This company or someone affiliated with this company is stealing money from my bank account. First I sign April 5th for some information$1.97 S/H and end up with a $139.95 charge to my bank account. I cancelled the same day, and my money was credited back three days later. Now I look at my bank account on 12/2/10 and I have a charge for $38.99 on my bank account from some sort of online program. I called the number on my bank statement 888-495-7634 and they will not tell me who they are, or what service I am being charged for.
They simply say it is for something I signed up for on April 5th and did not cancel my membership. I explain that I cancelled, and I was refunded. Eight months later, this $38.99 charge going back to this original online scam. My bank calls them and this company will not cancel the charges, therefore I cancel my card. Friday, I see that .39 has been added on as a Visa Fee. My bank said this is an overseas charge for the Visa transaction. I filed a police report on 12/02, however this company at this telephone number will not tell me where they are at, city or state, and the foreign person on the phone cannot speak clearly enough for me to get an actual name. After several attempts, the person spelled out Reward.
Since April 5th, I have received telemarketing calls regarding some sort of reward program, and have declined each time, asking them not to call me anymore. This person says they have the last four dig of my card number. Obviously they got tired of me declining and hanging up, so they decided to just go ahead and charge me for this scam. Because this was for a reward program coming in on my cell phone# which I used for the Internet Cash Machine, I believe them to be connected as well. My bank will put my money back into the account, as I cancelled the transaction, unfortunately these idiots still got their money. Whoever this Internet Cash Machine is seems to be selling the information or has other branches they are filtering through.
I called them as well, and they said they are not a part of this, however Internet Cash Machine is the only online program I signed up for and gave my Visa Debit# to, and somehow my card information is getting circulated from my original transaction with these thieves. The phone number I called for this last scam had the information from the original program I was charged and refunded for $139.95, however would not give the company name or any information regarding this, or even a city. They said it was for the program I signed up for online. I also see where another Internet Cash Machine victim has filed a report for this $38.99 charge. I suggest anyone who signed up for Internet Cash Machine cancels their card so they do not get charged. Watch your accounts!!!
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