Numerous telemarketers representing EZ1RATE and 2 other companies called me repeatedly to quote "Verify your mailing address associated with your Master Card ending in XXXX so we can send you $450.00 in free gas coupons."
I repeatedly asked how they got my card # and told them to remove me from their calling list. I also told them the address they had was never connected to that card.
On about the 5th call, I finally listened to the pitch and was assured that I would receive 1 package which I would have to sign for which had multiple offers for various products.
I only had to phone in within 10 days to cancel the offers and I could keep and use the gas coupons at "NO COST" to me.
I received the information through regular mail in four different envelopes and didn't have to sign for anything - not in one package as represented. So I called each company to cancel on the day I received their offer.
The fact that I did not have to sign for this information is CRITICAL because, as I told the telemarketer, I am usually out of town and may not get my mail for 2-3 weeks after it arrives at my house. He lied and if I had not been home, the 10 day grace period would have passed and I would have been charged for programs and services I had already told him I did not want.
At no time did I authorize charges to my Master Card. Yet EZ1RATE charged my card $1.95 and will not refund it, claiming it is a "non-refundable" charge for shipping the "package"! It was not a package - just an envelope with a
couple slips of paper.
The woman, Desiree, I spoke to at EZ1RATE let me hear a portion of the recorded conversation with the telemarketer who assured me there were no charges. He talked so fast that I did not hear the $1.95 charge. I did not ask him to repeat or slow down, because he had already assured me this was no gimmick and there would be no charges on my card.
One person I questioned about where they got my information said the banks provide the credit/debit card lists to them. I assured him that USAA does not give out that information. USAA confirmed this today--they do not give out my debit card information to anyone!
I want to know where they got my Master Card number and I want the $1.95 back.
lincolnton, North Carolina
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 chargetruth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics still worshould k. The bank can easily fax or mail to you the Federal Regulation E dispute form.