payment systems Corp. MPSI Debited $6000.00 from my bank account Los Angeles , California *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

I started my day like I normally would, checked my bank account to see what checks had cleared and I came to find out that this company had debited $6000 dollars from my bank account completely wiping out all the money I had in there and over-drafted it.  I called my bank who then gave me a phone number of the bank who had made the transaction, I called the bank and they gave me another phone number of where the charge had originated.  They gave me the number to this company, Payment Systems Corp., whom they do the payment processing for.

About a month ago a rep came in my office and began an application for their services. I repeatedly told him that I did not want equipment because I had my own, he said that's how they make their money because of their "low" rates for the processing they have to rent the equipment to make money. I did not want a 48 month contract and I told him I wasnt going to sign up for anything that required a contract. He called his boss and his boss told him to waive the cancellation fees so that I would sign up.

My contract was never finalized because they needed a copy of my bill, it didn't matter whether I took a picture through my phone or faxed it, I NEVER gave them anything of that sort and somehow they still completed the process. Their rep came to my shop one morning and I didnt want to talk to him so I sat in my truck, my dad opened the shop and went into the install bay to move the cars out of the shop.  The rep peaked into the back of the shop and came back to the showroom reached over my showcase and walked out of my store.

Shortly after I received the "new" equipment and no more calls from the person requesting the bill to finalize my contract.  My question is how is my contract legally finalized when it wasnt me that provided that bill.  Isnt tampering with someone's mail a federal offense?  I WANT MY MONEY BACK!!! AND YOU CAN TAKE BACK YOUR EQUIPMENT AND SHOVE YOUR CONTRACT UP YOUR A$$. Oh yeah and after four attempts to speak to someone in their customer service department I was told I would get a call back from the person that handles those issues and I never got a call back.


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