LOVING ESSENTIALS /CigArrest.COM BEWARE, they are after your TAX REFUNDS! Internet California

CigArrest using the name LOVINGESSENTIALS has attempted to debit $69.00 to my debit card once a week for the last 3 weeks. However these charges have been declined due to lack of funds (this is a prepaid card and I only put money on it when I plan to use it to pay an online bill).

Back in Sept 2007 I placed an order for Cigarrest and was suppose to be charged only for the shipping and handleing. After reading the ad closer I noticed that I would be automaticly charged 69.00 after the 30 day trial and charged this again every 3 months. I proceeded to call the company and cancel my order of their free trial. I was assured that no charges will be debited to my account. However within 2 days of the 30 day trial being over my account was debited 69.84.

I contacted the company and explained to them that I had never received the order because I had canceled the free 30 day trial within minutes of placing the order. They assured me that the matter would be taken care of and my debit card would be issued a credit for the amount of 69.84, which was done within 7 days.

Now after 2 1/2 months have gone by since that credit my account is being debited again and again. Thank goodness I hadn't put funds on my prepaid. However I did notice that this company begin trying to debit my account on the same day that the IRS begin accepting income tax filings online. I'm sure they know that alot of people are having their income tax refunds directly deposited to their bank accounts and there fore they are hitting as many cards as they can over and over until a fee goes through. My state refund is due to be deposited on this debit card and I'm sure this company will keep debiting my card until they get some money out of me. I can not change the info on my state refund for my deposit information and can not cancel my card until my refund is deposited.

Word to the wise, open a seperate new account (make it a savings account) for your tax refunds to be deposited to or you may see charges like these over and over on your account if you have ever given your account number to any company to order something.

Kelly
Cartwright, Oklahoma
U.S.A.
*EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

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.