About two months ago, I was contacted by Christopher Thomas, X502 and was told about this amazing offer that I had been selected to participate in. I was told that for a one-time only fee of $319.00, I would received a GUARENTEED credit card for $1,500.00! Well, being in the situation I am in now (just having a baby and wanting to repair my credit) I decided that why not! The deal was, I was going to pay the fee and then 15-30 days later I would receive a packed of information that I needed to fill out and send back. After that, I would get my credit card in approximately 7-10 days.
Well, a few days later, my account was debited for the $319.00 and I was waiting the month for my packet of information that I finally received.
I took one look at the packet and realized that I had gotten myself into a big mess. These very unprofessional forms were forms that I could sit down and make up on any computer!!! Well, I freaked out and decided to call them. I spoke with the amazing Danielle that everyone has had to deal with that was completely rude and unprofessional.
So, I mailed back the form and have called daily since then. First, they said that they never received the form. Then, I was told it was in their shipping and receiving department. Then, I was told that they still didn't receive it and that if I didn't re-send the copies I made, I would be out the money I spent and the credit card. I have talked to Danielle who has lied and said she was also Lisa to "see what lies I was spreading about her," and was told that they would not do anything for me and that I would not get anything until they received the information packed.
I overnighted the packet and have a signature of someone that signed for it BOTH times I sent it - to which Danielle says that that person doesn't work there. I was told that there are both a SUITE 107 and a #107 in the same building and that it must have gone to the wrong place. I have been told soooooooo much more and just finally got sick of it after they telling me that some security guard signed for the package and they are investigating it!
Well, I finally got sick of it and filed a complaint with the better business bureau! I know this sight does not like the BBB but it worked for me. So, if you can do anything......PLEASE PLEASE PLEASE file a complaint with the BBB. It will be worth your time.
Finally, I would like to say that anyone that has filed a complaint with the BBB, or has any more information about this company or is interested in all the documentation that I have or anything else! please contact me!!! I think what these people have done is completely wrong and I am $319.00 broke now because of it. These people have taken food right out of my son's mouth - the way I look at it! Good Luck!
.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!
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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