• Report: #244539

Complaint Review: USA CREDIT - USA Shopping Club

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  • Submitted: Wed, April 18, 2007
  • Updated: Wed, April 18, 2007

  • Reported By:West Monroe Louisiana
USA CREDIT - USA Shopping Club
1 Millenium Dr Uniontown, Pennsylvania U.S.A.

USA CREDIT - USA Shopping Club Unauthorized withdrawal from my checking account, Ripoffs, Dishonest Uniontown Pennsylvania *EDitor's Suggestions on how to get your money back into your bank account!

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Hello Everyone. I went online tonight after getting off work to check my bank account and low and behold what do I see. You guessed it a withdrawal on my account made today of 149.95 for usa credit not to mention another withdrawal from another company the previous day to whom I can not find out there name YET! I then decided to call my bank however they are closed at this hour. So I got back online and decided to research this company and how they received my bank info. I came across this website and was just in shock the whole time I am reading.

First of all, I just opened my checking account and received my first set of checks about 5 days ago. How they got my information is beyond me. I plan to call them tomorrow and if nothing becomes of it I will call my bank and if still nothing becomes of it I will file a police report.

The reason for me writing is that I found a whole lot of information about this company that I figured might come in handy. I am a good private eye since I am a Debt Collector myself and know all the websites to go to and search down anything.

This company has SEVERAL aliases and phone numbers. I believe the mailaing address, website, phone number and fax number I provided above - this is the information that they give on their website (which was not easy to find).

Aliases. USA Credit
Commonwealth Marketing Group
CMG Inc Great Escape Vacations
The Reservation Center
USA Platinum Gleaming White
USA Shopping Club
USA Emergency Roadside Assistance
(Source: BBB)

Phone Numbers: 724.437.3707
724.439.5080 724.439.5083
724.439.5390 724.439.5089
800.929.0979 800.795.8747
800.262.4192 800.862.4992
800.594.3993 800.634.6720
800.634.6729 800.576.2965
Fax: 724.430.2166 724.430.2898
(Source: BBB)

Also Found that the Vice President of Operations is: Kimberly Coddington

I feel the more information that we know about these people and this so called company will all help us overcome them. If I find out anymore I will definetly share.

I hope this information helps, heck, I hope it helps me sine it has not even been 24 hours since the charge is on my account as a "HOLD" not sure if they are going to turn it down (I hope) but if not I will have to go through this long process. Bad thing is I just submitted all my information to HR at work to have Direct Deposit switched over to this account. If this happens then they will surely make all my bills bounce. I hope I can get it straight and have my bank on alert that no one shall access my account unless by check or atm card from now on and hope that they can be on alert from now on.

Jennifer
West Monroe, Louisiana
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
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.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.

We are Consumer Advocates.
...the victims' advocate

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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 USA Credit

This report was posted on Ripoff Report on 04/18/2007 01:09 AM and is a permanent record located here: http://www.ripoffreport.com/r/USA-CREDIT-USA-Shopping-Club/Uniontown-Pennsylvania-15401/USA-CREDIT-USA-Shopping-Club-Unauthorized-withdrawal-from-my-checking-account-Ripoffs-244539. 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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