Report: #1024215

Complaint Review:

  • Submitted: Wed, March 06, 2013
  • Updated: Wed, March 06, 2013
  • Reported By: acs****1972 — bridgeport Connecticut United States of America

    United States of America Makes guarantees but doesn't honor them. AND debits account without permission. Internet *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

*Consumer Suggestion: How to Avoid Scammers

Show customers why they should trust your business over your competitors...

Fortunately I used a pre-paid debit card, so there's only so much they can do. I had auto-renew set to off, yet two months in a row they automatically billed me for the next month. I complained about it and they credited me one month. How nice of them. No apology, just gave me the cash back and switched my membership to basic. You'd think they could throw in a free month to make up for the other month, but nope, ten emails later and they basically told me I was out of luck.

They also have an offer that if you don't hook up in 3 months of gold membership you get 3 months free as long as you maintain gold membership for the 3 months, send some emails, write in the blog, etc, ALL of which I did. What they don't say is auto-renew doesn't count (it should since they illegally debited my account twice, also known as stealing in this country). To get the 3 months free you have to be signed up for 6 months and ask for it after 3 months. That's the story today. Yesterday they said I didn't qualify because the offer was over. It is over, but it was still active when I asked for it. They've always got a clever answer.

If you're going to join, as frustrating as being limited is, I suggest getting a basic membership. Let someone else take the risk.

EDitor's Suggestions on how to get your money back!


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 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!


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.


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 Author of

Rip-off Report PO Box 310, Tempe, Arizona 85280
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This report was posted on Ripoff Report on 03/06/2013 12:28 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

How to Avoid Scammers

AUTHOR: CyberCop - ()

There are some very simple steps you can take to avoid these scammers, because there are legit sites out there albeit few & far between. If you think you have a legitimate contact, here's what to do BEFOREHAND:

BUY A unregistered pre-pay cell and feed it with cash only.  

BUY A PRE-PAID DEBIT CARD and feed it cash, not much.   

Most of these jokers are men who impersonate hot women.  When you first hook up with one of these people...simply tell the  "hot dude/lady" the following:

"Look, I have been scammed before, please call this cell number (burner) and let me hear your voice.  You can block the Caller ID if you want."

Of course they will not do this and --- they're busted.  If they claim they can't call you, BS...everyone has access to a phone, especially someone with an internet account.  Busted again.

If you get a brazen one, it shoulldn't be hard to get them to slip up.  They will not be in the US, most likely, so ask them where they are?  Then ask them some simple detail or two about the place (Google). They will doubtless not be able to answer immediately...busted again.

Lastly if you still get burned...CALL IMMEDIATELY and have your bank stop the charges and they will probably cancel the card and issue a new one.
Save any chats, emails, etc. for detectives...and DO REPORT THEM. 
Surf Smart,

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