fullfillment center for sivitrol charged my bank acct with 2 unauthorized payments for sivitrol hollywood, Florida *EDitor's Suggestions on how to get your money back into your bank account when someone wrongfully takes it from you!

ordered sivitrol in feb of 2010 and decided not to use it.  cancelled any further orders on march 3rd. on april 5th there was another charge for $87.47 &they told me to re turn product when it arr. for a refund.   on april 15 i returned product us postal serv for a sig. on arrival  and on the 16th of april ther was another $87.47 withdrawal from my acct and when i finally got through to them they said i would get a refund because something went wrong with their computer and i would get refund on previous product when they got it.   

on the 28th of april i was told i would receive refund may 5th 2010    may11th i was told they could only return 1 refundand would receive it may 15 or 16.    on june 6th i talked to taylor and was told i would receive both refunds, as they were not authorized, in 3 t0 7 days     that would be a total of $180.18 and 2.62 plus 2.62 [the 2.62 on each 87.47 was for a foreign transaction fee]     on june 16 sandra told me to call back in a week and mention #1091831 so they would go right to my acct and not ask all the usual questions.   

icalled so many times to make out a form which i never received and no one had mentioned before    oooooonce they said billing told them they they tried to refund but it failed....i did call my bank but of course by then it was too late for them to do anything    are you still awake?  on the 11th of oct i noted a charge for $1.49.this time in spoke with alma who,after much bs said it was a one time charge.  i said for what? i cancelled last march. well i left out a few calls but this is my story. oh, by the way, they refunded $1.49!!!!

EDitor's Suggestions on how to get your money back!

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 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.

CHARGES TO YOUR CREDIT CARD

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 RipoffReport.com Author of www.ripoffrevenge.com

Rip-off Report PO Box 310, Tempe, Arizona 85280