Report: #204397

Complaint Review: Express Gold

  • Submitted: Thu, August 03, 2006
  • Updated: Fri, March 04, 2011
  • Reported By: Rocky Mount North Carolina
  • Express Gold
    2533 N Carson St Suite# 5021
    Carson City, Nevada

Express Gold Card ripoff continues to make unauthorized withdrawals from my bank account Carson City Nevada *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE Employee: The Express Gold Card is an independent advertiser and is not associated with any cash advance web site.

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

I recieved a card in the mail from this company months ago that I did not order, and trashed it.They have been making withdrawals from my bank account every since.

I found their customer support e-mail after researching online and have e-mailed them for the past several months to stop taking money from my account and reimburse me for overdraft fees and the monthly charges, I have still not recieved a response from them.

This company should be kicked off the map for taking innocent hard working peoples money for services not authorized.I have had over drafts in my account for the last several months behind this company and just want it to stop because I really cannot afford this on a monthly basis.

Rocky Mount, North Carolina

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 08/03/2006 02:52 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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Updates & Rebuttals


#1 UPDATE Employee

The Express Gold Card is an independent advertiser and is not associated with any cash advance web site.

AUTHOR: Express Gold Card - (United States of America)

The Express Gold Card is an independent
advertiser and is not associated with any cash advance web site.

Upon completion of your cash
advance application, agreeing to your loan details and providing your
e Signature to complete the process, the Express Gold Card offer is prominently
displayed on an exit page under the heading “Visit Our Featured Advertiser”.
Immediately under the heading in bold the following text is displayed.

Beneath that the details of the price and offer are clearly and conspicuously displayed
along with a link to Terms & Conditions for additional details.

In order to apply for The Express Gold Card you must take two affirmative actions. First you must click “Yes” that you want the offer and then you must click “Submit” in order to submit your
information to The Express Gold Card for processing.

Your welcome email includes your
offer details, your authorization and easy to follow information for canceling
by phone and or email should you wish to discontinue the service.  Additionally, your billing statement each month provides our 800 number for your convenience.

All requests for refunds are
handled promptly.
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