I kept getting this message on my phone saying I am qualified to received a GRANT for $8,000.00. So finally in December,2004 I spoke to someone named Raymond Smith who took my bank information and assured me that I was approved and a fee of $257.00 was for processing the paperwork. I gave a date of January 10th for the
funds to be withdrawn from my account.
I check my acount and found that I wouldn't have enough to cover so I immediately call them 4 days before, when someone named Billy informed me it was too late to withdraw my transaction, so I said I would call my bank and stop payment, which I did. But to my surprise they resent that check to my bank again without notifing me on January 18th for payment which did not go through because I was not expecting it, so my bank charged me $30.00 fee and since I had close to the amount in my account my bank paid the check.
I then called them to cancel the transaction and have them put the funds back into my account, but the rep was very rude, she told me that I couldn't do that, because the information was on shipment to me already. I then became very upset and hung up the phone.
Six week went by and no information came so I called back and spoke to Rachel, who said I should of gotten the package by now, she verified my address and said another will be sent to me instantly, this was now March 7th,2005. I called back on March 15th, still no package and no one answered their phones after a very long wait.
It's April 11th I just received a book very poorly put together a coupon and an offer page. So what do I do now what did I pay $257.00 for. So I called again a couple days ago, got a recording stating their office hours has changed. I stayed on the call for 1 hour and 38 mins no one picked up my call.
I just spoke to an attorney about this, has an appointment to meet with him, will explained what happened to me with this and hope he can assist me to get my money back for misrepresentation of information and also my fees I shouldn't have paid .
Let me know if anyone out there has other suggestions on this matter, I would gladly accepted the information. I've sent a letter to the BBB about this company a few days ago, I was also advised to contact the Dept. of Commerce and the Attorney Generals Office on the matter. I'm going to keep trying until I get someone on the line to answer my questions on what I paid for and where is my $8,000 I was approved for immediately after the funds was taken out.
I'll let you know what the lawyer came up with and what steps I'll be taking next to get this resolved.
U.S.A. 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, Rip-off Report.com & Author of www.ripoffrevenge.com EDitor@ripoffreport.com bad
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates. ...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency ...by consumers, for consumers CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.