- Report: #523282
Report - Rebuttal - Arbitrate
Complaint Review: Discover Enterprise
Discover Enterprise561 Keystone Ave. PMB 299 Reno, Nevada United States of America
Discover Enterprise Unauthorized charges to my checking account Reno, Nevada *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!
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This company is ridiculous! According to Danielle with Discover Enterprise I authorized, by phone, 24 charges of $39.96 to my MOTHER'S credit card! In August, my mom discovered charges that were made on her bank card when she looked at her statement and immediately called these companies to dispute them only to find out that they had it in my name. How in the world did they get my mom's bank card # and my name, phone number and address? We live 3 hours apart!
I remember getting some junk mail in June that thanked me for enrolling in quite a few different things, savings2go being one of them, that were being charged to "account ending in ****". Well, I checked all of my credit cards and my husband's crdit cards and it didn't match any of them so I added it to our shred basket thinking it was just some scam trying to get my info...boy was I right! But then my mom mentioned these charges she found on her statement and I remembered those letters and thankfully I hadn't shredded them yet so we immediately notified her bank but they didn't want to reimburse her since it was her daughter that supposedly made the charges. The bank wanted her to press charges against me! Finally, after faxing them everything we had and making statements her bank gave her back the money.
Now, here we are in November, and I jus recievced a letter from Discover Enterprise saying that my magazine membership is currently past due for $79.92 and has a space for my credit card # and signature on the bottom of the page. I thought this was all over with, but when I called and spoke with Danielle, who got very hostile with me, she informed me that I was put into colletions for $959.04 and that they have an audio recording of me saying I was authorized to make those charges to my mom's credit card. I immediately demanded to hear that audio recording but she said the Audio Department would have to contact me in 3-5 days to review that. Long story short, I am supposed to be able to hear it tomorrow morning because the girl in the audio ept. didn't show up today...suprising.
Not to mention they have been doing the whole run around with the different phone number thing. The letter said call 800-340-2457. I called, spoke to Danielle. Stephanie with the "Audio Dept." called and left a message saying to call 800-340-2754. I called that back and Danielle answered! Shocking I know! Then she told me to call 800-340-2457 again to speak to the audio people...I called that # and surprise surprise Danielle answered the phone!
I will get to the bottom of this. I know they have no such recording and will be reporting them to any and everyone I can. Also, while I was speaking to Danielle, I heard a woman yelling in the background, "I want everyone on the phone now!"...it's like a telemarketing sweatshop! Hope this helps someone like me, an honest law-abiding citizen trying to do what's right!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 RipoffReport.com Author of www.ripoffrevenge.com Rip-off Report PO Box 310, Tempe, Arizona 85280
This report was posted on Ripoff Report on 11/12/2009 11:40 PM and is a permanent record located here: http://www.ripoffreport.com/r/Discover-Enterprise/Reno-Nevada-89503/Discover-Enterprise-Unauthorized-charges-to-my-checking-account-Reno-Nevada-EDitors-Su-523282. 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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