- Report: #399361
Report - Rebuttal - Arbitrate
Complaint Review: MagicJack
MagicJackmagicjack.com Internet U.S.A.
MagicJack, magicjack.com Product didn't work, charged my bank card without my permission! Internet
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I did this several days and then would give up and then chat some more to try to fix it. I was on the chat, usually, for hours at a time while I was passed from one person to another to another to another. It was so frustrating that I wanted to scream, but I kept politely patient in hopes that someone would soon fix the problem so that I could use this thing.
Finally, the last time I tried this 'chat help', after almost a month of having a non-working magicjack, I went on a chat to try again to fix it that lasted over 3 hours! I finally ended up with a supervisor who said that I could send it back and they would send me a new one..... Then he went on to inform me that he had just charged my credit card AGAIN!!!! TOTALLY WITHOUT MY PERMISSION!!!! According to him, they had to charge me until they got the old one back!
Needless to say, I went nuts! After all, I use that bank account for my bills and there is only enough in there at one time for just the bills that I owe, and this would cause my account to be overdrawn!! I lost it ... telling him how dare he take money from my account WITHOUT MY PERMISSION!!!!
He said that I shouldn't worry because the charge went through fine... yes, of course it did!!!... the money that was in there was for my house payment, that would be going through that night... that would be sure, now, to bounce!!! Good grief!! How could a company be this dishonest??? Putting a charge through my bank and then telling me that they did it???
Well, I told him that he better reverse it right that minute or I would be calling my lawyer the next day...Trust me folks, this is a sneaky, dishonest company. Check your bank account if you have dealt with them, and don't be fooled by their cute little commercials.
I am now out almost $50.00 and still no phone service.....By the way, don't try booting your computer up with the magic jack plugged into it. My computer kept trying to boot from it and so I had to stop it and unplug it every time I shut down.
I will be letting the BBB know tomorrow what they did and I will call my lawyer also. I hate companies that are dishonest, just like you do.
*EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!
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.
This report was posted on Ripoff Report on 12/08/2008 07:20 PM and is a permanent record located here: http://www.ripoffreport.com/r/MagicJack/internet/MagicJack-magicjackcom-Product-didnt-work-charged-my-bank-card-without-my-permission-399361. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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