Income Strategies Institute & H B Products Bogus charges to my account by HBProducts a closely associated company to Income Strategies Institute. I never even heard of HB Products till they showed up on my checking account statement. West Jordan Utah *EDitor's Suggestions on how to get your money back into your bank account!

A report was also filed by an Andrew in Chino, Ca. He went to the same 3 day $199 seminar I went to in Baldwin Park, Ca. I remember everything almost exactly as he wrote it. I've never met Andrew, but would love to so we can join in a class action suit against Income Strategies Institute and HB Products. I would also like to get the local authorities to pursue criminal indictments against them as well.

Were my experience differed from Andrew's or he just didn't cover was the original seminar. It was a free 3 hour seminar, basically a sales pitch for the $199 3 day sales pitch witch was represented to be a seminar and we would be personally introduced and a relationship would be initiated with Real Estate Mentors who specialize in forclosures, pre-forclosures, and REO properties. THIS NEVER HAPPENED! All we got was an incredibly boring story from 1 South American Woman speaking to a group of about 200 of us.

It was represented at the 3 hr seminar that we would be provided a program for MACD trading or something like that. This is software for making buying decisions about options trading. All they did was refer us to websites of other companies. They were written down for a few seconds and then wiped away. These programs were represented as being proprietary to ISI in the 3 hr seminar. The words "WE Have" and "We'll show you" were constantly repeated. All they had in the 3 day seminar was a sales pitch.

The biggest part of the Rip off is not the $199 for the Seminar!!! I have now had two charges on my checking account statement by HB Products. This company was never mentioned at 3 hr seminar or as part of the 3 day seminar. Yet they got my debit card information from ISI. They charged me $59.95 for set-up and hosting of a website. A website they never discussed from a company they never discussed. I have now been charged twice. I've called the Police in West Jordan UTah and they won't do anything, saying its a civil matter. It may be, but this is also a criminal matter. HB products insists that I signed something requesting this website yet they won't provide it.

The only thing I signed and provided my debit card for was with ISI and that was for the $199 seminar about Obtaining an education IN Real EState Investment, Options Trading, and Foreign Exchange trading. This has nothing to do with setting up websites to sell products. I have never received a letter from HB Products stating I had a website. I have never received anything from them except an entry on my bank statement for charges.

If I was running a legitimate school teaching investment strategies, I would be embarassed to be offering a multi level marketing website pipe dream. These people have absolutely no credibility in my eyes and their is no way I would trust them with anything, especially spending thousands of dollars on an education that would be very important to me and my family.

ISI and HB Products, I'm coming after you. If any class action attorney wants to come after these guys I can assure you they have victimized thousands of people. Let's get'em.

William
Westlake Village, California
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!

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.