On December 23, a telemarketer called me and told me that i had been selected to recieve 200$ in gas vouchers, which i still have not recieved, they told me they needed to verify that i had a checking account so that i would be able to pay the 3.95$ shipping charges, i very reluctantly gave my information to them as they made me listen to a recorded message saying something about 119.90$ charge for buyers union and Call One, which the telemarketers never mentioned to me, after asking them what that was, they said that it did not pertain to me, and assured me many times that my account would not be charged, and that i would have 30 days in order to cancel this Call One and Buyers Union before anything would be charged.
So reluctantly again i proceeded knowing i was probably being ripped off, but thinking that the worst that would happen is that i would have to call and cancel everything. I was wrong. Within a day of that conversation, i was charged 119.90 and twice charged the 3.95, money that i did not have, so the electronic checks were returned, and i was charged 66$ by the bank in overdraft fees, upon learning of this, i called the company and told them that they had misinformed me and i wanted to cancel everything, and after arguing with them for a while, i was told that all my memberships would be cancelled and i would be mailed a refund request form to get back the money i lost in overdraft fees.
Thinking that i had taken care of everything, and that i had only lost 66$ that would be refunded in a few weeks time, i went about my business as usual, only to find out that they had again charged me the 119.90 after i cancelled and was told that i would not be charged anything again. i have called the bank and they say they cannot reverse the charges, even though they are fraudulant, because i provided information over the phone, and legally that is authorization for them to charge me whatever they want to.
So now i have lost several hundred dollars from their charges and from overdraft fees as well, because i have spent money not knowing that they had taken all the money out of my account, as of now the bank will not even waive the overdraft fees, and i have just had to close my account and open up a new one, that has no money in it, and wont until i get paid again in two weeks.
i read on one of the other reports that someone was interested in filing a class action law suit against these companies, i would love to do that, im just not sure how i would go about doing that, but i would love to help in any effort to stop these people, and other scam artists as well. I just need to know what exactly i can do, because right now, because of these people, i dont have any money at all.
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 you 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/comptroller 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.