GreenZap - Mazumah - Mipayment Unauthorized e-check deducted from my bank account for $39.90 ripoff Internet *EDitor's Suggestions on how to get your money back into your bank account!

I signed up with an account with GreenZap sometime in 2006 thinking they were like you know Paypal and hey who doesn't want $25 free cash for signing up? Well, I got more than I bargained for when I did.

A few months went by and they charged me through my debit card. I told the bank that I never agreed to the charge and they still made me pay half the charge plus half the overdraft fee (since I don't keep money in my account unless I know I'm going to buy something or I have a bill coming up.) After that happened I closed and canceled my account with GreenZap (which was September 2006) after figuring out that they were a scam company. I never actually used the account except for signing up. I just want to make that clear.

I never bought anything through there or went gold or anything of the sort. I logged in a few times and just let the account sit there from the time I signed up to the time I got charged.

Since closing the account, about 11 months later I log into my bank account on August 24, 2007 and I see that my account is $71.77. Didn't help that again I didn't have any money in the account because at that time I didn't have any bills (which are all coming up in the beginning of September).

I click on my account summary and I see this e-check in my account for some guy or company called Mazumah for the amount of $39.90. I immediately called the bank and reported to them that I didn't authorize this e-check. The lady tried to switch me over to claims and they hung up on me! Since I couldn't get to the bank on Friday, I had to wait all weekend and then go on Monday. During the weekend I did numerous searches and found many reports on this site as well as the word Mazumah linked up with former GreenZap users.

I finally get to the bank, sit down, and talk to one of their representatives. I tell her what happened and how I CANCELED my GreenZap account in 2006. I even tried to show her an email printout of my cancellation with GreenZap and a few reports I found on this site.

She didn't care and didn't even want to look at them. Apparently, she didn't care what I had to say and neither did the woman she talked to at claims (on the phone). Both of them said that since I willingly opened an account (THAT IS NOW DECEASED) with GreenZap there is nothing they can do about it and they cannot refund my money.

But and get this, she says and I quote "I'm not allowed to do this but I'll give you you're money back for the overdraft fee." Excuse me, but that's like telling someone it's okay to have sex with them and then the next time when you say no and mean it - they rape you anyway.

Where does Bank of America and their representatives get off telling me that it's not fraud because I willingly opened an account with GreenZap. An account I had closed and canceled almost a year ago! I refuse to pay what I owe GreenZap or rather now the bank because I'm the victim in this. I would say that canceling out an account signifies that "No, you are not allowed to use my information anymore because I am no longer a user of your service."

Can someone please tell me how I can convince BOA that I am the victim in this case. No matter how many times I tried to tell them that I no longer have an account with this scam company and that I can't even login to my account (which by the way since I canceled that account it comes up and says 'this user is in violation of our terms of service.' I guess that is because I canceled my account.)

I'm guessing that GreenZap really stands for 'We're going to Zap the Green out of your account whether you give us permission to or not.' I was raped by this company, not sexually, but in fact through private information that they should no longer have on record. I can't even use my bank account or even get a new one until I pay (and they expect me to) the remaining money that GreenZap wrongfully took.

Another victim of account rape
Dorchester, New Jersey
U.S.A.

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, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.