- Report: #225469
Report - Rebuttal - Arbitrate
Complaint Review: Suntasia, Travel Agents Go Direct, Prism, Floridaway
Suntasia, Travel Agents Go Direct, Prism, Floridaway11125 Park Blvd., Suite 104-364 Seminole, Florida U.S.A.
Sun, Travel Agents Go Direct, Prism, FloridawaySuntasia, This company commited fraudulent, unauthorized transactions to my bank account Seminole Florida *EDitor's Suggestions on how to get your money back into your bank account!
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Upon getting off the phone I decided to check out the information that I was given. It was then the I came across a few sites, one of them at ripoffreport.com, and realized that it was a scam.
I called the company back to try to cancel, was given the run around and was told to wait until my package to get the information to cancel. Upon this call, I immediately went down to my branch and informed them of the situation. It was explained to me that I could not completely close my account because there were still transactions pending. The branch manager informed my husband and I that the account would be changed to a penny-pay status to allow those four transactions to clear. We opened a new account. I left the bank with the feeling that I had taken care of the situation to prevent my account from being charged without my consent.
I did receive a package from Travel Agent Go Direct and I did call them to cancel as a precautionary measure and to do the right thing according to their instructions. I asked the phone operator if this cancelled the whole offer discussed over the phone, all of it, and was told that my call took care of it. I called back and talked to a different operator to make sure the account was closed.
It was not until 11/05/2006 that I received the first of many NSF letters informing me of an overdraft on my account. I went down to the bank and talked with the same bank manager. We tracked down the problem to a charge of $149.00, but there was not tracking information attached to the transaction to find out who the charge came from.
She closed my old account completely and began the process of filing a fraud claim. I went home to try to track down the source of the charge. That night when going through the mail I found a package from Floridaway Vacations and Prism. They both had a limited time trial offer, upon the expiration of I would be charged. The Floridaway offer was the one that charged me the $149.00.
I immediately called the company and inquired on the charges. I was told that I had neglected to call in time to cancel. I informed them that I had not received the information in time to call, they told me that there was nothing they could do to fix the situation. I insisted that they cancel my account and declined all offers to keep the vacation package (which had several additional charges attached) and the gas vouchers they were going to send me. I was given a cancel code. I was told by the operator that Prism was about to post a charge to my account the next morning and was given a number to cancel.
I preceded to call Prism and cancel, I was also given a cancel code. Here I am now with a charge to an account that should have never been accessed and was never authorized. I went down to the bank immediately when this happened to make sure that fraud would not be committed against me, but unfortunately some how, this company was allowed to access my new account when the only account information they had was my old one.
I am now fighting with the bank. NEVER GIVE OUT ANY INFORMATION OVER THE PHONE!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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!
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This report was posted on Ripoff Report on 12/14/2006 07:58 PM and is a permanent record located here: http://www.ripoffreport.com/r/Suntasia-Travel-Agents-Go-Direct-Prism-Floridaway/Seminole-Florida-33772-4700/Sun-Travel-Agents-Go-Direct-Prism-FloridawaySuntasia-This-company-commited-fraudulent-225469. 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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