Payday-Loan-Yes Tim Atkins Made settlement, paid them by debit card, they still went into my checking account and took $270.00 which they won't return. Lied to my bank that they had authorization (which they forged) to do it. Chicago, Illinois *EDitor's Suggestions on how to get your money back into your bank account when someone wrongfully takes it from you!

I had a payday loan with this company. Shortly after getting the loan i used Montrose Travel to book a weekend stay for my daughter at the Marriott Barefoot Landing in Myrtle Beach, South Carolina. For some reason the Marriott started putting holds on funds in my account and actually withdrawing funds. I found this out after things started getting returned NSF. I contacted all of my creditors that have monthly auto drafts with. Payday-loan-yes was one of them. I talked with Marabella and explained the situation with her.

Asked if they would let me pay the loan off and waive the fees because the account was messed up and I didn't know what to do. My other creditors agreed. The only problems I had was with returned checks. Marabella said she had to talk with her manager and see if they would allow that. She then told me they would do it if I could pay with a debit card. She said they would waive the fees and I could just pay it off but wouldn't be able to do another loan. I told her that was fine with me. I made arrangements to pay by debit card.

However, Payday-loan-yes then put funds on hold approximately 5 separate holds. I kept calling them and was told that they would refund the money to the account as soon as they got a printout from their bank that the money was actually taken from my account. They released a couple of the $350.00 holds but made withdrawals in the amounts of $105.00/$105.00/$30.00/$30.00 which they didn't return. I have called, sent e-mails and the like. When I talk with Marabella she just says she doesn't know why Tim won't return the money but he is the manager.

I made a claim with my bank. They said they would have to contact the merchant and see if they would pay the bank back if they reimbursed me. I just got a letter from my bank with a fake computer generated authorization this company is saying they received from me in August. That is a forged document. I didn't give them authorization to do an ACH. I don't know where to turn at this point but can't afford to take another hit like this. I need your help.

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 RipoffReport.com Author of www.ripoffrevenge.com

Rip-off Report PO Box 310, Tempe, Arizona 85280