• Report: #720749

Complaint Review: Top Tier Savings

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  • Submitted: Fri, April 22, 2011
  • Updated: Fri, May 13, 2011

  • Reported By: John Collins — Monroe Michigan United States of America
Top Tier Savings
Internet United States of America

Top Tier Savings taking money out of my savings account without my approval Internet *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

*UPDATE Employee: Top Tier Savings is an independent advertiser and is not associated with ameriloan.com

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i have noticed on my savings accouont statement that i am getting a monthly debit froom toptiersavings.com.  I did not approve a withdrawl from this company.  I wish for it to be stopped.

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 RipoffReport.com Author of www.ripoffrevenge.com

Rip-off Report PO Box 310, Tempe, Arizona 85280

This report was posted on Ripoff Report on 04/22/2011 08:31 AM and is a permanent record located here: http://www.ripoffreport.com/r/Top-Tier-Savings/internet/Top-Tier-Savings-taking-money-out-of-my-savings-account-without-my-approval-Internet-EDi-720749. 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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Updates & Rebuttals

#1 UPDATE Employee

Top Tier Savings is an independent advertiser and is not associated with ameriloan.com

AUTHOR: Top Tier Savings - (United States of America)

Up on completion of your cash advance application, agreeing to your loan details and providing your
eSignature to complete the process, the Top Tier Savings offer is prominently displayed on an exit page under the heading Visit Our Featured Advertiser. Immediately under the heading in bold the following text is displayed. Beneath that the details of the price and offer are clearly and conspicuously displayed along with a link to Terms & Conditions for additional details.

In order to apply for Top Tier Savings you must take two affirmative actions. First you must click Yes that you want the offer and then you must click Submit in order to submit your
information to ameriloan.com for processing.

Your welcome email includes your offer details, your authorization and easy to follow information for cancelling by phone and or email should you wish to discontinue the service.  Additionally, your billing statement each month provides our 800 number for your convenience.

All requests for refunds are handled promptly.

 
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