Comp USA Tiger Direct Fraud Charge to Debit Card & Reversed Return Merchandise Naperville, Illinois *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

On Sept 24th 2010 I received a text from my bank that alerted me to a large charge in the amount of $885.79 at the Naperville, IL Comp USA. This charge left my account below the minimum balance I had set up with my bank. I was very concerned because I had not made any purchases at that store. I immediately called my bank to stop the charge but since it was a pending transaction I was told my only option was to either wait for the charges to go through or contact the store that made the charge on my account. So I called the Comp USA in Naperville & was told they were now closed & there was nothing they could do to help me. I was very angry! 
So I decided to go to the store and talk to someone as soon as it opened Saturday morning. Once again no one was willing to help. Since I was a frequent shopper at this location before this situation happened, I decided to return everything I purchased in the last month. At the time of the return I handed the cashier several items and the receipts. I also handed her a MasterCard that most of those items had originally been purchased on. Instead of crediting back the MasterCard I handed her. She did a credit to my account the fraud was made on. At the time I was so upset about the lack of customer service in regards to the $885 fraud charge I didn't even notice what account was getting the credit for the returned items. To this day I do not know how she was able to credit my checking account instead of the MasterCard I gave her.
 
To make matters worse this company turned around and charged the amount not only once but twice I had 2 pending charges for the exact amount from the same location. It wasn't until almost a week later that the returned items credit showed up in my checking. Now I had 2 charges for $885 and a credit for $718.  My bank was able to reverse one of the charges but they were told the second was an anti-fraud charge by Comp USA. I still don't understand this logic. From my point of view someone used a stolen bank card to make purchases in the store. So in their infinite wisdom the store authorized the transaction twice to prevent fraud? Who does that?
So, my bank was able to reverse 1 of the $885 charges on Nov. 2nd but was never able to reverse the 2nd. As it stands now, Comp USA admits to the fraud charges but at the same time they are claiming my returned merchandise was a partial credit back for the 2nd $885 charge. Because of this, my bank took $718 out of my account and gave it back to Comp USA on Dec. 3rd. At this point, Comp USA owes me a full refund for $885.78 in regards to the fraud claim and $718.51 for my returned merchandise.

I have tried and tried to deal with the store, their 800 number and my bank about this since September. It has gotten me no where! I have had to deal with overdraft fees, loss of work and some pretty extreme stress.
At this point I am going to post on every website that I can find for people to beware of Comp USA/Tiger Direct in Naperville, IL. This store will rob you blind and they only care about 1 thing, their bottom dollar. They can care less about who really owns the bank card they are allowing someone else to use so long as they are making sales. If the bank reverses 1 of the charges they still have the second 1 to fall back on. There are so many things wrong with this situation. I cannot believe in this day and age, with so many laws in place that something like this could happen to someone.

As you can imagine with amounts in question, just completely ruined this holiday season has been for me. I'm a single mom with 2 kids and I work very hard for them. For the 1st time in a long time I was looking forward to the holidays because I saved all year. Now I am sitting here with barely 10 days left until Christmas and because of this entire mess I am left broke, bitter, and angry and upset.
So Merry Christmas to the jerk who started this whole mess. I hope whatever you bought catches on fire and burn your home down with you in it.
Merry Christmas to Comp USA, since they allowed this to happen and they don't seem to care about anything but their sales and ripping people off. I hope someday you go out of business from bad press like this! I really hope someone reads this and chooses never to step foot in your store again. I know I won't and believe me you lost a great customer over this whole matter too!

 

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 RipoffReport.com Author of www.ripoffrevenge.com

Rip-off Report PO Box 310, Tempe, Arizona 85280