Report: #130699

Complaint Review: BSD, Blue Star Direct, American Gold Card

  • Submitted: Wed, February 09, 2005
  • Updated: Wed, February 09, 2005
  • Reported By: Beverly Massachusetts
  • BSD, Blue Star Direct, American Gold Card
    2801 Camino Del Rio South Suite #313
    San Diego, California

BSD, Blue Star Direct, American Gold Card ripoff steal scam stole unauthorized debits different debit amounts San Diego California *EDitor's Suggestions on how to get your money back into your bank account!

*Author of original report: One more thing

*Consumer Suggestion: Dispute time is reduced

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

I got my bank statement and noticed an ACH debit transaction that shouldn't have been. When I called the bank, they said the company was BSD and gave me the tel. #. I tried looking them up on the internet, but couldn't find anything. The bank credited me back the money after I filed an affidavit stating that it was unauthorized, so I let it go. The following month, I noticed two debits that shouldn't have been and I called the bank again. They told me it was the same company. I asked them why they would allow this company to debit from my account again and the bank told me that if the company changes the amount, they can debit again. The bank told me I needed to close the account in order to stop them from debiting it again. I kept trying to find this "BSD" company online, but couldn't. Finally I typed in their tel. # that the bank gave me, as a google search and found this site. I found out that BSD is an alias for American Gold Card. I had authorized a one time $20 debit to get the American Gold Card, which I never received. Close your account!

Beverly, Massachusetts

Click here to read other Rip Off Reports on American Gold Credit Card

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, Rip-off & Author of

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

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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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This report was posted on Ripoff Report on 02/09/2005 08:24 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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Updates & Rebuttals


#1 Author of original report

One more thing

AUTHOR: Kelly - (U.S.A.)

After they took the initial $20, they kept debiting my account with different amounts. As long as they keep changing the amount, they can keep debiting even if you request a stop payment or sign an affidavit for an unauthorized ACD debit.
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#2 Consumer Suggestion

Dispute time is reduced

AUTHOR: Doc - (U.S.A.)

As of nov 2004, the amount of time the consumer has to initiate a dispute regarding a checking account, is now 40 days, no longer 60 days, as it had been for a long time. This reduction was a less documented part of the new Check 21 laws, congress passed. While your bank may honor requests over 40 days, by law they are not required.

It is frustrating that people have to close their accounts which is a lot of work, to avoid having badly behaving companies debit and re-debit the accounts, long after any initial charges..
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