I opened the website of my internet personal account www.bankofamerica.com. one page was appeared stating that if you do a survey for BOA, you can claim the prize. I answered a few questions, a write up has come stating that you have won a Geneva watch, worth of 1 $ and for shipping you have to pay 4.99$. I have accepted the offer and given my debit card details, which was immediately debited from my account.
After 6 days, I was delivered the watch and an amount of 88.99$ was again debited from my account.
Immediately I reported it to my banker, he advised me to wait till it is getting processed. I contacted Geneva watch Customer service and explained my agony. He advised me to send an e-mail to Geneva Customer service. I sent an e-mail as given below:
"Please cancel my order and refund 88$ and 99 cents debited from my BOA
account. I read your document, stating the cost of the watch is only 1
$ and shipping cost is 4.99 $, after doing the survey of Bank of
America, on internet.The watch was delivered with the invoice of 1 $
only, it is to my surprise that a sum of 88.99 $ has been debited from
my account, without my consent and proper document. It was never
mentioned on the document shown to me, while ordering the watch, that it
is only for trial purpose and I will be charged 88.99 $.
treat it as canceled and arrange the pick up of the watch from my
After 3 days( that is today 12 Feb 2010) I got the response as given below and the amount was not refunded to me:
EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
We sincerely apologize if there is any confusion regarding the
nature of the risk free trial membership which you signed up for. Please
note that you were charged $88.98 because you did not cancel your
subscription within the allowed risk free trial period, as stated in our
terms and conditions. As is explained on our web page from which you
initially ordered the product ,
you have a trial period to determine whether or not you wish to remain a
subscriber to our monthly Value Auto-Ship program. Had you canceled
your account during this time period, you would not have received any
further charges or shipments. However, since your account is currently
active and your risk free trial period has ended per our terms and
conditions, you were billed for the monthly supply.
In an effort to ensure that our customers understand the exact nature
of the trial membership program, we have listed these terms twice on
our order page, and require that you check a box stating that you have
read and agree to our terms and conditions. This agreement is necessary
for the system to even be able to process your order.
Please note that your account is now in a state of cancellation,
which means you will not receive any future charges or shipments of the
I immediately ( today i.e 12 Feb 2010) responded that the page, I signed up was not having any word like trial period / 14 days or any such type of words, prior to making the payment. and again requested to refund the amount 88.99$ debited from my account.
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