I received a notice from my bank that I was over drawn. Called my bank and they said the check was for $139.00 and they paid it out. The check was made out to interbill ltd and no endoresment was requied that they had verbal approval from me. wrong. I don't know these people, never dealt with them, upon futher checking, with my bank the gave me a website that was on the check.
I went to search and there is no such website of www.pharmacycard.com. Then I got a phone number of 18664763536, called it and go a man named graham. He said they just work for the company and were not really the company who the check went to. I ask how and why they took money out of my bank account. now get this....I had my banker online 3 way and this is what we were told...this pharmacycard.com sends 100 and 1000's of mail all over the world. In the letter it says if you do not want to take advantage of this then send card back.
If card is not sent back we will assume or we will take the money out of you bank account to pay for this service. Get real I throw junk mail away, never have had to respond to it or they we allowed to help themselves to my bank account. How can our goverment let something like this go on? How many people know this is happening to them? They better check there mail junk and all these days i guess or get screwed. where is our goverment at when they let this happen. this absolutely has to be stopped and now.
Thing is, i don't know how they got my account number and they had my old address on the check the made for themselves. i had to freeze my account and open another one. I am disabled and this cause me a lot of running to the bank and a hell of a lot of stress, still nevers in a ball and headache wondering when this is going to happen again. I went to the canada yellow pages and put in pharmacy's in vancover and 2 popped up called canada safeway ltd. yeah ltd at the end imagine that. they were listed twice with same address but two different phone numbers 6049262034 and 6049221422.
Anyway the graham guy i and my bank taked to said that it would be like 7 to 15 days something like that before my money was returned. they ask for my address and in no way in hell was i giving it to them. my banker told them to mail it to the bank in my name and she gave them the address. Im not finihed with these people. im going to take this as far as i can goverment officials any one that will listen, news media anyone. im mad and this kind of crap has to stop. our bank accounts aren't safe. they say don't use your debit card it isn't safe like on the net and etc but hell, anyone that wants can attach our bank accounts and like to get money out of the.
this is the second time i have been hit in a year. last one was sly yard dogs out of florida and i had to run them down., the cincinnati fraud unit tells me that unless the amount is 2500 or more it isn't worth there time and money to run after someone in another state or county for $139.00. i understand this but my gosh im not the only one there are hundred and thousands being taken from and that amounts up to way over 2500. these people know just what they are doing and how to do it and we have got to find a way to have the stop and pay for what they have done to all of us. another thing, can't we file with our post master that this kind of mail is coming through our us mail. im sure going to try.
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 you 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/comptroller 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.