As others have stated PayDay loans seem to be the reason for all the madness. The 2 Payday loan sites that I went to are: Unitedcashloans.com 500fastcash.com these sites Sold my Information to CrditPlusRewards.com and to Roadside Plus aka Medplus Rx. Both loans were done on Feb 18th 2006.
On March 3rd 2006 there was a debit from my bank account for $129.95. The name on the statement was Medtel. There was a phone number listed 1-800-975-5642, if you try to call this number you will get a looped recording that tells you that a customer care representitive will assist you in the order your call was recieved. You will be on hold indefinatly.
After one hour on "hold" the recorded message stopped and the phone began to ring. It rang and rang and rang! No person will EVER answer this line. I contacted my bank and they sent me a form to fill out so that I may get my money back.
On March 17th 2006 there was an Electronic check debited from my account for $21.95 for Roadside Plus and I called the number my bank Gave me 1-866-321-8235. I talked to a Woman who told me that her computer was down and there wasnt anything she could do for me at the time and i'd have to call back later. She got an attitude with me and hung up.
I decided to do some research online to check out this company and i found ripoffreport.com and I'm glad I did. I found that these 2 companies are tied in together. And that I'm not the only person thats been ripped off.
I tried calling roadside plus again to see if I could get the address of the company and I talked to Jessica (a name that I see in most of the reports on this site) she said that she could not give me that information, I asked her why not? and she put me on hold. When she came back she told me once again that she could not give out that information. She hung up on me.
I contacted my Bank and gave them all the information I had learned and my bank is sending me forms to fill to get me my money back.
I am now behind on my bills. My rent was late and had to pay extra for that. My car payment is late. My car Ins was almost rejected for nonpayment. I have almost no food in my house. All because I got some payday loans!
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.
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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.