This all started several months ago. These people from Magazine Services (that's what they called themselves.) called and asked if I would be interested in purchasing some magazines. I thought what would be the harm in that. Little did I know that that wouldn't be the end of my hassle.
I gave them my debit card information (which deducts from my checking account) and was promised that I would get my magazines in a certain amount of time. Of course I didn't. To this date I have not received one magazine from these con artists. They keep on telling me that I will get them in so and so time and of course I HAVE NOT. I had the bank cut up my debit card once and get a replacement card.
In the beginning they would call me two or three times a day claiming that they were cut off and need to go over this tedious information again and again. Frankly I was getting tired of this. They call from different numbers trying to throw you off and keep you from figuring out where they are actually calling from (which I still don't know).
I got a piece of mail from Nadine Media located in Massena, NY telling me to make payment arrangements to my account. Earlier I got something from Magazine Services in Ft. Lauderdale, FL. When I had my debit card cut up the first time I got a threatening phone call from someone threatening to turn me into the credit agency if I didn't pay so and so amount. They also told me that my credit would be affected and went into a spiel about the consequences. I basically gave in (what else could I do?).
That's when I went to this girl that works at a Check into Cash location and she said that I was being ripped off. She called this guy that basically threatened me and basically told him that they need to leave me alone and that I have not been receiving these magazines. The guy was rude to her too as well (I think his name was Ryan.) After that they put the money back into my account.
I have basically tried to avoid these people but today they called and said that I need to get caught up and that they didn't have my updated credit card information on file. I gave them my information because I didn't want any trouble but I am going to see my friend at Check into Cash and see what else can be done about this.
I am getting tired of this. I work hard for my money and I am sure that these people at Nadine Media USA or whatever they call themselves haven't worked an honest day in their lives. They just sit there and try to think up ways to cheat you out of your money.
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.