I was called everyday, a very nice woman asked me for router number, all other information they already had, they knew almost everything about me, they told me that they were going to deposit money on my account this is why they needed my router number, I asked them how can you benefit from this, that woman told me its type of advertising campaign, when you will travel at no cost, then if you will want to stay with us we will get customer, also you will tell your friends,
I also had problem, I did not know how to use checkbooks, I never used them, I always use my ITM card, They told me that my router number is general information, when you sign checks you use it, you don't need to worry about, also to prove she gave me her account router number, after so big psychological press I gave them my information, and they told me again and again your account would not be charged, I was also told that I would receive packet in 5-1'0 business days,, 1.5 months are gone, I did not get my product.
So soon I got 3 charges on my account, I never used checks, so when you see my account its so clear that its fraud, they made up 3 companies, calling them and perusing something doesn;t work. They say we shipped packet and it did not come back and someone has received it, just make fun...
Exactly the day after I was called I went to Bank of America's Fitchburg Branch and explained them all this, I asked how important router number is for my account. They told me you made a big mistake but we will put a warning on your account, so nobody will take out money or get information about your account except you. Not only Bank of America could not protect my account even I got huge overdraft fees because I did not knew that these fake companies charged my account and I was spending as much as I could.
Nobody will believe that it is not fraud even if I can't prove it, most of the sites about fraud, scam, telemarketing, claims have reports about these companies-Floridaway Dream Escape, Travel agents Go Direct and Prism-papers attached printed from the internet proves that I am not the first and last one who was deceived. They are the shame of their country, I got money from US Department, The main reason why American Government gave me this grant is that they want me to like the USA and become pro-American leader of my country, otherwise about 25,000$ dollars are lost, but how can I like this country after this? I have right to claim, I must get my money back, if you can't help me to prove that I am right at least you can reimburse overdraft fees because I asked you to protect me but you did not.
And about Bank of America Corporation! I come from other country, and maybe I don't have money enough for them-this is why they did not care about my account. Their warning did not help it. All them realized and said that it's fraud, sent me to different destinations but never gave me money back and charged my account with huge overdraft fees. I will go to my country and I know what I am going to say!
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 EDitor@ripoffreport.com bad
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
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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.