RX Financial, Protel ripoffs and lies Saint George Utah *EDitor's Suggestions on how to get your money back into your bank account!

In early September, RX financial called my house and my husband answered. They said they were approving us for a credit card and they would said forms. However, we were not interested, and I heard him say "NO" and "Sorry, I'm not interested" several times during the conversation.

However, my husband knew that the guy wasn't taking no for an answer, and he was told he could get a refund *after* they sent the package, so my husband asked for the customer service number to make sure he wasn't getting anything that we didn't want.

He called them several times, each time asking to be cancelled. On the second or third call, a really "nice" lady said that it was no problem and he heard her typing stuff on the computer. She said just to call back again before the 17th of September (I think that was the day) just to make sure it was canceled.

But even before the 17th, the money was taken out. $219, gone. Not only that, but we saw a charge of $59.90 from Protel, which we had no idea was related at the time. When we called Protel, they said they had him on a recorded line agreeing to the offer, which 1.) Protel never called on the day in question, and 2.) My husband had said no to RX Financial, which we found out had told Protel to charge us as well.

Last I checked, $219 AND $59.90 is not the $219 they said they were charging us, even though we said we didn't want it. So we called Rx Financial's customer service number again to see what was going on. They said they could only refund us AFTER we sent the package back. (And Protel said they didn't do refunds at all.)

We recieved the package a few days later, and is said if we sent it back, we would get a refund. So we sent it with a tracking number so we would see exactly when they got the package back. They got the package on a Thursday. The next week, my husband called customer service again to find out the status of the refund. "You'll get your refund in 3 to 5 business days." So we waited 6 business days, and called back when we hadn't recieved it yet. We called on a Thursday, and they said "You should have your refund by Monday."

No refund on Monday. Another call. "We only do refunds on Mondays, your money will be in your account today or tomorrow at the latest."

No refund on Tuesday. Another call. "Your refund will be in tomorrow at the latest."

No refund on Wednesday. Another call. "They told you 3-5 business days? That was a mistake. It was 6 to 10." Another call, same day, different person. "If you don't get your refund by the 11th (next Monday), call back." YET ANOTHER CALL, same day, "Whoever said the 11th was wrong. You should have your refund by tomorrow, if not, make sure to call back."

Notice that we made AT LEAST 7 calls, there may have been more, each time my husband was on hold for like 20 minutes, and each time they give us a different answer. It is now 2 days since our last call (We would call more often but we have to work and can't make calls from work), and still no refund.

And to top it all off, I checked my bank statement and a company called WPI*Ifriends started taking out money from our account around the same time as Rx Financial and Protel. Now I am wondering if THEY are in on the same little scam too. THIS company has taken about $20 from us so far.

So now we're out about $300 for an offer we said NO to in the first place. ARGH! Help! I feel like pulling out my hair.

Cal
cheyenne, Wyoming
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.