• Report: #136695

Complaint Review: USA Platinum - USA Credit And USA Shopping Club - Commonwealth Marketing Group, Inc.

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  • Submitted: Tue, March 29, 2005
  • Updated: Tue, March 29, 2005

  • Reported By:Staten Island New York
USA Platinum - USA Credit And USA Shopping Club - Commonwealth Marketing Group, Inc.
One Millennium Drive Uniontown, PA 15401 Uniontown, Pennsylvania U.S.A.

USA Platinum - USA Credit And USA Shopping Club - Commonwealth Marketing Group, Inc. ripoff, refused to credit my money back to my account after I asked to cancel, they would not cancel my membership. I Was Charged A Flat Fee Of $79.95, And Not What They Claim. Pennsylvania *EDitor's suggestion on how to get your money back for fraudulent charges to your bank account!

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I cannot recall how they got my information but they solicited an offer for a USA Platinum card with a credit limit of $7,500.00. When I saw a charage in my account in the amount of $79.95, I immediately called and questioned what the charge was for. They stated it was a one time fee for membership into their online shopping club where I could purchase any items I wanted or needed towards the credit line.

They never mentioned a fee on their site or otherwise in their offer of a fee for $79.95. I went online and checked their site and all the items they had required immediate additional payment fee from another source and not their credit card.

When I called to complain about that and requested my money reimbursed, they proceeded to tell me that merchandised waas being added and more availability was growing. They recommended that I give them another chance and if I was still not satisfied, they would reimburse me the fee. Instead I got a USA Platinum Card with my name, and member since 2004. No phone numbers, web address, no company contact number is listed. The number I had called them on was issued by my bank as the number listed for the charge.

When I went to the site again, entered my information, etc. the site stated that they had no such person, account number, etc. on record. Therefore, I paid $79.95, and got nothing but a plastic card for it. I went on other sites and find that there are many, many people who have experience somewhat the same problems. Also, nothingwithstanding the above, USA Platinum is still soliciting innocent people on various credit card sites for the same scheme offering an unsecured credit line of $7,500.00, and no monthly fee.

Please, please stop this Rip Off scheme before it hurts anyone else. Also, I would be more than hapy to get into a Class Action Law Suit to recoup my money. I still have my card as evidence, and I can go through my records to obtain the charges made on my account.

Please advise what the outcome and status will be. Thank you for your help and assistance with scam artists like these who prey on innocent people under the guise of legitimate businesses. Thank you once again.

Ermalinda
Staten Island, New York
U.S.A.


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 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!

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/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.

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!

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

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

Click here to read other Rip Off Reports on USA Platinum

CLICK HERE to read about Credit Card Scams... find out how to get your money back. Consumer makes harsh but accurate statements. *Rip-off Report Investigation follow-up provides valuable information.

This report was posted on Ripoff Report on 03/29/2005 12:31 AM and is a permanent record located here: http://www.ripoffreport.com/r/USA-Platinum-USA-Credit-And-USA-Shopping-Club-Commonwealth-Marketing-Group-Inc/Uniontown-Pennsylvania-15401/USA-Platinum-USA-Credit-And-USA-Shopping-Club-Commonwealth-Marketing-Group-Inc-ripof-136695. 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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