NOVAPOINTE LLC Ripoff COMSUMERS BEWARE!JAVATRIM COFFEE IS A SCAM ONTARIO California *EDitor's Suggestions on how to get your money back into your bank account!

ON May,25 I received several emails informing me that I had won a Walmart gift card.After completed a survey I have to agree to 2 promotion offers.Java trim coffee was one them.It stated on the web site.IF your willing to lose 23 pounds in 12 weeks,we would like you to try Hoodia XPF for free! THE ad instructed
me to click here for a free sample.THE ONLY COST IS 4.87 for shipping and handling.


On May 26,I Checked my account and the 4.87 was deducted from my account, That was fine,I did agree to that charge. May 28, I checked my account again and dicovered that this company had taken out two more charges.One for 69.95 AND 14.95 I could not believe them!I called my bank disputing these charges. I then attempted contact Java trim coffee.

The numbers listed on my banking statements were bogus numbers.I called my BANK back to get a real number for Java trim. it turned out to be an anserwing services.

I LEFT several messages on the answering service stating I never agreed to these charges,this went on for several days!

my calls went un-answered.I NEVER got any e-mails confirmation that they took my money!
I SENT and e-mail to Java trim demanding my money back and that they had ripped me off!

THE following day i receieved and email back from CS@javatrim informing me that it was not the company's fault that people don't read their terms and services. I e-mailed then back that those so-call terms and agrements were not there and i repeatly denied agreeing to those terms. the next e-mail i recieved was copy of their terms and agreements they are a joke I look like they got a monkey to right it up!

I continued to e-mail them about cancelling their services. IT BECAME A E-MAIL battle between this person who I asummed is JAVA TRIM LLP.WE have been e-mailing each other! IT became personal.

ON one emails she sent me telling me "IT was lame people like me that sign up for anything and cry when then they can't have their way,they running to sites like RIP-OFF.COM COMPLAINING so they can sleep better at night!"
I have the e-mail to prove it.

I informed her that I did not sleep good a night,knowing I have been robbed!I told her that GOD nor the justice system will let them get away with it,and she evil to think she or her company would get away with stealing people money!

SHE E-MAIL ME BACK stating she is evil and thank me for calling her calling her that!
I sent yet another e-mail stating I'll willing to settle this matter in court!HER next e-mail stated she was only doing her job and I keep bring god up in the matter,besides that still was not going to get my money back,and they now will take another fee of 75.00 out of my account to prove they can do it, because I AGREED TO THEIR TERM,and that they have filed a police report
claiming haressment!I thought THAT WAS REALLY FUNNY!
FINALLY today after I screamed lawsuit in my e-mail,A young woman call me this morning asking me what was my problem!unbelieveable I stating TO HER as I have always stated that I never agree to it.

I got the same reply" yes you did look at the terms,She informed me that if GOD WAS on my side,why do they have my money!

I COULD LAUGHTER IN THE BACK GROUND!

IT TOOK ALL HAD not to give her a few curse words!
THE terms and services wich they think gives them the right to steal folks money contradicts it owns lies,from the first paragraph to the last.

my last stament to them is I would like them to read it themselves.


Sheila
aurora, Colorado
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!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...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.