Just this past Wednesday, I recieved a phone call from my banks security division, informing me that they noticed my mac/visa being used more than usual. At first I was not overly alarmed since my birthday was this past monday and I treated myself to a few gifts.
What did alarm me though, was when the lady who called suggested that I verify for her all the recent charges and the company's that billed me. Aside from an unauthorized charge from Ancestry.com to the tune of $500.00 plus dollars that I did not make I was told that a company called New Healthy Ssvings billed me for $49.95 and had been doing so since February 2005 and that the only way I could stop them was to call them using the phone number the bank gave me.
I figured the safest thing for me to do would be to check out the company's website and refresh my memory as to who and what I was supposedly subscribing too! Not having a web address to go to I did the next best thing and did a search for the company by name. The first item on the list was this site and I got to read a posting by another unfortunate person to be taken by this company.
I called my bank immediately and gave them the web address for this site and told them what I had read and they are going to give all the information to the investigator that will be looking into the situation for me.
I was all ready to start calling this company and paying the long distance charges on top of what they have taken from me for a subscription I don't have, but thanks to all the people that have posted their experiences here I have been saved that expense.
I also have a new deep seated fear that if you e-mail them or call them they will use that to access your computers information and get the new account numbers you have. I would also not be surprised to see a charge for this company show up on the phone bill since music is one of the things cell phones are capable of receiving.
I do not intend to let this drop since I do not wish to see anyone else suffer what I and so many others have had to go through because of New Healthy Savings. The money taken can be replaced, but things like "Trust" and "Time" needed to fix the mess they created are not easily regained.
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.