• Report: #758737

Complaint Review: National Platinum Shopping

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  • Submitted: Sun, July 31, 2011
  • Updated: Sun, July 31, 2011

  • Reported By: D. — Cantonment Florida United States of America
National Platinum Shopping
Internet United States of America

National Platinum Shopping National Platinum Shopping stole $99.95 from my checking acct without my authorization. Internet *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

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I dont know how this even happened but a company called National Platinum Shopping stole $99.95 out of my checking acct without my authorization. The only thing I had been doing online was trying to get a payday loan. They had to have gotten my info thru this way. I am on Social Security Disability so my income is very fixed and i needed that money desparately. I got the phone number to this company from my bank when I called them due to my debit card being declined at the grocery store.When I called National Platinum Shopping I got very upset and began to cry because they were very rude and talking to me in circles.

I had never even seen their site on the computer and had never gotten an e-mail from them. I didnt even know what they were. They told me something about a $10,000 cr .'edit limit with them. I never really understood but they refused to refund my money and in so many words they told me I was out of luck that it wasnt happening. These people prey on people like me and I told them so. I dont see how what they did could be legal. They need to be sued. I cant believe they are doing this to their fellow Americans. They are thieves and robbers and I think they should pay for what they have done to me.Not only do they owe me 100.00 but also all the money that the caused me to lose in overdrafts

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 RipoffReport.com Author of www.ripoffrevenge.com

Rip-off Report PO Box 310, Tempe, Arizona 85280

This report was posted on Ripoff Report on 07/31/2011 01:23 AM and is a permanent record located here: http://www.ripoffreport.com/r/National-Platinum-Shopping/internet/National-Platinum-Shopping-National-Platinum-Shopping-stole-9995-from-my-checking-acct-758737. 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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