- Report: #274510
Report - Rebuttal - Arbitrate
Complaint Review: USA Credit
USA CreditOne Millineum Drive Uniontown, Pennsylvania U.S.A.
USA Credit - USA Shopping Club $149.995 Withdrawn from my Savings Account! Uniontown Pennsylvania *EDitor's Suggestions on how to get your money back into your bank account!
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The company USA Credit also known as USA Shopping Club is scamming at it's best!
This company recently withdrew $149.95 from my savings account without any form of authorization.
I have never spoken to anyone at USA Credit/USA Shopping Club, nor have I ever applied to their site or even inquired about any type of membership or association with this company.
I feel for those who actually, knowingly sign up for a membership and get screwed out of their $. But, their are a lot of us who haven't even heard of USA Credit/USA Shopping Club until it shows up on our bank statements!
I have narrowed it down to a couple of possibilities of sites I have visited where I had used personal banking information (including my savings acct. number) that may be associated with USA Credit/USA Shopping Club. After re-visiting these sites I found on a "terms and conditions" agreement for that site hidden all the way at the bottom of the page a tiny box in the bottom right corner of the page that was checked.
As I looked closely, in very small, very light text it exclaimed an acceptance of "terms and conditions" for membership to USA Shopping Club. By agreeing to the "terms and conditions" of the site I intended to use, I was also being entered into an agreement with them, without my knowledge.
Contacting the company is a dead end. They have no record of any fraudulent debits or illegal conduct. Because "you agreed" or "you applied". By not reading the fine, almost invisible text, hidden at the bottom of a web page, they can make these statements true!
This is a very shady business practice and people are are scammed out of their money all day every day by this type of con. I have read several reports on this site from others who have been scammed, and some from those defending USA Credit! This company may run a legitimate business upfront, but in back, they are scamming people across America out of thousands!
I am currently going through the motions with my bank to have the charge credited back to my account and using some of the reports posted on Ripoff.com as further evidence as to the type of business this company practices.
I will not rest until I get my money back, my accounts will be changed and never used on-line again. The Internet is a marvelous thing for everyone, unfortunately, including scam artists.
So beware when "agreeing" to anything on-line. Make sure you read the entire page for hidden text or "checked boxes". It can cost you your hard earned money and a major headache!
My advice after getting your money back; is to join myself and others in reporting USA Credit/USA Shopping Club to the BBB as well.
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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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 09/13/2007 02:22 PM and is a permanent record located here: http://www.ripoffreport.com/r/USA-Credit/Uniontown-Pennsylvania-15401/USA-Credit-USA-Shopping-Club-149995-Withdrawn-from-my-Savings-Account-Uniontown-Penns-274510. 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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