Report: #305097

Complaint Review: Privacy Matters 123, Your Savings Club

  • Submitted: Thu, January 31, 2008
  • Updated: Sat, March 08, 2008
  • Reported By: murfreesboro Tennessee
  • Privacy Matters 123, Your Savings Club
    Des Plaines, Illinois

Privacy Matters 123, Your Savings Club Privacy Matters obtained my husbands debit card account this is when the trouble began Des Plaines Illinois *EDitor's Suggestions on how to get your money back into your bank account!


Show customers why they should trust your business over your competitors...

Privacy Matters 123 & Your Savings Club have my husbands debit card number and email address. They say he purchased their services. In December they took $29.95 & 2-$1.00 fees from our bank account.

Unfortunately I did'nt catch it right away so in January they did the same charges again. Money is tight and when I saw my bank statement and we are overdrawn by $175.00 I began to investigate and saw the charges from the 2 companies.

I call the bank and told them that we did not authorize the charges and I want to dispute them. Anyway, the were able to find the phone number for privacy matters.

I called them and told them to put the money back in my account and at first they said no. I persisted they said I would put back the January charges but woud not do Decembers. I ask to speak with a supervisor and got one by the of Evon ID#641009520.

I explained my complaints and ask how they got our info, she claims my husband joined their club and I know he didn't. She finally agreed to put back decembers charges.

Then I explained that it's their fault were overdrawn and I feel that they should cover the bank fees. She had the audacity to tell me if I fax my bank statement with my account # highlighted to her their consumer affairs dept would look it over and decide if they should pay.

I'm not that stupid! Do they really think I'm going give them more info to burn me. Now I don't know what to do to get the overdraft charges paid by them. I will not fax my bank statement, so where so I go from here?

murfreesboro, Tennessee

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 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, Rip-off & Author of

Don't let them get away with it.
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This report was posted on Ripoff Report on 01/31/2008 09:33 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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Updates & Rebuttals


#1 UPDATE Employee


AUTHOR: Csr - (Canada)

As an employee of the company I deal with these kind of calls were people are saying they did not authorize charges, however do people even read the terms and conditions? For example, you are online looking for your credit report, are asked to put in your credit card or debit info, you do so and are clearly told that you will be in a trial period and charged 1.00. Then it clearly states that after the trial it's at a monthly fee. The contact info is all in the terms and conditions and you would think that if you are disclosing your account that you would read them, but many people don't and then wonder why they were billed after the trial.

Once you agree to a program you will be offered more and is you also accept those, after the trial you will be billed for those also. There is no excuse for being billed for months and saying you could not contact us since our phone number and program name is next to the charge on each statement. We usually only issue the current refund as per the terms and conditions for that reason. If it was a mistake on your part and you want your money back, just say so don't lie about it saying you never did it since we have the web site your were on and your e-mail address that we sent the welcome email to.

The majority of people think that the meaner they are and the louder they yell the better custumer service they will get but as an employee I'm telling you that is not true. As a person you would rather help someone who takes ownership for their oversights.
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