- Report: #126844
Report - Rebuttal - Arbitrate
Complaint Review: Dominion Financial
Dominion FinancialP.O. Box 1891 Champlain, New York U.S.A.
Dominion Financial RIPOFF! They took $279 from my checking account promising, but not delivering to me a secured value credit card with a $5000 line of credit. Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!
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A few days later on 12/01/04...I was told that I would have the card within 3 to 4 weeks...Instead I was mailed a package of advertisements and a letter which said to fill out the application and send it to the bank in order to get my Mastercard. But there was no application in the package. So I called the telephone number to report that there was no application in the package. The guy I talked to told me that the bank would send out the application within 7 to 10 days. I said thank you and hung up...
After waiting a few days I thought I would call again to ask more questions about why the application was missing...A guy with the same voice answered and he told me this time that it would be 2 weeks to receive the application...I told him that he told me 7 to 10 days before and now he's saying two weeks, and he said, "Are you sure you talked to me before?" I told him that I didn't know for sure, but what was HIS name anyway? He then hung up the phone on me! I called back and said, I guess we got disconnected, I was asking for your name." He said, "It's Chris James." I said, well, Chris, is there a manager there that I could speak to?" He then hung up on me again....
I then decided to go to my local bank, Sun Trust, and dispute the charges. After several phone calls and confusion, they determined that there was nothing they could do for me and that the dispute was between me and "Dominion Financial". I told the guy at the bank, "Well, now you see why I have only used American Express for so many years. They would investigate this fradulent company and get me my money back...
Is this Democracy? Is it really possible that the poor and vulnerable are legally ripped off by scams such as this and the government does nothing to stop them? Am I sick over this?...You betcha!
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!
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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 01/11/2005 10:09 AM and is a permanent record located here: http://www.ripoffreport.com/r/Dominion-Financial/Champlain-New-York/Dominion-Financial-RIPOFF-They-took-279-from-my-checking-account-promising-but-not-deli-126844. 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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