). They debited 149.00 which in return put my account in the negative. I called the 1-800 number listed under their name and I was on hold for more than 20 mins. When I finally got connected to with someone by the name of "Linda Smith" she told me that they could not refund my money that I had to write to this address: Consumer Trust Financial
611 South Harrison Avenue
Clearwater, FL 33756
When I asked her why they took money from my account without permission she told me that when I had applied for a payday loan that I had signed up for their line of credit and agreed for that money to be taken out of my account. She said that it showed that the 149.00 had not posted, and I told her, "that it did." She said, "well it doesn't show with us for 49 days." When I asked if I could speak with a manager, she said that they were going to tell me the same thing- to write the address as listed above.
Needless to say, I did not authorize this transaction! Yes I did apply for a payday loan. I needed money! This defeated the purpose of me trying to get a loan, when they just stole money from me. This is not ok! I hope that they get caught. They are posing as someone else on the internet, so they can scam you!
Please be carefull of who you give your information to. I have learned my lesson! They will get what they have coming to them!
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.