HFC Household Finance they took money out of my banking account without my knowlege or authorization Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you!

HFC took money out of my bank account without my knowledge or my authorization twice in October, the first time they did it I called them and asked them why did they do that, they told me it had been authorized and I asked them by who and when, they did'nt seem to have that information and I told them then to not take anymore money out of my account and a couple weeks later they did again and this they took double the amount they took last, I was furious, I called again and they gave me the same storey as before, this time a called my band and they advised me to call them back and tell to put the money back in my account for both times and reimburse me for the $350.00 over draft charges that was caused by this, well I did and they refused, so I called my bank bank and they said the only thing I could do was to file a fraud complaint with them and they will investigate. they have caused me so much stress not to mention financial problems. I was already going through financial hardship anyway, my mother passed away in may and that put me behind on all my bills so I was struggling to get caught up on everything and this just makes it harder. I really wished I could do something about this because this should be against the law, in my opinion this is fraud.

Mickey
las vegas, Nevada
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.