- Report: #424795
Report - Rebuttal - Arbitrate
Complaint Review: Privacy Matters
Privacy MattersP.O. Box 5152, Des Plaines, Illinois U.S.A.
Privacy Matters hijacked my bank card number and withdrew money for a membership not ordered. Des Plaines Illinois
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I discovered on my bank account a withdrawl for $29.95 from a soucre I did not know. When I called the number, a woman named "Tee" answered. Her ID number is 19756. I asked what is the company and she would not give me an answer until I gave her my name and "pin" number. She actually demanded a lot of personal information from me.
I repeatedly asked her who she was, who with, what did they sell, etc., only to be asked more information about me! I had no "pin" number and I explained I didn't know anything about this transaction. She put me on hold for several minutes. She returned to the phone telling me she had no information on me whatsoever. Clearly they had my banking information.
AFter that, I was furious. WHO are you? over and over. Finally, under the threat that I would notify the FBI, she told me they were a "membership organization for privacy issues". What privacy issues? She then told me the money was taken out for a "free" credit report. I told her I never requested a credit report from anyone. She argued with me that either myself or someone else requested it. I repeatedly told her "no". I was becoming very angry and frustrated.
I asked her if this was "free", why was I charged? She told me it was past the timeline for a "free" request, so I was charged. Again, I told her that if they did not refund the money I would notify the FBI. She told me they would refund me, and this was followed with an email stating they would refund.
South Bend, Indiana
*EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!
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.
This report was posted on Ripoff Report on 02/16/2009 04:52 PM and is a permanent record located here: http://www.ripoffreport.com/r/Privacy-Matters/Des-Plaines-Illinois-60017-5152/Privacy-Matters-hijacked-my-bank-card-number-and-withdrew-money-for-a-membership-not-order-424795. 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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