OK well it has now set in that in 15-25 days i will be the proud owner of my second debit card (aka Stored Value Card). I was also given the hook line and sinker with the offer of a $2000 unsecured Mastercard. I put in my dispute with my bank CItibank, but it will not help, the money is long gone and i was recorded saying yes for a stored value card. So they got me by the rocks.
The customer service rep was completely rude (of course) and, said that i was never told i was getting an unsecured card. When i mentioned the information on this and other sites she told me that "people can write anything they want on the internet, it doesnt mean its true" which she is right they can but then i asked why others had got the same scripted sales pitch she said "you have to understand that people in sales are under alot of presure, so they may say things that aren't true in order to get you to buy it" UNREAL, are you kidding me!
So basically she then went on to tell me that "you should never buy anything on the phone, you should always go in to a bank to get a credit card" I couldn't help but laugh my a*s off at this one. She just screwed the pooch with that statment.She might as well of laugh in my face and screamed "YOU GOT SCREWED!" i had to ask how she sleeps at night "don't make this personal or i will disconnect the call" PERSONAL!! so my loss of $249 shouldnt be taken personal when i was completely lied to? I then told her you are welcome for paying her weekly salary of peanuts and popcorn and to sleep well knowing i will see her in hell!!
So just for those who fall prey to these people the bank that is doing these tranfers or at least mine is:
CALNET BUSINESS BANK out of sacremento.
super easy to find on the internet. If they took you also through this ACH call and complain imediately! It may help!! Other wise make it a lesson...
I will still seek revenge... this fight is not over...
1 pissed off human
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
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.