This company called me on Feb. 11, 2005. After talking with my spouse and feeling uncomfortable with the whole deal I called to cancel within 48 hours after they called me so that I would not be debited or out any money. They have, so far, taken over $400 out of my checking account.
When we called to find out why they were still debiting my account after I had cancelled, they told my spouse and me that they had no cancellation record and that these fees were non-refundable.
My spouse works for a reputable in-bound customer service company (yes, there are a few reputable ones still out there). After talking with these people, my spouse told me that many federal laws were being broken.
Also told me that not a one of them was speaking English in the background. From my spouse's work in this type of field, we think they are in Pakistan, India, or Singapore. Those that we talked to we could barely understand.
When we listened to the verification tape there was no mention of many of the extra fees they have been charging me. That is also a violation of the law. There was no outside company verifier which I am told only the reputable companies will use. The verification tape was done by the same person I spoke with originally.
It is my opinion that these are thieves working out of a foreign country and they need to be stopped.
My bank advised me to close my account out and open a new one. We are also contacting the Attorney General in our state and possibly the U.S. Attorney General's office.
Every phone number anyone finds for this company will go to the exact same office. The supervisor there is supposedly named Engril. They are using American names, such as "Chester Lawrence". In other words, they are all using fictitious names.
We called three different phone numbers for this company trying to find someone in the U.S. that speaks clear English and we got the exact same office with the exact same supervisor at each number.
If anyone knows how to get the money recovered and stop these people I am interested.
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 bad
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.
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We are a Worldwide Consumer Reporting News Agency ...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.