I recieved a phone call from someone saying that I had been selected to recieve a promotion and all I had to do was pay the shipping of $3.95. The package was discount movie tickets and food coupons and something else. They asked how was I going to pay and said by Visa or checking account. I told them I didnt have any and they acted like they knew I did. Well at the time I figured its only $3.95.
Well, I gave them my checking account # and a check #610. THey didn't even send the check thru for $3.95 they made a bank draft of 119.90 not only once but twice and tried to take 149.90 out of my account. My Checks for my bills started coming back and thats how I found out that they had took the money out of my account.
THe bank said they couldn't give me my money back because it had been to long so I have to go thru them to get my money back. It has been like a nightmare with these people for over six months.
I have been calling once and twice a week. First i find out that I think the Home office is in CHicago,IL where they took the money out but when you call you get foriegners from California that don't know anymore than what's on their computer screen. They won't let you talk to a manager because they say that they are the one handling the call.
Every call I made for a while would tell me allow 2 weeks for the refund. So I would wait then call back when no refund. First they were telling me I would get a draft to my account then they said they would send it thru ground mail it would be faster. That went on until Dec 2005.
Another company took over and Americans were answering the phone. well one said she would put a note in the computer and let corporate know that I had called about my refund. Then the next person I talked to said YOu will recieve your refund before the end of January 2006. Today I called and this person tells me that I have to write COrporate and request a refund. SO Its no better with this company handling the calls.
I'm really getting fed up and I don't know what else to do.
I Think they take money out of peoples accounts because the bank or credit card company usually gives the money back and then they don't have to deal with the person they took the money from and they get rich. I wasnt that lucky to get my money back that easy and I'm catching the devil trying to get it back from them.
I've really learned my lesson and hope no one else gets scammed like I did. there are three companys that are in it together. ITs Premier Benefits, buyers Union, and somewhere else. Just keep a listen out for the phone. I have had a few friends get scammed too with this mess.
thanks for your time.
Florence, South Carolina
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
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
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency ...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.