So for almost a year now I have been getting 4 charges a month on my bank account. 1) 29.95 to privacy matters 2) privacy matters 1-2-3 and then an additional 1.00 charge for each of those.
The reason I haven't noticed these charges was because for the last year and a half, up until about there months ago, me and my roommate couldn't afford Internet.
So checking my account online wasn't an option so i would just call over the phone and check my balance, along with paying credit card bills rent and car payments it never really occurred to me that 62.00 went missing every month.
Well about 3 or four months ago I moved back home where I now have Internet. And I Noticed the 4 charges every month and just in the last couple months it overdrew my account twice. And that's when I finally noticed these charges.
Total charges from privacy matters and privacy matters 1-2-3 is 749.80 plus 4 overdraft charges directly from them which is 136.00 not including times where they took out money and it came out but then me not realizing that 70.00 i thought was in there was gone and got an overdraft charge.
I called the numbers attached the the charges but it was just a recording telling me to go online and of course I did and when I typed in my e-mail address it said they found my member profile. They sent me my passwords and canceled both of the accounts.
I haven't called my bank yet because I didn't think there was anything they could do. But now i think I'm going to and have them file a report.
But does anyone know if there is anyway to get my money back ? I lost almost 900.00 and that's a lot for me. But I'm scared that its been so long and that it went on for so long I wont ever see my money again.
*EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!
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.