Aspire Visa / Columbus Bank And Trust The Biggest Ripoff IN THE WORLD IS ASPIRE VISA/COLUMBUS BANK AND TRUST! Columbus And Atlanta Georgia *EDitor's Suggestions on how to get your money back into your bank account!

I was a victim of fraud twice. I had some guys staying at my house for a couple of weeks, when about a week after they got there I noticed a debit from my checking account for 20 dollars from Columbus Bank and Trust. Well, I quickly called them and they told me the fee was for an Aspire Visa I had applied for.

I told the lady that I had not applied for any card and she gave me the number to card services in which I called to cancel my account. I called and GOT AN INDIAN agent whose name was Leslie. I told her that someone used my information to obtain this card and they I wanted this account cancel NOW. She then says " Okay sir, Just to confirm you would like us to draft 200 dollars out of your checking. I SAID NO!!!!!! She said thank you sir, I'll get right on that and hung up on me! I was in shock!

I called right back and got her again. She asked me for my information again and I gave it to her and she said. Would you like to make another payment and then started laughing and other indians were lauging in the back ground too!... At this point I called her every name in the book and everything was quite for a second and she said " OKAY SIR, I WILL DRAFT ANOTHER 200 FROM YOUR ACCOUNT. Your credit report is looking better already!

I then cursed her out more, and she says Wow, you want me to make that a 500 dollar payment from your checking! Thanks alot and I heard a click! Well, I guess im a fool because I called back and GOT SOMEONE DIFFERENT. I thought thank God in heaven. Boy oh Boy was I wrong. This person was a man named amar. He was also Indian. I said where is your call center located. He says india. I asked if I could get in touch with a United States Citizen and he tells me to get a life and hangs up! I called back and talked to Sonya. Finally, I am getting somewhere. I tell her the situation and she cancels the card ( OR SO I THOUGHT)... Well, in 3 weeks I get a bill for 540.00 dollars AND I HAVEN'T EVEN USED THE CARD! AT ALL!!!

I call her up and she says yes this is sonya. I said, this is Charlie, and she says OH HI CHARLIE, HOW ARE YOU. I say fine...but I think to myself how she could remember me. Well, she sure remembers and ask my why am I negleting to pay my bill. She also says that IF I DON'T PAY THE FULL AMOUNT I WILL BE REPORTED TO THE CREDIT AGENCIES. I tell her to ^&(^%$^^ my ^(&. Well, I hang up and guess what. 3 days later they debit my account for 540 dollars. I tell my bank and they reverse the charge. Well, they re-submit it and provide my bank with documents telling them that i owe this money. So, my bank refuses to reverse it again!

I called my other Credit card company who I am signed up with Credit Protect. The name of this credit card company is orhard bank/ Household Bank. I have been with them for years and they are great! They gave me numbers to my state Attorney Gen. to report Aspire. I did just that and Aspire sends me a letter of apology. They still have not taken off those charges a year later and my bill is now 3214.90 and THIS IS FOR A CARD THAT STARTED OUT AT A 300 DOLLARS LIMIT! I HAVE NOT USED THIS CARD A SINGLE TIME!

IF YOU ARE thinking ABOUT signing up for an aspirevisa card from Columbus Bank and Trust,,PLEASE THINK AGAIN! Please take my word on it! thanks and God bless

Charles
Columbia, South Carolina
U.S.A.

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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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...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.