I received an email for a credit card. As I will filling it out it said that they needed my checking account number for verification but that there would not be a charge. At the very end, after I hit submit, at the bottom of the page, it said there would be 99.00 automatically withdrawn from my account for a one time processing fee. I couldn't believe that they had done that. I started calling my 1-800 number to see if they had taken it out of my account.
That was last Saturday. This morning I woke up and call to see what my balance was in my account. I was upset to find out that they had taken the money from my account today. I called my bank and explained what had happen and that I didn't authorize the money to be taken out of my account. My bank filed a dispute against Next Millennium and said that the money would be put back into my account. But the money could be taken back out if Next Millennium had proof ( which, I guess could be small print) that I did authorize the transaction.
My bank representative she that I should look at the history on my computer and try to contact Next Millennium. I have no idea how to do that. So, when I got home, I put Next Millennium Credit Card in to Google search. The first thing to pull up was this web site stating the Next Millennium Credit Card was a scam. I immediately called my bank representative and told her what I found and she was able to get on the internet and was able to see it for herself.
She pointed out that there was a phone number (732-729-4395). I then called and got a hold of a representative for Next Millennium. I advised this lady that I had money taken from my account and that my bank was disputing the withdraw. I told her I didn't want them giving my information out to anyone, didn't want any more money taken out of my account and that I wanted her to remove my information from there system.
Now I have to way to see what will happen with the dispute. Also after reading thought other report filed, I'm afraid that more money could be taken without my permission. Good luck to everyone else that is facing this same thing and know that you are not alone.
Piedmont, West Virginia
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
Author of www.ripoffrevenge.com
PO Box 310, Tempe, Arizona 85280 CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information. Click here to read other Rip Off Reports on New Millennium Bank