• Report: #127857

Complaint Review: Freedom Gold, Versatalk Guardian Marketing

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  • Submitted: Tue, January 18, 2005
  • Updated: Tue, January 18, 2005

  • Reported By:Hickory North Carolina
Freedom Gold, Versatalk Guardian Marketing
capitalvacation.biz Hickory, North Carolina U.S.A.

Freedom Gold, Versatalk Guardian Marketing ripoff unauthorized charges fraud access to my info without my knowledge Tampa Florida *EDitor's Suggestions on how to get your money back into your bank account!

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I was contacted in the middle of december by Freedom Gold company who said they would give me a credit line for 5000 dollars for $200 one time fee and $10 I said no, dont send me anything, the man said will be sending it to you and hung up on me.

I took the money out of my account so they could not withdraw it and have to open a whole new account, but still had to leave the old account open for other things to clear. I left a little extra money in the old account for any mistakes I might have made.

When everything cleared and all was situated I went to close the old acccount for good and was informed of a charge for $29.95 of my money by a company called Versatalk guardian marketing, whom I had never heard of in my life. I found there name on the internet on this site and found there numberssss
and finally got in touch with someone who gave me another number for Teleflex communications

I talked to someone there who told me to send a letter to them requesting a refund, but in order to do this it has to be depositied into your account so I had to keep the account open still. I guess we will see what happens . Turns out teleflex was a "bonus offer" to the Freedom Gold CRAP and I never agreed to anything and was still charged. Thanks to all of you that reported your misfortunated encounters with these companies otherwise I wouldn't have known where to start and who to contact.

Teleflex :866-821-8674
Versatalk : 877-494-7363 or 888-824-7675

Hope we get our money back, Good luck to all!!!

Stephanie
Hickory, 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
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.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.

This report was posted on Ripoff Report on 01/18/2005 12:47 PM and is a permanent record located here: http://www.ripoffreport.com/r/Freedom-Gold-Versatalk-Guardian-Marketing/Hickory-North-Carolina-28602/Freedom-Gold-Versatalk-Guardian-Marketing-ripoff-unauthorized-charges-fraud-access-to-my-127857. 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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