ED Magedson – Founder
ID Theft Protect - Trifecta Credit - Last Chance Cash AdvanceInternet United States of America
I was thinking about applying for a payday loan and checked out many payday loan places. Looking for the one that I thought would be the cheapest and easiest to pay back. I was offered loans from many places. I chose to take a loan from 500 Fast Cash. I am not sure if Tavos ID Protect (ID Theft Protect) got my information from 500 Fast Cash or if it came from one of the other loan apps that I filled out. I filled out my application for my loan on 10/26/09 early in the morning. Making it to where the money would not be deposited into my account until 10/28/09. On 10/27/09 I called my bank to see if maybe the money had been deposited early. It had not but my account was overdrawn $61.01. I called the bank to see why and they said that $33.98 had been withdrawn by the drafting of a check. I knew that I had not written any checks. Plus, I knew that I didn't have the money in my account, that's why I was doing the payday loan in the first place.
I got what information that the bank could give me (what they had on the check) which was not my check, it was one that ID Theft Protect had made and sent to my bank. I called the 800# and was told I had to go to a website to get a refund. I did and was told that it would be 72 hours before they could investigate and check into it. I finally got back in touch with them on 11/06/09 and was told that they do not pay overdraft fees and that I could not get a refund because it was not an error on their part it was a user error! Now all of this is being done online talking to a online chat representative. So, I am not only very upset but, I am out the money that they took out without my permission and the overdraft fees. I started to look around on the internet and found that I am not the only one that this has happened to. There are alot of people that they have done this to and are still doing this to. These people need to be stopped. They are taking money that people do not have in the first place or they would not be trying to get a payday loan. And they are doing it without permission from the person. Most of the people, like me, did not even realize that their information was given to them. Let alone giving them permission to take the money when they do not have it.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
This report was posted on Ripoff Report on 11/06/2009 10:09 PM and is a permanent record located here: http://www.ripoffreport.com/reports/id-theft-protect-trifecta-credit-last-chance-cash-advance/internet/id-theft-protect-trifecta-credit-last-chance-cash-advance-tavos-theft-protect-took-mo-520837. 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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