I was contacted by a Mr. George Mclaw who said that he was from Visa Card Processing Center. He notified me just like many others that Since i had been turned down for credit before i was now elegible to receive an unsecured visa card in with a credit limit of $2,500. Because visa is such a repretable name I did not find it strange or a problem to provide my banking information to the young man to obtain the $299.00 activation fee requested to start the process of sending me the visa card. Mr. George Mclaw said to me that he would then have to have some one to contact me back from the authorization department as a means of "security". No problem I thought.
After they contacted me I had to verify my account information again, and they authorized the debit, which was authorized on February 9, 2005 and processed through.
One week after the authorization I called back because i have not seen my card in the mail. I called back and they then told me that it would be 15 business days after I the authorization before i can receive my card, these are the exact words that were explained to me. Ok I thought I can wait 15 days.
15 days later I received a packet in the mail, now when i called the first few times, and providing the authorization for my credit card to be sent to me they informed me about the packet but they told me that it would be in addition to the credit card, but that part of the conversation was not recorded.
So I spoke to a slew of people, first I spoke to Mike Johns a customer service representative, who might I add was very rude, then I spoke to John Gunn who was also rude, and lastly I spoke to Travis Rice, all of these men put me in to hear the recorded conversation of me "authorizing" my account to be debited. I explained to them that when I authorized my account to be debited it was for a Visa Credit Card not a bunch of coupons.
At that time I requested to speak to a manager, none of them "spoke to customers" what kind of place is this when a person in authority does not speak to customers? He said that the managers names are Liz Thomas and Mark Kenedy, and Antwan Green. Antoine was supposed to call me back but he did not even though he said that he did.
After talking to "Travis Rice" if this is any of their real names, he told me that he worked for a company called Customer Service International, stationed in Quebec Canada, when I asked for his address he told me that "personally, he did not feel that I had a reason or a right to know that address where they are doing business"?!
What I thought, you have my money and I can't have your address to file a complaint? He said to me in a rude voice, I dont have your money peoples rebate association has your money, you can write them a letter if you want to.
After I sit there for a minute trying to get a little sympathy out of these blood suckers, there was none so I asked have you ever heard of George McLaw, he said that he has, but everyone else has not. I said well do you know how to get in contact with him and he said No, hes in the sales department. So I asked where is the sales department, and he said I don't know. I asked him can you ask your supervisor where it is then, he placed me on hold and said unfortunately they don't know either.
I said you know what I need to speak to a supervisor, no one would come to the phone he said, because they do not speak to customers. So I asked him how do I get my money back and he said well you have to send the packet back but we can't issue the refund without the yellow envelope. I said well when will I get the yellow envelope he said about two weeks after you received the packet. Now mind you on the packet on the cover letter it said that you only have 10 business days to send it back, no I'm not waiting I'm sending it back today. and when I get the yellow envelope I'll send that back to I won't even open it.
But first I will take photo copies of every thing that was sent to me by this frauduelent company and contact the FBI, and FCC, and who ever else I need to contact. Some one needs to do something this needs to be stopped.
O yeah not to be religious but I know that God does not like ugly and what ever you sow you will also reap. I pray and I know that every thing that they are doing is going to come back to them on a much higher level. The company and everyone involved!
I would like to say I have learned a lot from this website, like to contact my bank, I was all prepared to lose my money but now I know that i can fight this and I will. I hope that we can get another news story or something, that we can locate who ever owns that P.O. Box number, find this customer service international place, or something. THIS NEEDS TO BE STOPPED! No one has the right to take the money that you have worked so hard for.
Man when it comes back to them I hope it comes back and bites them HARD!!!
Thanks Rip Off Report I will take your advice and fight this thing.
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
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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. Click here to see Rip-off Reports filed where consumers say thank you Rip-off Report & badbusinessbureau.com, that we saved them money. Not included are the thousands of thank you e-mails we get every week.