Allied Interstate ripoff took money without permission Minneapolis minnesota *EDitor's Suggestions on how to get your money back into your bank account!

Have student loan that went to allied interstate. Do not dispute the loan, tried to pay and get it taken care of, but was lied to about how they would collect the money. I was told that I had to use a checking account. I did not have one, so my husband let me use his until I could get one. Set up to pay $125 per month. Could not acquire a checking account and asked if I could make payments. They said I had to make four payments by checking account and then could set up to send in money orders.

My husband did not want to do this. He hates automatic draws. I even made two payments in one month to hurrry things along. When I called to change it they told me that I had to keep it coming out of the checking account and I could not send in money orders. I told them that I could not do that, that they no longer had permission to withdraw from my husbands account. I would contact my original lender myself.

I received harassing phone calls for months. They continued to try to withdraw money from my husbands account. My husband talked to a representative and told them that they did not have permission to withdraw and not to try anymore. I wrote a letter stating the same. We even put a stop payment on it. Last week they withdrew using a different checking number, causing bounced checks.

When I contacted them, they spent 30 min. telling me how irresponsible I was and how they were trying to help me.( help me go out of my mind) I told them that I was handling this situation on my own with the original lender. I asked for reimbursement to my husbands account and I got a "why should we pay you for your debt". All they kept telling me was to put it in writing. I did that once. Obviously that didn't work.

Now they tell me I can make payments anyway I wish and wanted to set up a payments schedule with me. If I could have made payments by mail oringally, I never would have had to go through all this.

Why couldn't they do that in the beginning? I understand that they have a job to do, and I don't disbute my debt, but they do not know anything about my life. Who are they to judge me? The bible says that "no sin is greater then another" and that there is no one without sin. I'm sure these representative have faults of their own, yet I do not judge them. Who are they to belittle me? If I had the money, don't you think I would pay it.

I'm not trying to get a free ride, nor making excuses for my mistakes, but God is the only one that has the right to judge me. What will their judgement day hold. I am more likely to go out of my way when the person on the other end is sincere in wanting to help. We all need help, why make us feel ignorant about getting it?

me

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
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

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We are not a collection agency.

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...the victims' advocate

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...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.

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