I, too, have become another victim of Grant Fund Search and Ideal Wealth Builder Club. Seems like they have a pretty good scam going for themselves.
Since my granddaughter will be going to college this fall, while searching the intenet, I found Grant Fund Search and thought I might get some use of a CD that they were offering for $1.98. This was supposedly the cost of shipping it to me. I did authorized a charge for $1.98 to be debited from my account but have never received their CD. Now my bank account is showing a charge of $69.95, which I did not authorized. According to the "Customer Service" rep, I was told that this was non-refundable as I had ample time to contact them to cancel my membership which I didn't even know existed. This rep told me that they would not refund this amount because "You might ignored or did not read it first before you placed your request for the CD.) I tried to explain to him that I did not sign up for a membership in anything. This fell on deaf ears. From reading other complaints, I found another phone number (1-888-584-0883) to contact Eric Travis. I have called this number at various times throughout the day and night, up to 2:30am, and continuously receive a message that "all circuits are busy." Either this is a bogus number or the telephone company has a very serious problem.
Today, I checked my account again and found that Ideal Wealth Builder Club processed a debit to my account in the amount of $29.95. From reading other complaints, I found that this so call Club is somehow attached to Grant Funding Search. I have contaced my bank and cancelled my debit card because who knows how many more of these fraudulent companies are attached to Grant Fund and they now have my number. I have also filed a discrepance report with my bank. I did some research with the Secretary of State of Nevada and found that a Gregory Christensen is the Registered Agent on file. His address is in Las Vegas and not Henderson Nevada. I am continuing my search to get a phone number that is ligitimate and to find any information that will be useful in case of a lawsuit.
Cary, North Carolina
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
Author of www.ripoffrevenge.com
PO Box 310, Tempe, Arizona 85280