• Report: #88339

Complaint Review: U-Talk Unlimited - American Values

  • Submitted: Tue, April 20, 2004
  • Updated: Tue, April 20, 2004

  • Reported By:Locust Grove Georgia
U-Talk Unlimited - American Values
2753 S. Highland Drive Suite 1004 Las Vegas, Nevada U.S.A.

U-Talk Unlimited - American Values - CPI ripoff unauthorized bank withdrawal These people are criminals. Las Vegas Nevada *EDitor's Suggestions on how to get your money back!

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Last fall I received a call from a company offering $200 in gas coupons for a one-time fee of $1.95. They said in return they would send a catalogue that I could order merchandise from - a portion of the proceeds to go to some charity (seem to remember it was National Kidney Foundation). They said I would have the gas vouchers in 2-4 business days, and that I could cancel at any time. After several days, when I had received no vouchers, I called the company to cancel. The number was a bogus number - put on indefinite hold and eventually cut off. I had asked and received a mailing address for the company as well, so I wrote them a letter explaining that I had not received the gas vouchers and wished to cancel. The $1.95 was never withdrawn from my account, and so I assumed the order was canceled.

This week I learned that U-Talk Unlimited and American Values had been making draws on my checking account monthly since December. In total, over $500 had been taken from my account. We called the company and told them that money was being taken from our account without authorization, and they hung up on us.

We have had to close our banking account, put a fraud alert on our account, stop all automatic bill debits, cancel our debit cards, etc. Our bank has reimbursed the last draw on our account ($60), but that is all they will cover. I have had to sign legal affidavits for each draw, so our bank can go after the company.

These people are criminals. We never received ANYTHING from them. I have never even heard of either company. The name given me by the telemarketer was somthing like "Dial America." In fact, I thought it was Dial America, which was why I agreed to the "deal" in the first place. This group operates under many pseudonyms.

Locust Grove, Georgia

EDitor's Suggestions on how to get your money back!


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 you 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!


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/comptroller 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.


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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...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.

Click here to read other Rip Off Reports on American Values

This report was posted on Ripoff Report on 04/20/2004 01:45 PM and is a permanent record located here: http://www.ripoffreport.com/r/U-Talk-Unlimited-American-Values/Las-Vegas-Nevada-89109/U-Talk-Unlimited-American-Values-CPI-ripoff-unauthorized-bank-withdrawal-These-people-88339. 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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