Report: #135222


  • Submitted: Wed, March 16, 2005
  • Updated: Wed, March 16, 2005
  • Reported By: SOUTH WILLIAMSPORT Pennsylvania
    10500 ULMERTON RD SUITE 726-302
    LARGO, Florida

FREEDOM GOLD, VERSA TALK COMMUNICATIONS RIPOFF, IGNORANT, LIERS, THEIFS, DISHONEST LARGO Florida *EDitor's Suggestions on how to get your money back into your bank account!

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

Freedom Gold and Versa Talk Communications are a packaged deal. I never even heard of Versa Talk Communications until I Checked my checking account online and saw Versa Talk w/ a phone #.

I called them to find out what I was being billed for and couldnt get past the recording. I called I looked online and found this website and found out the 2 companies go hand in hand. So I called Freedom Gold to make sure my account was cancelled-I'm still waiting on the reimbursement of my $199.00-and they told me to call back Versa Talk and to speak to a live person you have to hit the pound key 2x's. So I did, and after waiting a few minutes someone comes on the phone. They tried to give me the runaround. So I had to call Freedom Gold back and asked them why didnt they tell my to begin with, that I had to cancell out each account individually. They lady on the phone was rude and ignorant.

I had to call Versa Talk back to make sure my account was cancelled and now I have to send them a letter in writing with a cancellation code requesting my refund. I dont know whether I should just send them the letter or just go straight to my bank and file a complaint.
I had to make sure with Freedom Gold if there wasnt any other accounts associated w/ them that I had to call individually. I told them there better not be.
I never received the information regarding Versa Talk, but I did w/ Freedom Gold. They told me it should of come in the same welcome kit, but it didnt.

They give you 7 days to frview the information and if you dont want to keep the program then you can cancel. Well they dont give you the full 7 days. By the time I received the information I was already being billed the 199.00.

A few days later another company contacted me. The lady started off the conversation about 100.00 worth of coupons in free gas. I let her do her rebuttals. She proceeded to tell me about the credit card they have on file. She read off the last 4 numbers of my card number. When I asked her how she got that information she couldnt tell me anything. She said they arent supplied with the company info of who gave her that information. I told her then I didnt want no coupons I wasnt interested and not to send me anything. She tried to convince me, but I still told her no. I cant prove who gave her that information, I wish I could remember the name of the company, but I'm guessing Freedom Gold sold that company my credit card information.

Whatever you people do dont give no information out over the phone and get yourselves on the DO NOT CALL LIST.


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 03/16/2005 10:42 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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