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Report: #482091

Complaint Review: Freedom Subscription 1/877/807=4709 - Sparks Nevada

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  • Reported By: CAI — Philadelphia Pennsylvania USA
  • Author Not Confirmed What's this?
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  • Freedom Subscription 1/877/807=4709 75 Bank St Ste 5 Sparks, Nevada United States of America

Freedom Subscription 1/877/807=4709 Freedom Lending Sources,Secured Loans by Phone,Royalsteam,Royal Membership,Platinum Royal Customer Service,Colonial Alliance,Liberty Union,Indpendennce Plus,Stored Values,Power plus,Customer Service,I I have been dooped,blindsided and misled by this company!!! Philadelphia, Pennsylvania *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

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I checked my checking account balance and was surprised when it showed that I as ovedrawn. I went online to the bank's website and pulled up my statement. It showed that a check was posted to the account-for $49.95- made out to Freedom Subscription  1/877/807/4709. 


I immediately called that phone #, and when they answered, I told them that I did not order anything - Melody-the customer service rep stated that apparently I applied for a payday loan and that I authorized  this Freedom Subscripton. I told her I wanted to cancel-she told me that she cancelled it,gave me a cancellation# and told me I would  receive an email confirming the same info. and that I would receive a paper check for the refund in the mail in 30 days-by September 16.                                


I went to my bank branch and told them that I did not authorize this payment- they did a"backout"- which means  that they will refund my money and they will not charge for insufficient funds.     My Bank is TD Bank.


I read the current ripoff reports on the same company and I also did a search on the BBB website- they are a bad company- BBB graded them as a "F". -not an accreditted business -they also go by 20 AKA's. 


 


<b><font size=+2><font color="#0000FF">EDitor's Suggestions on how to get your money back! </font></font></b>  


 


<b><font size=+1>HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: </font></b>


 


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!  


 


<b><font size=+1>DO NOT TAKE NO FOR AN ANSWER! </font></b>


 


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.


 


<b><font size=+1>CHARGES TO YOUR CREDIT CARD</font></b>


 


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 .. <i>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. </i>


 


 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, Arizona85280

This report was posted on Ripoff Report on 08/18/2009 08:55 PM and is a permanent record located here: https://www.ripoffreport.com/reports/freedom-subscription-18778074709/sparks-nevada-89431-6200/freedom-subscription-18778074709-freedom-lending-sourcessecured-loans-by-phoneroyalst-482091. 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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