• Report: #333540
Complaint Review:


  • Submitted: Mon, May 19, 2008
  • Updated: Mon, May 19, 2008

  • Reported By:sunnyvale California

PNI*FREELOTTO FAST RIPP-OFF no ph to call to cancelled without authorization charging to debit card Internet*EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Suggestion: People need to step back a moment..

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when first time it offer free lotto I assumed it 's free but to my shocking, they has been charging to my debit card since may 07 to may 08 for 9.99 a month.

I did not authorized that and Now I can't seem to find 800 ph or how to contact to this company to cancelled that and get money back to my acct.. I had report to bank but told me to get on freelotto.com and find cancellation or ph. no luck

tell me what can I do now ??

Sunnyvale, California

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.

This report was posted on Ripoff Report on 05/19/2008 04:01 PM and is a permanent record located here: http://www.ripoffreport.com/reports/pnifreelotto-fast/internet/pnifreelotto-fast-ripp-off-no-ph-to-call-to-cancelled-without-authorization-charging-to-d-333540. 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 Consumer Suggestion

People need to step back a moment..

AUTHOR: pinksugar - ()

First of all, this company did not just somehow steal this person's debit card information. This person had to have given their debit card to the company in order for them to begin to levy charges to it. This means the charges were not 'Unauthorized.' Quite the opposite, they were at first Authoized.

The transaction becomes Unauthorized once the consumer notifies the Company they no longer wish to pay for the service - and the Company continues to withdraw the charges anyway. Notice must be given.

The writer describes how they just suddenly 'figured out' that the charges have been hitting their account for a whole Year. This means the person has had access to their transactions and statements and never reconciled their account. Reg E is not written so people can ignore the statements the bank sends you. It is not an All encompassing No Fault reg. Consumers have rights but they also have Responsibilities and I think that what the Respondent wrote to the original consumer is irresponsible and dangerous.

Would you advise the same to someone who bought a car & let the car company take monthly payments out for a year - then tell them to demand their bank give them all their payments back just because they were not paying attention to their bank account? That is not how it works.

Reg E does NOT say a bank must give back 12 months of transactions if the customer complains loud enough. There are procedures in place and the customer is to blame here for what happened, Not PNI.

There is a link at the bottom of the webpage to email PNI. It is simple to do. I do not and never have worked for PNI.  I have worked in the banking industry for over 20 years.

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