After recently going through a divorce. I had been looking for a cell phone and a calling plan that would fit my budget and to also have for security reasons in case that I would break down on my way to work.
This is when I cam across the Liberty Wireless advertisement on the internet. So on Nov. 24th I placed an order giving my routing # and Acct# with my bank to pay for my order. They told me that I would receive my order Nov.30th and could check the status of my order by going to www.whereismyorder.com
On Dec.2nd when I did not receive my order I went online to check the status. They told me that they were in the process of receiving the funds from my account. THIS WAS A LIE! I check with the bank and the 29th they has withdrew the funds. A $191.67 to be exact. They drew on it twice. One being $95.61 & $96.06 Then I email them to find out what the charges were for?
This is when I also came across Rip-Off and started reading as to what has happen to other people and decided that it would be to my best interest to cancel my oder. The 12/2/04 I received a conf. that my orerd had been cancelled and there would be no charges made to my account( Which had already been done). That the amount would be back in my account 24 to 48 hours,
On 12/7/04 they e-mailed me in reference to my question as to why I was being charged twice and they said that it was for activity on my Liberty Wireless account. How could have there been activity when I had not even received my phone and had no phone #
Once again I tried to contact someone to get some answers and when I finally got to speak to a live person she told me that they were hired by Liberty Wireless as a 3rd party and she could not contact them directly but gave me a fax# to reach the billing dept.
I faxed them asking them that they reutn my money to my account or that I would be getting in touch with the Better Business Bureau.And that I could prove that I was not the only person that they had rip-off but there were several others. And that I would like for them to have their manager to call me Since I could not get in touch with him.
But to no avail! I have heard nothing and I still do not have my money back in my account! This has been a GREAT learning experience and a lesson well learned. A pre-paid phone from Wal-Mart would have been a lot cheaper and I would not now be in the financial bind that I have now aquired by Liberty Wireless. There has got to be a way to stop these people before they rip-off anymore people.
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.