Complaint Review: PVC INC. eCLUBUSA (8775322800)
- PVC INC. eCLUBUSA (8775322800)
501 W. BROADWAY PLAZA A#321
SAN DIEGO, California
United States of America
- Phone: 1-877-532-2800
- Category: Internet Fraud
PVC INC. eCLUBUSA (8775322800) eCLUB USA MEMBERSHIP SERVICES THEY TOOK $45.00 FROM MY BANK ACCOUNT WITHOUT MY AUTHORIZATION AND CAUSED AN OVERDRAFT. I AM NOW DIGGING BACK THROUGH MY RECORDS TO SEE IF THEY HAVE TAKEN OTHER FUNDS. I WOULDN'T HAVE THOUGHT MUCH OF SAN DIEGO, California *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!
I recieved a statement from my bank today showing an a $45.00 withdrawal made by PVC, Inc. It showed "no signature required. Authorized by customer" in the signature line.
The main reason I took notice is that this caused an overdraft to my checking account. I noticed immediately since I knew not to use this particular checking accout since the funds in it are low at the moment. It's just an account we deposit into and spend from randomly.
I do not know who PVC, Inc is or what I am being charged for, but I intend to find out and I intend to get my money back.
I am going to ask my bank to forego over draft charges and have them flag my account to keep this from happening again. After reading the other complaints, I am going to go back through my files and see how long this company has been dipping from my till.
These are deceptive business practices and these people know it! NO ONE reads every bit of fine print on every single web site and PVC, INC apparently is capitalizing on that fact. Just because it's legal doesn't make it right.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 RipoffReport.com Author of www.ripoffrevenge.com
Rip-off Report PO Box 310, Tempe, Arizona 85280
This report was posted on Ripoff Report on 03/27/2010 05:41 PM and is a permanent record located here: http://www.ripoffreport.com/reports/pvc-inc-eclubusa-8775322800/san-diego-california-92101/pvc-inc-eclubusa-8775322800-eclub-usa-membership-services-they-took-4500-from-my-bank-586301. 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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