Milinex Power Storm Vacuum Charged Bankcard 156.85 ripoff Commerce California *EDitor's Suggestions on how to get your money back into your bank account!

I watched a television advertisement on 5-20-2006 about Power Storm Vacuum by Milinex.This advertisement made statements of purchasing a vacuum and receiving another vacuum free.This struck my interest.

I called the customer service order# that was displayed on the tv screen and a telephone prompt confirmed the name of the product that was on the television directly asking for my name, shipping address and phone#-Then it asked for my credit card# and offered several different options concerning the product except for the offer made on tv-

I never selected an option - I held the phone to see if a csa would pick up but they never did -so I hung up the phone-

The advertisement contained an e-mail address so I logged on to the web-site to find another contact# and I did (1-800-716-8667) after dailing several times and waiting approximately 10minutes each time the line would click off (but it ask me to hold for a csr and there was music playing while I waited)

It also states to e-mail them for a faster response- (so I did )-

my first e-mail was just to ask questions on the product and to make absolutely sure the phone order did not go through-(I received a customercare response stating they will contact me a.s.a.p)

well.. that never happened - so I sent 2 more e-mails
explaining what took place on the phone and requesting that they confirm by e-mail or phone that my bankcard will not be charged -(I was never contacted)-

On 5-24-2006 my bank acct was charged 156.85 by this company using 1-800-278-6886 as a contact #- The product was only one payment of 59.85 or (3) payments of 19.95-(I am very upset)-

My husband made contact on 5-26-2006 using 1-800-278-6886 and was issued a order#3733672 by rep 15- He was told it will be 5 working days until the acct will be credited - (still no credit)(or product)-

There was never an order confirmation- I never gave them permission to charge my account-and I never chose the product that I wanted to order-(HELP!!!)

Lita
Goldsboro, North Carolina
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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We are not a collection agency.

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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.