• Report: #47085


  • Submitted: Wed, February 26, 2003
  • Updated: Wed, February 26, 2003

  • Reported By:Westmont Illinois
PO BOX 41127 St. Petersburg, Florida U.S.A.

NACS Aka NATIONAL ASSOCIATION OF CREDIT SERVICES altered sales phone recordings unauthorized withdrawal from personal bank account Rip-off St. Petersburg Florida

*Consumer Suggestion: Can The Transaction

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A sales representative called my house and gave me information on how I can get a credit card with $200 deposit and it would go towards a good credit rating.

The sales representative took my account information and stated that the call was being recorded for security reasons. As she was repeating my account information and what type of card I was getting she stated that it wasn't a Master or Visa but a catalog merchandise card.

Just before she gave the ID number or confirmation number I interrupted her and asked if I could use this card at any retail stores she said NO, I could only shop through their catolog, so I declined.

I told her I didn't want the card, cancel and take all my information out of their system. The rep said "OK" and hung up the phone rather rudely.

Two weeks later there was a withdrawl from my account of $200.00. I called NACS customer service and told them I did not authorize this transaction, in response they played the recording back to me stating that I authorized for the withdrawl.

The recording had all of my account information but they cut the part out were I told the operator that I did not want the card.

I spoke to several people including supervisors and they told me that I could not get my money back. They made it seem like I was lying to them about what I told the sales representative.

They told me to write a letter to the Board of Directors headquarters and to top it off the supervisor hung up on me 2-3 times before I could get the address to file my complaint.

So at this point I am out of $200.00 dollars.

Westmont, Illinois

This report was posted on Ripoff Report on 02/26/2003 03:36 PM and is a permanent record located here: http://www.ripoffreport.com/r/NACS-Aka-NATIONAL-ASSOCIATION-OF-CREDIT-SERVICES/St-Petersburg-Florida-33743/NACS-Aka-NATIONAL-ASSOCIATION-OF-CREDIT-SERVICES-altered-sales-phone-recordings-unauthoriz-47085. 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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Updates & Rebuttals

#1 Consumer Suggestion

Can The Transaction

AUTHOR: John - (U.S.A.)

Contact your bank and have this ACH transaction cancelled. You actually have 60 days to do it under federal law but a speedy response is always better.

Make it VERY clear to your bank that you were defrauded. Since there is no signature involved the bank would have a very weak case. If they calam there's a recording of you authorizing it you can claim the recording was doctored. If the bank hems and haws at all just threaten legal action.

ACH fraud is becoming a big business and banks need to learn a hard lesson that voice recordings are virtually worthless in a dispute. There's simply no way to verify the recording is an accurate representation of the transaction. You cancelled at the very end which is legal. They omitted that in the recording which is illegal.

Let the bank take its lumps. Don't back down, you will win.
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