• Report: #389980

Complaint Review: NATIONAL SMALL BUSINESS ALLIANCE

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  • Submitted: Tue, November 11, 2008
  • Updated: Wed, March 17, 2010

  • Reported By:Mt.Morris Illinois
NATIONAL SMALL BUSINESS ALLIANCE
601 PENNSYLVANIA AVENUE NW,SUITE 900 WASHINGTON, Washington DC U.S.A.

NATIONAL SMALL BUSINESS ALLIANCE DEBITED HUNDREDS FROM MY BUSINESS CHECKING ACCOUNT WITHOUT EVER SENDING MEMBERSHIP PORTFOLIO WASHINGTON Washington DC *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you!

*Consumer Comment: Federal Reserve rules-no signature checks

*Consumer Comment: Truth about the Editor's comments and regulation E

*UPDATE Employee: True Facts About the National Small Business Alliance

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NSBA or National Small Business Alliance has not refunded any of my money that they debited from my business checking account back in May.They promised to return my money withen 30 days of receipt of my membership kit that I never received.I had also been promised gas vouchers.

I've called almost every month since & still no refund.They claim they have no money yet are able to keep up their facade to dupe more hapless small businesses!I'm having difficulties paying my phone bills,etc.,but they're able to keep their phones active.

Their founder & CEO Dennis Mario has promised online to take care of unsatisfied customers ,and I wish he would give me all the money he stole from my business without ever giving me anything in return.All toll its over $500 dollars!

Wizarb
Mt.Morris, Illinois
U.S.A.

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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

www.ripoffreport.com

A Worldwide Consumer Reporting News Agency
...by consumers, for consumers

This report was posted on Ripoff Report on 11/11/2008 02:19 AM and is a permanent record located here: http://www.ripoffreport.com/r/NATIONAL-SMALL-BUSINESS-ALLIANCE/WASHINGTON-Washington-DC-20004/NATIONAL-SMALL-BUSINESS-ALLIANCE-DEBITED-HUNDREDS-FROM-MY-BUSINESS-CHECKING-ACCOUNT-WITHOU-389980. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Federal Reserve rules-no signature checks

AUTHOR: Pat - (United States of America)

Here is how National Small Business Alliance deal works. They promise you a service for a dollar and have you pay the dollar via a tele-check. That is a paper check that is created using the routing number and account number that the consumer gives them. No signature is required. They then deposit the check at their bank.  They then start creating additional checks, 149.95 and 359.95 using the account and routing numbers collected. If it is not an electronic check process used, but rather a paper check without a real signature, the editors comments concerning rule E do not apply. It is not the responsibility of the consumers bank to rectify this fraud. It is the bank that the National Small Business Alliance presents the check to. The federal reserve has regulations that state that it is the depository banks responsibility to refund monies to consumers on no signature paper checks. Basically the Federal Reserve decided that banks should know their own business customers and should be held accountable for the actions of these customers.

So if you cannot get a refund from the National Small Business Alliance, find out which bank was used by the Alliance to cash that check and contact them. Tell them that their business customer engaged in a unauthorized transaction and that regulation J of the federal reserve requires that they refund the money to you. For more info check out this website http://www.federalreserve.gov/boarddocs/press/bcreg/2005/20051121/attachment.pdf. Scroll to the bottom of the PDF doc to get the final ruling.
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#2 Consumer Comment

Truth about the Editor's comments and regulation E

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

The editor is incorrect about the Bank's liability in refunding your money. If the charge was done electronically, and you did NOT authorize it, then yes, the Bank is required to refund your money if you report it within the correct timeframe (60 days).

HOWEVER, if the charge was done as a draft (this is a paper item that clears your account, it looks like a check but does not contain your signature), then the Bank is NOT liable if that draft contains your name as the maker. In other words, the Bank has proof that you did authorize the charge and the Bank is NOT going to refund your money. Since it's not an electronic charge this does not fall under regulation E.

So, before you go screaming at your Bank and threatening to go to the media, remember this, if you authorized a company to debit your account and you didn't get what you wanted that's just too bad. The Bank isn't responsible for your misfortune or stupidity for giving out your bank account information, only you are.

How do I know this? I work for a Bank in the fraud department and have a legal team that has defended our Bank against this exact claim by customers on numerous occasions. Basic rule is this: if you give out your account information the Bank isn't liable for what happens to your account. If you are concerned about a transaction your best bet is to use a VISA or MasterCard, because they have dispute resolutions that Bank accounts do not.
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#3 UPDATE Employee

True Facts About the National Small Business Alliance

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

I am a current employee with the company that does the sales telemarketing for the NSBA and I can tell you that everything everyone has said is true about this company. Personally, I do not lie to any prospective clients, but I have heard numerous people lie to people on the phone and have received numerous complaints from clients that they cannot contact customer service. I would be more than happy to talk to any media or legal personnel that are investigating this company as long as my identity is kept anonymous as I need the job until I find something else. Please respond to this with an email address or phone number for me to contact if you want more information.
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