• Report: #209868
Complaint Review:


  • Submitted: Thu, September 07, 2006
  • Updated: Thu, September 07, 2006

  • Reported By:brooklyn park Minnesota
http://membershipplus.biz Las Vegas, Nevada U.S.A.

MEMBERSHIP PLUS deducted money from my bank account for services I never signed up for or was even aware existed ripoff Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account!

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I was checking my bank account online this morning, when I noticed an unauthorized deduction via electronic funds transfer for the sum of $21.95. The cooresponding name to the deduction was Membership Plus. I was unfamiliar with said company, so immediately called the number associated with the deduction and company. I got the run around, of course.

The first phone call was brief and ended with me aqcuiring a confirmation number for my canceling the membership for the services. I was basically hung up on when requesting that a refund take place or a supervisor put on the phone. The CSR told me no supervisors were available and a refund would be given within 5-10 business days. I was not satisfied.

I called back and was on the phone much longer this time. The CSR kept telling me there was no physical address she could give me - I was threatening to file legal documents and stating I needed a physical address to do so. Nothing. I was repeatedly put on hold, as it was obvious she didnt know how to handle the phone conversation - I was threatening legal action, demanding my account be reimbursed this business day, demanding a physical mailing address, demanding to speak to a supervisor (all after finding ENORMOUS amounts of complaints about the company online and suggestions of handling the phone call in such a manner).

Eventually I got a supervisor. I demanded and requested all the same things I had with the two CSRs, the supervisor was far more short, blunt, and downright rude. I got heated up and told him "i want my f**king money in my bank account" (the one and only cuss word i used, outside of a "d**n" and "hell" - he told me if I swore again he would hang up. I told him I would call back. He said hed be waiting and hung up on me.

I then called my bank and filed fraudulent activity reports and what have you. This is ridiciulous!

The company could not tell me how I'd signed up for their services, only that "it must have been when I enrolled for other associated services or applied for an online payday loan". I had applied for an online payday loan, two actually. But Membership Plus is, as you might guess, not associated with either. And I've enrolled for no services of any kind.

I'm hoping my bank will help and am looking for any and all assistance on resolving this matter and informing others of the scam - help!

brooklyn park, Minnesota

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!

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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.

This report was posted on Ripoff Report on 09/07/2006 06:17 AM and is a permanent record located here: http://www.ripoffreport.com/reports/membership-plus/las-vegas-nevada/membership-plus-deducted-money-from-my-bank-account-for-services-i-never-signed-up-for-or-209868. 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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