• Report: #421622

Complaint Review: IWB Club Las Vegas

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  • Submitted: Sun, February 08, 2009
  • Updated: Thu, February 26, 2009

  • Reported By:Porter Ranch California
IWB Club Las Vegas
5526 W. 13400 S. #325 Herriman, Utah U.S.A.

IWB Club Las Vegas - Ideal Financial Solutions RIPOFF through Grant Funding Research Herriman Utah *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

*Consumer Comment: Read Terms & Conditions, Always

*Consumer Comment: IWB Club Las Vegas, Nothing but positive stuff!

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First I was suckered by a $1.98 Grant Funding CD offer recommended by a "Grants for Women" website. It was recommended with sunshine and rainbows and looked to be legitimate, and why not for only $1.98? I should have trusted my gut and not trusted what has turned out to be a costly scam!

Shortly after receiving my CD, charges began to appear on my bank statement: $69.95 for Grant Funding Research, then $29.95 for IWB Club Las Vegas! I could not recall signing up for any sort of subscription to either of these. I called the $69.95 charge number and instructed them to cancel it. I asked how this charge appeared and was told that when I bought the CD, I also bought a subscription. He was willing to cancel it, but not willing to refund the charge. This was just last week.

I just noticed the $29.95 charge today, and received a recording when I called the number. I researched IWB online and found another complaint site that says the ACTUAL phone number is 866-607-1071 which is not the number listed on my bank statement. This site also says that IWB has over 500 complaints filed with the Better Business Bureau. Make that over 501 as I am filing a complaint right now. Several people on this site stated that they were unable to get their money refunded and were unable to get their banks to stop the charges.

One of those born every minute
Porter Ranch, California
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
RipoffReport.com
Author of www.ripoffrevenge.com

Rip-off Report
PO Box 310, Tempe, Arizona 85280

This report was posted on Ripoff Report on 02/08/2009 10:50 AM and is a permanent record located here: http://www.ripoffreport.com/r/IWB-Club-Las-Vegas/Herriman-Utah-84096-6919/IWB-Club-Las-Vegas-Ideal-Financial-Solutions-RIPOFF-through-Grant-Funding-Research-Herri-421622. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Consumer Comment

Read Terms & Conditions, Always

AUTHOR: Vt - (U.S.A.)

Always read Terms & Conditions, and never pay with credit card. Actually cut it. I don't trust credit cads anymore. I think it's better way to pay with PayPal if you wanna buy something. If they don't offer PayPal or other alternative way of payment I would not trust them. Too many lairs out there who made a business on the half of truth. God is Judge.
Ben
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#2 Consumer Comment

IWB Club Las Vegas, Nothing but positive stuff!

AUTHOR: Fireguy - (U.S.A.)

I think it is too bad that IWB Club has "made" its way to this site. I have seen miracles worked by this company and it has literally changed the life and fortune of my brother and his family. I typically stay off the "soapbox" but after spending some time talking with my brother and his wife, I decided to investigate this company that had apparently MADE my brother get out from under his debt and avoid a costly bankruptcy. While doing my research I came across this site.

After reading some of the postings on this site, it appears that the people complaining are suggesting that someone else supposedly signed them up for a self-help service with a 100% money back garantee (unlikely) and they now are upset about it because they had some difficulty getting thru to the customer service line to cancel the membership. Welcome to the real world people! If I griped and boycotted a company everytime I sat on hold longer than I wanted to or had some other difficulty, I wouldn't have a phone or internet or credit cards or be able to have my favorite pizza delivered to my house.

Anyway, I'll hop off the soap box now, but before I do, one last thing. Let's stop going after companies that are working to offer solutions to our country's financial hardships and start doing something positive like: Create a savings account and contribute to it regularly. Volunteer in our local government. And most of all, start seeing the silver lining to this economic crisis we're ALL in and realize that we're ALL going to have to start living within our means. Amen :-)
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