Report: #107478

Complaint Review: Capital Vacations - Travel Agency Network - Versa Talk

  • Submitted: Wed, September 08, 2004
  • Updated: Thu, September 23, 2004
  • Reported By: Walnutport Pennsylvania
  • Capital Vacations - Travel Agency Network - Versa Talk
    8601B Somerset Drive
    Largo, Florida

Capital Vacations - Travel Agent Network - Versa Talk ripoff/scam Largo Florida *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Comment: VersaTalk Travel Agent Network Rip Off

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

I was contactacted by this company and informed that I had won four air fares to any destination in the country that Capital services. All I needed to do was confirm that the checking account information they had was correct. I asked how they got my name and they said they contacted by my bank and that this was my reward for my accounts being in "good standing". They had all my information: checking account number, routing number, bank name, etc. They just needed a confirmation

They also told me there would be a free trial membership in their travel plan and that no charges would be made to my account unless I called them to activate it. They had me set up a password that I would use to acctivate this plan.

Within two weeks of this call, my account was charge $260.00, all without my consent, since I never called to activate these charges. When I tried to call to cancel my "membership" in these plans, I got a voice messaging system with two options: cancel my membership or redeem my travel plans. I chose to cancel and got another message telling that these charges would be refunded within 7 - 10 business days. I never got my refund. I notified my bank and we will see what happens next.

Walnutport, Pennsylvania

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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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This report was posted on Ripoff Report on 09/08/2004 12:50 PM 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 Comment

VersaTalk Travel Agent Network Rip Off

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

Around the first of the month I received a phone call about a free vacation, airline certificate, and numerous discounts offered from Travel Agent Network. I have used other vacation offer via phone and internet in the past and have all worked out to my advantage.

Well, not with Travel Agent Network I was taken for a sucker althought I hate to refer to it as that. While on the phone I asked lots of questions about what they were offering and it seemed worth the 14 day free trial.

I was told that I would receive a big book in the mail with all details. While on the phone I had them discribe some of the detials and stipulations listed for the discounts and I was still sold on the idea. I waited and waited and finally two day prior to my free trial membership up I found in the mail a letter stating I my account would be charged $149.00 for a vaction. Never once did I authorize this to take place so I immediately called the toll free number to receive a recording with two options.

1. Cancel Membership 2. Redeem. I chose options 1 and continued to listen to another phone number listed. I called it and again..recording with two options and a new number to call if I had more than one account wtih them.

I did this for a third time to have my name removed. Then what do you know I receive this little book, and I mean little book that was of no worth to me.

I tried calling to express how disappointed I was about the information recieved and what I was told over the phone but again ...only a recording.

I forgot about thinking I had cancelled all membership accounts with them. Today I found a charge on my checking account for VersaTalk for $49.00. Called my bank to get more info and they gave a toll free number where once again....recording wth two options. I called the bank back to report a fraudulent claim report and my money and if any fee associated with transactions to be refunded.

Yes it will be nice to get my money back but my problem is these people will continue to take advantage of many many people. I have seen lots of reports on here and imagine the people who have been taken by them who have not reported. If you have not done so then please contact your back asap to start a claim.

These people have to be stopped! I would also suggest although it may be a hassel but get your account changed so in the future they can't continue to take money.

In my case I only authorized one membership but when it came down to it I cancelled three prior to finding out I had one with VersaTalk as well when my account was charged for it.
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