My husband applied with an online payday loan company. It said he was approved to get $300. Then they sent him an email telling him that he needed to fax a copy of his ss card because they had trouble verifying his info. So he did that & they said he coulnt get the loan. That was on the 20th of this month, Dec.
On the 29th, we had a charge of 21.95 for a check. When I pulled up an image of this electronic check, it was dated the 23rd of dec. It has a box on it saying to call 1 866 898 2437 for customer service. I spoke to my husband who was at work & explained what that charge was for because he didnt know what it was either. He said he never applied for any roadside program because we have roadside with our insurance.
I called the number lised & they wanted my last name & bank acct number so they could pull up the account. So I did so & she said that it was under my husbands name & I said that I knew that & that he did not apply for this. She was quite short with me & put me on hold for a minute. She came back & said there was an application that he filled out & he did it on the 21st & would I like her to send it to us? Of course I said yes. Then she asked if I wanted to cancel the service & I said most definately yes. So she supposedly did this & she gave me a conformation number. I said he didnt even ask for this & she said they had to speak to him because it was under his name. I said well I will 3way call with him, she said hold on a minute & evidentally she just hung up.
So I got my husband on the phone & then called this number again with my husband on the phone. I said nothing & my husband did all the talking. He went through basically the same as what I did but they did not ask him for our bank acct number. She got very short & said she didnt know what he applied for or when. Then I spoke & tried to say that the previous person said that it was applied for on dec 21. But when she heard 2 people on the phone she got very angry & started yelling & said they dont give refunds or phone calls with 2 people. She totally talked over us & my husband was saying I didnt apply for this but she said the service was good till the end of the month so enjoy it, then she hung up on us.
I called her back & simply asked for the supervisor's name & the company address & they refused to give it to me & then she said oh, you are the crazy person that has called twice before. I could not believe that she just slandered me. I got very upset, they were laughing & saying stuff in the background. All I could hear was them calling me an a*****e! They hung up agian & simply said supervisors name & the address, she transfered me & I asked the next person & she very politely said I can help you with that. Then she said it was Santa h*o. She started saying all kinds of crap & laughing at me then she told me happy new year & that she was instructing all the operators to just hang up on me when I call.
Then I get curious & went online to see if I could find the company name & address, I found numerous complaints about them & all the names they use. They also have another address at 334 Cornelia St Ste 526 in Pittsburg Ny with the same 866 phone number. I cannot believe what they did to me in addition to stealing money from us. When I told her that she just got a slander suit against her for calling me those names, she said, bring it on b***h! I am positive that the 10 dollar payday loan is where this came from. I am so upset that they now have every bit of my husbands information down to his drivers license #, his mothers maiden name, ss card, our banking info & basically his entire identity. My husband drives truck for a living & this could effect us in a way I dont even want to think of. They have his drivers license info! We just wanted a few extra bucks for xmas to finnish our 4 kids up. I just cant believe that in the 4 years that I have been online, something like this could happen to us. I am the safest person online, I never open emails that I dont know about, I never fill out forms that I do not look over first, I never click on anything I am not sure of first. I would have never went any further on that application that he filled out when I saw it asked for my mothers maiden name. There is not way they can verify my husbands work & bank info with his mother's name.
We plan of talking to our attorney about this & taking them to court for whatever I can get out of them & I urge those victims of this scam to do the same. Of course we didnt get anywhere with our bank either, they said it wasnt there error & they couldnt do anything about it.
Please, beware of this scam, & be safe online. I hate for anyone else to be affected by this company. We have already stopped my husband's direct deposit & plan on changing banks immediately.
Good luck to 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 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. STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, it's paid for!