After having my second child I decided to do something about furthering my education. With my first child two and very clingy to mommy I needed to find something that I could do at home. So, in the package that the hospital gave me when I left I found a leaflet for PCDI ((Professional Career Development Institue))
After searching through various "colleges" such as this one, I decided that PCDI was the best, cheapest, and the representitives were extremely friendly and helpful. So I enrolled in their Medical Claims and Billing courses for $5.00 down and a $24.00 shipping and handling fee.
I was going out of town for a week with no one to pick up my mail soon afterwards, so wanting to get the books and materials as quickly as possible I authorized an electronic check for them to be taken out for the following Saturday. MY father-in-law had a heartattack the next day and we ended up going to Louisiana earlier than expected so while there I called PCDI and asked them if there was any way possible that I could cancel that check and set it to come out of my account for the next Saturday after that. The man being very friendly offered his condolences to my circumstances and said that it would be handled.
Needless to say I was quite surprised when I received my books the day that the check was supposed to come out of my account. Then I started receiving notices from my bank stating that I had bounced a few checks. Knowing that this was impossible because I had put enough money in the account to cover them I asked for a list of items withdrawed from my account.
Seeing that PCDI had not canceled the check I was furious, I never having bounced a check before in my entire life and having a good name at my bank for that reason, called PCDI to see what had been going on. COme to find out PCDI had not canceled the first check they had enrolled me in the course all over again. So now I was enrolled in the same course twice..((surely the reps can't be that moronic to believe that the same person would want to do that)).
I was told that the second check would be deauthorized and would not come out of my account. SO i decided to let things go((even though I would have to pay the $17 charge for the bounced checks)). Well it being near the holidays I wrote more checks and needless to say PCDI did not cancel the second check either. They took it out of my account (( BTW I never received the books that I ended up paying for with the second account haha)) anyways causing a total of 5 checks to bounce. Making the grand total of checks bounced now 7.
This was around the time hurricane Katrina hit and I have a lot of friends and family there that were effected by it. SO I was helping them out as much as possible. Which made money tight around my house. SO now angry and deciding to myself that I was going to receive my money back (( not being unreasonable at all I'm still enrolled)) for the fee's incurred because of the first check clearing early and all the charges for the checks bounced. Plus my money for the second PCDI check and all checks bounced because of that one.
I called PCDI and after being on the phone on hold for 1 hour and 45 minutes I finally got a hold of a representitive. SHe told me that I would have to have my bank fax them a copy of my statement so that the charges could be reviewed. Then I would be returned all money decided was owed to me because of PCDI.
After two weeks of not hearing anything I called back (( another hour long wait on hold)) and was told that my bank never faxed the statement. So again I called and had by bank fax PCDI my statement. Another two weeks and no word so I decided that I would take a few pointers from my father (( sales reps nightmare)) and DEMAND my account to be looked into. I was told that it was under review at that very moment.
Needless to say one month afterwards I finally received a check from PCDI in the amount of $29.00 far from what I see they owe me.
DO NOT GIVE PCDI YOUR ACCOUNT NUMBER!
It's a mistake that I have learned the hard way.
They are a complete rip off
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
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.
We are Consumer Advocates. ...the victims' advocate
WE are Civil and Human Rights Activists
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.