RPM RPM, Unauthorized debits taken out of my account TWICE!! Bothell Washington *EDitor's Suggestions on how to get your money back into your bank account!

Where do I begin. Well lets see it all started when RPM would call my house several times a day. Harrassing me and my family. When we got our income tax my husband decided to pay them off. He called them and the bill was actually for $484.00 but they settled for $323.00. We were very satisfied with that amount so my husband gave them our account information. A couple of days later I called my account, and there was a withdrawl of $484.00!!! after we had agreed to settle for $323.00.
Naturally we called them very upset. They acknowledged the mistake and put the money back into the account like a few days later.

Well, the money was there and they never took out the correct amount afterwards. So actually I could have just withdrawn that money and never paid them right? Well, no, I was honest and called them back and gave them my debit card and they took out $352.19. (I guess they charge a fee) Well anyway, I hung up with no regrets, feeling good about paying them off. Well, this morning I get up and call my account and there is a $340.34 charge on my account EXTRA!! that they had taken out on top of the settlement charge we had agreed on. Now my account is overdrawn. I don't have the money to pay my bills now that I did before.

I called them back and spoke with a lady named Maria. She is apparently a manager over there. She could not explain to me why this had happened again. She then proceded to tell me that they would have this resolved within 72 hours to a month. I was like no I need that money today!!! I have 2 children to support and bills to pay and can no longer do that now because you people have ripped me off once again!!! I told her I would be getting in contact with an attorney and my bank explaining the situation. She then got rude with me and said I was threating her and wanted to know if there were anymore threats I wanted to add to the account. Well, anyway the call escalited and I just hung up.

I am so fed up with these people. I want to know what I can do do bring them down. I will do what ever it takes. If anyone is interested please get in contact with me. Let's not let these people get away with all of this it is illegal.

Tina
Plainview, Texas
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
badbusinessbureau.com
www.ripoffreport.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.