- Report: #610143
Report - Rebuttal - Arbitrate
Complaint Review: ICM Internet Cash Machine
ICM Internet Cash Machine12210 Brighton Road Lake Forrest, California United States of America
ICM Internet Cash Machine ICM Websites This company refuses to refund any charges that I did not authorize Lake Forrest, California *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!
*UPDATE Employee: Please contact customer service 1-877-863-3088, ext 144 and ask for Jennifer for a refund.
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On 6/2/10 I found two unauthorized charges on my account. One was for 2.97 and the other is still a pending charge of 149.95 for a company by the name of ICMWEB. Because I have never heard of this company and also had not used my debit card in over a week this cause me great concern and fright. I immediately contacted my bank which provided me with information about this company and the charges that were made. I made it clear to my bank that I had not used my debit card online at anytime or authorized anyone else to use my card at the time of this purchase. After that they decided to file a fraud charge dispute against this charge. We assumed somehow somebody stole my banking information or at least the debit card number so we cancelled my card.
I got my dispute number and they tried calling this ICMWeb for any information regarding these charges but they said that they had properly gotten all my correct information therefore the charges were correct. Angry that I did not do this and they wouldn't refund me the bank advised me to contact them. When I called I waited for an answer for about 10min then finally hung up and called back again and got an answer. The woman on the phone asked for my name, address, email, and phone number all of which were incorrect except for my name. I told her this and she just kept repeating the information she had given to her and again I told her it was incorrect. The email, address, and phone number were all incorrect. I told her that was not even aware of what company this was or what they did so she said it was a business website. Okay well I'm 19 and work at a grocery store going to school to be a nurse, now why would I need a business website? I told her this and she starting being rude with me and kept putting me on hold finally connecting me to a customer service rep who was completely horrible to me. I tried explaing to this guy that I did not sign up for this, I did not authorize anyone else to and I and requesting a refund and also that that information didn't even match me. I asked him why would I put a email and an address that isn't mine on there and he just responded "I don't know you tell me you did it!" I was furious about this and said I didn't even know this stupid company existed and he replys "Oh so your calling us stupid now" then he says "look we can go back and forth at this all day long". I was like this guy is horrible he was completely unwilling to help me at all. I told him again that I did not sign up for anything that I didn't do this and all he did was hang up on me!!!! That is the worst customer service I've ever experienced in my life. I called my bank right after and had them note that I tried to tell them what had happened but they were unwilling to help and refund all charges. Now if the situation was different and one where I did sign up for a website and just didn't read the fine print or terms and conditions, I can see where this would be different and why they would be unwilling to help but COME ON SOMEONE STOLE MY DEBIT CARD AND I KNOW IF THIS HAD HAPPENED TO ANY OF YOU GUYS, YOU WOULD ALSO BE UPSET IF SOMONE BOUGHT A WEBSITE AND WIPED OUT YOUR BANK ACCOUNT.
OH AND BY THE WAY THEY WOULDN'T EVEN TELL ME WHAT WEBSITE I BOUGHT OR WHAT THE NAME OF IT WAS. THEY DIDNT EVEN OFFER TO CANCEL WHATEVER IT WAS THAT WAS BOUGHT.
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 RipoffReport.com Author of www.ripoffrevenge.com
Rip-off Report PO Box 310, Tempe, Arizona 85280
This report was posted on Ripoff Report on 06/03/2010 11:50 PM and is a permanent record located here: http://www.ripoffreport.com/r/ICM-Internet-Cash-Machine/Lake-Forrest-California-/ICM-Internet-Cash-Machine-ICM-Websites-This-company-refuses-to-refund-any-charges-that-I-d-610143. 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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