- Report: #259653
Report - Rebuttal - Arbitrate
Complaint Review: Travel Life Go Direct
Travel Life Go Directtravellifegodirect.com Largo, Florida U.S.A.
Travel LifeTravel Life Go Direct Got into my checking account without my authorization Largo Florida
They offered me a free trip to Florida and said they would mail me more information. If I decided I didn't want any of their services, I could call and cancel and would not be charged. They then began offering me other services. The first few services were free, but then she mentioned a service that would charge my account. I told her I didn't want it, she asked me to reconsider, and then I told her again that I didn't want it. She said thanks, and we hung up.
I never got an information package in the mail. Some weeks later, I saw a check withdrawal with a peculiar check number. A week after that, I saw another withdrawal in my account with another strange check number. I called my credit union to get the information about the withdrawal. They told me the money was withdrawn by Travel Life and they gave me the 800 number that was listed. The number didn't go through. I looked them up online, and the website that came up was Rip Off Report, with a story about Travel Life that is exactly like mine.
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 chargetruth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
demand tion E.
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 orm.
This report was posted on Ripoff Report on 07/09/2007 01:40 PM and is a permanent record located here: http://www.ripoffreport.com/r/Travel-Life-Go-Direct/Largo-Florida/Travel-LifeTravel-Life-Go-Direct-Got-into-my-checking-account-without-my-authorization-Lar-259653. 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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