Complaint Review: MWI Essentials Plus
- MWI Essentials Plus
- Phone: 877-244-8258
- Category: Consumer Services
MWI Essentials Plus fraudulent billing! They billed me for membership fee I never authorized or requested. Rip-off! Garden City New York *EDitor's Suggestions on how to get your money back into your bank account!
I told the woman I was speaking with, Belinda, that I made no such purchase. She explained to me that an introductory offer was sent to my home with a 30-day free trial membership for this subscription. I asked what the company had in its possession from me authorizing such a purchase. I got no answer to this question, but she did say that my account would be credited, and gave a reference #15045.
I checked with my credit card company this am and was told that I was credited only $159.95. I called Essentials Plus again, and was told the credit was pro-rated. I was not told this the first time I called. I told the person I was speaking with today, Hinchin, that I wanted a full refund today. I was told that it would take two business days and was given her supervisor's id # of C14166.
I phoned my credit card company back and was told that the finance charges accrued would be "taken care of". The absolutely amazing thing about this is that I was told by
three different people from the credit card company, AND the mayor's office on consumer affairs, that this WAS LEGAL... that once a company has my credit card number for a purchase over the phone or the internet, they could, in fact, charge me for something totally different in the future WITHOUT my permission.
If someone stole my credit card and charged something I did not authorize, wouldn't they be arrested?? So far, this has taken nearly 4 hours of my limited time and has caused me extreme aggravation. And, I will be wasting even more time reading every piece of junk mail sent to me. Thank you for whatever can be done, or for whatever information you can give; and, thank you! for having this WEB site!!!
Click here to read other Rip Off Reports on MWI Connections / MWI Homeswork / MWI Essentials
CLICK HERE ...*EDitor's NOTICE ..MWI Lawsuit filed
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
Don't let them get away with it.
Make sure they make the Rip-off Report!
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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.
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This report was posted on Ripoff Report on 10/18/2004 09:42 AM and is a permanent record located here: http://www.ripoffreport.com/reports/mwi-essentials-plus/connecticut/mwi-essentials-plus-fraudulent-billing-they-billed-me-for-membership-fee-i-never-authoriz-113423. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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