I had gotten a call from a Vincent Pretel in early March telling me I had been approved for a Master Card with a $5000 limit backed by Bank of America. I asked him if this was a pre-approval or if I had really been approved. "Vincent" told me it was already approved and I would get my card mailed to me within 5 to 7 business days. He said that I had applied for this and was now approved to help re-build my credit.
"Vincent" told me the only thing I would be re-sponsible for would be a fee of $389.00 due to the type of credit re-building account I was setting up. I asked if they could put the charge on the card and he said no they had to bill me for it but what I could do was take a withdrawl from the card once I got it shipped to me and then we could deposit that into my checking account to cover the fee. I asked if I could have the payment taken from me after I had gotten my card so that I knew I had the card before they withdrawl from my account and "Vincent" told me that would be no problem. He then told me I needed to not ask the verification department any questions once they put me on recording since they were only going to make sure all of my information was correct for the shipment of my credit card. He then asked me if I had any question's and I told him I guess not as long as everything he has told me was true. "Vincent" asured me I was getting a credit card and told me to be responsible with my spending but have fun with my new line of credit.
Some time had past and the 5-7 business days went by and I never got this card. I called the 1-866-426-3170 number to ask what had happend to my Credit Card. The man I spoke with told me they were just the Customer Service line fo rthis company and that there was no card that would be shipped it was paper work to complete to try to get approved. I explained that was not what I had been told and that I was getting a Credit Card with $5000 line of credit back by Bank of America. He had told me he was sorry but that is not what was going to be shipped. I then told him I wanted to cancel the charge and he had told me he could not do that since it had already been processed on March 22nd, just the day before. I was very upset and had told him I had been told the charge was not going to be debited until March 27th. The Customer Service Rep played the tape of the call to me and agreed it was to have been charged on the 27th and told me that since the company charged ahead of time I could call my bank and have the charge refused. I asked him who would pay that fee and he said me since I okayed the charge in the first place. I called back the next day after talking to my bank and was told the charge had not posted to my account and I spoke to Judy and after I explained what was going on and that I had found out this was not what I was told and that I did not want this charge any longer. Jody told me not to worry and that she had canceled my charged and the order from shipping to me. I asked her if she was sure and she told me everything would be okay.
I was viewing my account on March 27th and saw that the charge of $389.00 had been debited and I called the number on my account 1-800-682-2420 and I spoke with Elisa and she had apologized for the charge and said she woudl issue my refund and that it will take 3-5 business days to post to my account. I waited and called her back today April 6th and she had then told me she was no longer doing the refunds for the company PCV and then gave me 1-866-341-6676 to call. I called that number and got Jody once again and she was very rude and told me there would be nothing that could be done at this point. I got very upset and said I was told they were stopping the charge from even going through she told me to call my bank if I was not happy. I asked to talk to her manager and she told me no. I told her I wanted to call the company who charged me and she told me no that they do the Customer Service for them. I then told her I needed to speak with her manager and again she told me no and then hung up on me. I call back and she answered again and when I provided her with my phone number she told me she had just talked with me and I would have to call back and get someone else and hung up again. I called once more and I got Katie she told me she knew why I was calling and that there was nothing to be done with my situation and I was the one who okayed the charged to begin with. I then told her I needed something for the Company who has charged me after I said not to and she gave me PCV, 1320 Street Rout 9, Champain, NY 12919 and then hung up on me.
I have no idea what to do at this point and I need this charged credited back.
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
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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.