I went online to try and get a small loan and when I got almost finished with the application after giving my information I decided I did not want to get the loan so I thought I canceled everything. Then when I went to my Bak and got a print out of December 2008 I started seeing withdrawls tht I did not make.
I went back into my bank and got the print out of the 4 checks that were cashed using fake checks that were in my name and the bank gave me phone numbers so I could call them and when I tried they just kept me onhold and after 5-10 minutes waiting a computer person came on and stated that all customer service people were very busy and to go online to give them my information on what I wanted.
I have tried to do that and I have had no luck at all.
I called Theft Protect Service and the lady there told me that I signed for this payday loan and I could no way get my money back to go and file a police report. She did give me a cancellation number but I told her that I did not get a loan and that I had canceled it before finishing the loan. She told me too bad no refund.
I had taken out all the money from my account on the 30th of December and left $4.34 in there and I called on the 31st to check my balance and another withdrawl had been taken out again and it made me over drawn and then I was charged a fee for that one.
I tried to talke to the bank and they said I had to file a report first and in all they have gotten over $200+ dollars and another time in November they got me for $170.00. This has got to stop because it is not fair to a person who is on diability and having a hard time to even pay her bills and people like tht just go and take your money for what?
That money was to pay for my monthly medicines that I need and to pay my rent and to eat for the month. Do they not have a concience? Is this what a person has to look forward to? I just want what is rightfully mine, thats all.
I only hope you can help me get back what was taken from me wrongfully.
The name of the person who took the last money out of my account is "USA Benefits Center 800-809-5986.12/31/08for $49.95 and on 12/16/2008 USA Beneifts(Starter Credit Direct) took out $99.00, the same company.Last Chance Cash Advance took $31.85 on 12/12/2008. Then I have two checks from Pay Day Loan Resource Center for the amt. of $17.93 twice-12/12/08&12/13/08. This is not right at all. Something really needs to be done to STOP this.
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