Report: #468993

Complaint Review: Freedom Membership Freedom Subscription

  • Submitted: Mon, July 13, 2009
  • Updated: Fri, July 24, 2009
  • Reported By: Houston Texas
  • Freedom Membership Freedom Subscription
  • Phone: 877-8074709
  • Web:
  • Category: Loans

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Freedom Membership as its called stole $49.95 Made a check with my name, my address my ssn number and ran it through my account. BOFA told me that this company process payday loans. I did apply for a loan but I dont remember anything that said that they would be charging me a fee. If I need money why would I pay them $50 to apply.

BOFA told me to go pound sand that this is an electronic debt but it aint because I got the check back in my statement. They were no help at all.

So after 4 phone calls to this company I supposdly got the acct canneclled so they wont be charging me $17.95 a month. And they say that they are sending me a check for the $49.95. So there goes BOFA theroy that its an electronic debt because if it was they could put it back.

Becareful when applying for payday loans online. This is the last time I will ever even consider it. Luckly this didnot overdraw my account.

The check was made out to Freedom Subscription. It was 2200 check numbers off what I was using. Dont get a payday loan online unless its from a real company.

Houston, Texas
*EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

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.
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This report was posted on Ripoff Report on 07/13/2009 08:56 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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#1 Author of original report

BOFA Steped up reversed both Charges

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

Thank you Ripoff report followed your instructions to the T. Bofa reversed both of these bogus charges and I had to close my account. Advise dont ever apply for a payday loan online been the worst 2 weeks of my life.
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#2 Author of original report

Update grant pro 877-807-4709

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

So taking the editors suggestion I went to the bank opened a new account. BoFA did not refund my money yet and has turned this over to there fraud investigators. They kept the old account open for direct deposits to get switched. Guess what I found when i loged in this morning same looking check now made out to grant pro for $49.95 Same number to call. Now 5000 numbers off current book. No red flags for BOFA. Same everything. Same person that I spoke to last week. Called got another cancel number from them and a promise to send a refund for this illegal charge. Have to forward all information to BOFA.
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