• Report: #630285
Complaint Review:

Platium Trust Card

  • Submitted: Tue, August 10, 2010
  • Updated: Sat, March 19, 2011

  • Reported By: Rosie — Groesbeck Texas United States of America
Platium Trust Card
Transvillia, Pennsylvania United States of America

Platium Trust Card Platinum Trust Card took 89.00 out of my account. Platinum Trust Card is a fraud! Transvillia, Pennsylvania *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

*UPDATE EX-employee responds: To correct you..

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To Whom this may concern I am reporting a fraud. Platinum Trust Card took $89.00 out of my account I didn't even give them my information I don't know how they got it!!!! Well me and my bank looked up there site and it says on there that Platinum Trust Card is a fraud!!!

EDitor's Suggestions on how to get your money back!


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!


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.


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

This report was posted on Ripoff Report on 08/10/2010 01:51 PM and is a permanent record located here: http://www.ripoffreport.com/reports/platium-trust-card/transvillia-pennsylvania-/platium-trust-card-platinum-trust-card-took-8900-out-of-my-account-platinum-trust-card-630285. 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.

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Updates & Rebuttals

#1 UPDATE EX-employee responds

To correct you..

AUTHOR: FORMERPTC1 - (United States of America)

Your given terms and conditions at the end of the call. That company cannot touch an account unless you agree to the terms that are stated, if tthey hear a yes.. the fee is non refundable.. If you want your money back because you feel mislead, screaming at the rep will actually slow the process down of you recieveing a refund.. They have a policy that the follow and procedures to get your funds back to you.. So take a minute before contacting Customer service and re think the calll in your head, if you have to ask if this acrd is used on a website, its because you most likely heard the rep say website, and maybe just maybe you feel salty that you didnt ask the right questions..

This company is not a fraud, if they were would they be able to report to all three major credit bureuos? How can they actually build your credit score? The fraud is the people who get the calls for the card.. All the half listening customers of PTC card, that honestly are the ones who lie when they have their recorded conversation played for them.. Even when they hear that the rep said website, online, non refundable, intial down payment "oh he never said website.. i asked him specific questions and he said this was a visa mastercard amex and i could use it anywhere like at tommy barber shop and check cashing, he told me i could by my baby anything she wanted and from anywhere, uh huh yep i asked him if it was an online catalogue shopping club card" and half of you guys dont ask anything!! Trust me, i use to work for platinum trust before i just had enough of the constant b.s from the customers. They would say that ptc was a scam and that the customer service sucked, HA! I literally had to tell a customer, look in the mirror which was not professional at all but it was the honest truth, she said she never agreed to the terms, better yet, that ptc had never spoke to her, yet they had her credit card number. They just dont get that info out of the air, you foolish customers provide it, duh.. Just like you put all your info on the pay day loan..

So in closing, once again, because i will defend my former employer, its called SELF ACCOUNTBILITY, look it up along with catalogue and non refundable.
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