LeanLifePM LeanLife Fraudulent unauthorized bank charges made on my bank account ripoff Ontario California *EDitor's Suggestions on how to get your money back into your bank account!

on 2-28-06, I ordered a free 7 day trial with a 5.95 shipping charge, that I paid bi debit card. Before I even recieved the sample I both called in and cancelled any further shipment and I emailed a cancellation, as my dr. told me that I should not take this.

On 3-13-06 my bank account was charged with an unauthorized charge of 97.41 from the LeanLife Company. I called my bank because I recieved an overdraft notice, wich caused me a 29.00 fee, and the money that LeanLife stole from my account was my grocery money until the next payday.

I took a payday loan to cover the overdraft and deposited the money, so the bank did void my overdraft fee, but that still left me short on funds for food and we have a house of 8: 2 adults, and 6 kids. The bank told me (Washington Mutual) told me they could do nothing about the unauthorized charges, which by the way I did both call my bank and go into my bank on this matter and was told by both means (telephone & in person) that I would have to take it up with the LeanLife Company.

On 4-03-06 I spoke to Gerri in customer service (it took me calling constantly for several days to get someone on the phone). I explained my situation to Geri, she gave me an id # 9055317, and she told me to return the product for a full refund (also I was supposed to have recieved 2 bottles, and I only recieved 1 bottle). She said I would be refunded within 30 days. I returned the product on 4-04-06 (I also had to pay to ship it back 7.95).

since then I have recieved no refund, I have written several letters to the company, and corperate office, I have also made 100's of calls to the company and coperate office. I have revieved many promises of a call back and of a refund, but have never had either, or even a response to my letters.

On 3-15-07 I heard about rip off report, I went on the site to check it out. I read about the regulation e form. on 3-16-07 I called and went in and picked up the form, gathered all my proofs, and took it back to my branch where the manager sent it all in. I was credidted back the 97.41 by the bank.

Then they took it back and re-deducted the 97.41 back out of my account, saying too much time passed between the debit and the regulation e form and proofs being sent in, but I had contacted in phone and in person my bank about this and no one told me about the regulation e form they told me I had to take it up with the company. Now I am sending you this and also I am filing a report with the Oregon Banking Commission.

Thank you for the tips on helping to get your money back, and I am very interested in a class action suit!

Michelle
Portland, Oregon
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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...the victims' advocate

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...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.