• Report: #125239
Complaint Review:

Guardian Marketing - Capital Vacations

  • Submitted: Fri, December 31, 2004
  • Updated: Sat, January 01, 2005

  • Reported By:Atlanta Georgia
Guardian Marketing - Capital Vacations
www.guardianmarketing.com Internet U.S.A.

Guardian Marketing, Capital Vacations multiple fraudulent billings, ripoff! Illegal access to my bank account, stole $ without my knowledge or authorization. Internet *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE EX-employee responds: ripoff loopholes must be stopped

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A couple of weeks before Christmas I received a phone call and was told that I won a free trip. They sent me a package for a 7-day trial discount travel "passport." I returned it immediately!

I checked my bank account and Guardian Marketing had stolen $149 out of my account on 22 Dec 04! I never authorized them to take out any amount from my account. I don't know how they got my account number!

I filed a claim with my bank and they investigated the charge. On 30 Dec 04, Guarding Marketing deposited the $149 but the very same day, they ripped me off again!! Guardian Marketing fraudulently took $59.95 from my account.

On 31 Dec 04, I filed another claim with my bank to investigate this second theft. I am petrified that Guarding Marketing will get into my account again before I can get a new account!! How can they have the power to come and go into people's bank accounts fraudulently?

They must be stopped and prosecuted!!!!

Atlanta, Georgia

Click here to read other Rip Off Reports on Capitol Vacations

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 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!


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.


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

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.

This report was posted on Ripoff Report on 12/31/2004 01:53 PM and is a permanent record located here: http://www.ripoffreport.com/reports/guardian-marketing-capital-vacations/internet/guardian-marketing-capital-vacations-multiple-fraudulent-billings-ripoff-illegal-access-125239. 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.

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Updates & Rebuttals

#1 UPDATE EX-employee responds

ripoff loopholes must be stopped

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

This place should be stopped.Unwanted calls,it's not for free.Calling to cancel is a hassel. Almost as if you beat around the bush to get a deal.Customers are told package will take 10-14 days when in fact it is received in a couple of days.

Is the law really this blind or does the law not even know how telemarketing works. This is a scam with loopholes and needs to be stopped.Sure ther are over 2million people with these jobs.

But waht skill does it take to rip people off. I felt guilty doing this but made great money. Elderly are prime suspects. If this is free stuff then just send it.This is unwanted business.

Who actually enjoys these calls? Does the law even care with what goes on.This is a sad world with too many loopholes that need to be corrected.

This has been going on for years and nobody cares about these types of jobs. oh well if they loose there job as a telemarketer, now they can go out and find a real job.

These jobs are directed to people that have no deep down morals. This is wrong and hopefully the law will wake up and correct these candycoated scams.

Suntasia should not be in operation. With maybe 9million profit a year-how many people just keep there mouth shut and don't complain? How many people actually are happy with these services. If I want a discount travel program there are many other ways to save money.
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