PC One Club ripoff dishonest false advertisement fraudulent billing Champlain New York *EDitor's Suggestions on how to get your money back into your bank account!

I filed for Bankruptcy about four years ago. Trying to get back on good standings on my credit because someone had stole my Identity.

On July 21, 2005 PC One called a guy name Tony ID#415 told me that I would start fresh in making my credit good; that they would help me and others that filed for bankruptcy. They sound all good and I did what they asked me to do. Do a withdrawal of my account check by phone in the amount of $349.00. Will withdraw in a couple of days. He said the I would receive a master card via Fed Ex after confirmation of withdrawl of my account of $349.00. Finally on August 11, 2005 the funds were witdrawn. I faxed over the eletronic check from my bank to them and Tony called me back and said I should be receiving the card with in 3 to 21 days.

21 days past never received anything; Middle of Sept. 5, 2005 called them back through CCR told them I never received the card and told the lady to cancel the order and I wanted a refund, so she canceled the order and said that I would be receiving the refund withen 21 days.

21 days past again, kept calling and getting the run around through CCR Customer Care Relations. Told me the holidays are here and would expect the refund on January 4, 2006. Called on January 11, 2006 and every week after that, CCR kept saying that the sent them PC one a refund notice and it is top priority, January 31, 2006 Talked to Louise ID# 401 told me that PC One had check ready but haven't sent it out.

From January 31, 2005 on to April 2, 2006 CCR kept telling me they do not have any updates on my account and refund.

April 10, 2006 CCR read a letter stating its from PC One that they regret they could not help me on my refund and CCR is no longer handling PC One's account for customer services.

Anyone out there that would help me in getting my refunds back and nail these cons. All I want is to get my Money back!!!!

Darryl
Phoenix, Arizona
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

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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.