RX Financial - GoTec And RX Find.com ripoff artists done their homework know all the loopholes MUST BE Stopped nothing but lies and excuses won't return call till its too late St. George Utah *EDitor's Suggestions on how to get your money back!

I was contacted the middle of September. I was waiting for a verification call from a loan company. When I answered the phone I assumed it was them. We all know what assume means. They started asking me to verify my name, address and bank information. Then they said I was accepted for a $5000 dollar Visa card and that my account would be deducted $189.95 plus S&H of $29.95.

That was then I realized that it was not the loan company I was expecting and asked them how they got all of my information. They said they had gotten it from a company affiliated with them that I had recently applied for a card and was turned down. I had been so I was thinking it was legit. I told them I would not have the money for a month or two and they said it was no problem that I could call and change the date or cancel it anytime I wish. The money was to come out of my account on Oct 8th. I started calling the last week of September. I kept getting a recording saying customer service would call me back the following business day and all calls were made after 5PM. I called everyday and still the same recording and never received a call back.

I finally decided I was just going to cancel. I called on the 1st of Oct. again a recording. I left my name and number and request to cancel and told them do not take money out. I left this message everyday. Finally on Oct. 6th I received a call back. They said it was too late to cancel and it was too late to stop the money from coming out of my account for me to do a stop payment at my bank. I stopped it and it did not go through. I was told if it didn't go through that I would be cancelled out of their system. I thought I was safe but on Oct. 15th I had charges taken out from a company I never even heard from $299.50 and on the 16th a charge for 219.90 from a GoTec. I called GoTec and found out they were the check processors for RX financial.

My bank would not honor the stop payment because of the name change and the fact it was not a ACH but they did it as a paper check even though the check number was waaaaay off. I tried calling and again-answering machine. Oct. 29th I received the package. I immediately called customer service and actually got through. I told them that I did not authorize this and they took the money anyway and that I was going to send it back and they better give me my money back or they'd be talking to my lawyer. He said the refund would take 4-6 weeks. I told him it didn't take that long to illegally take it out of my account and that I was lied to about what I was to get. He said if I would do the CD I would get not one but 6 different cards and if I didn't I could get a refund.

I told him that that's not what the letter said. The letter said that if you use the CD your refund was voided and what about the fact that I was lied to and them taking the money when I cancelled. He said I could get an immediate refund if the tape showed I was lied to and to call back the next day. I did and was told it was not ready to call Mon. I called Mon. and Tues. still not ready. I returned the package Tues. I called today (Nov. 3rd) and was told that I was not getting my refund because I sent the package back without calling and cancelling. The operator was rude and hung up on me. I immediately called back and asked to speak to the head person.

How convenient, the supervisor, was the one I was supposedly talking to. I told her of the rude person and her hanging up on me. She was just as rude and said that I did not call to cancel that the only thing the notes said was that a tape was pulled. I told her that I did cancel Thurs. and told the person I was sending it back and was told to call back. She still insisted I didn't. I told her the full conversations all four days and that the person didn't do his job. She said she would talk to the two males and see which one I talked to and ask them and to call back tommorrow. I asked her name and she relunctantly said Lee which is probably a lie also. They have to be stopped!

I also found out that they are probably in with the other two companies that took money out of my account. I had to close my account because of this company and the two others and I now owe the bank over $900 if I can't get the money back. I filed fraud papers with the bank but they said it would probably not do any good cause these companies always have recordings saying they were approved. I was in a financial bind to begin with and that is one of the reasons I was so easily coerced into this but all it has done is made things worse. The bank, the post office and the Attorney General can't do anything. Who else is left to help?

Sandra
Taylorville, Illinois
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 you 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/comptroller 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!

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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.