SEOGUIDE - FASTAUCTION PROFIT - SMARTNET DEVELOPMENT - MYSEOGUIDE RIPOFF TAKING UNAUTHORIZED MONEY FROM MY BANK ACCOUNT IS STEALING IN MY BOOKS ST. GEORGE Utah *EDitor's Suggestions on how to get your money back into your bank account!

I normally keep really good trake of my bank account.
So when I called the automated line to check my balance,and make sure all my deposits had gone thru.
I was quite surprized to hear my account was over drawn.
i pulled out a last months bank statement to see what had all the withdraws had been.

And there it was a $49.95 auto matic withdraw from a FASTAUCTIONPROFIT complete with a phone number 866-652-0479, UT.

As I continued to look at my statement I found another $9.95 drawn out by MYSEOGUIDENET with there phone number being 866-652-0479, UT.

My red flag went up right then here was two withdraws out of my account that I had no idea had been done by two different places but with the same phone number.
i continued to look thru my bank statements to find out how long this had been going on.

Come to find out the first withdraw was for $1.97 on Sept.15 06

All together they had taken 3 withdrawls of $49.95 and 3 of #9.95 and 1 of $1.97.

So I went online to see if i could look up this so called SEOGUDE and it brought me straight to here.
So I called my bank and told them what was going on.
They told me I would have to call the phone number on my bank statement and demand my money back from them first.
When I called them they answered the phone as smart net and put me on hold for 5 to 10 min. and when they did answer they just said how may we help you today,I replied back not so nicely yeah you can give me my money back that you took out of my bank account with out my authorization.

Of course they had to have my name and address and all that other stuff.So I gave it to her and she replied back to me did you not order a CD and I said NO Mame I did not she then suggested that mybe a friend of mine that knows my bank account info must have sent it to you as a gift.

I ask her and just how does that give you MY permision to take monthly payments out of my account.

I futher told her that I did not order no did I get any so called CD. And I was not going to continue to allow almost $60.00 to be taken out of my account every month for whatever there bullshit reason was. She transfered me to there corporate office with a cancelation code.
They cancelled the so called account they said I had with them as well as told me that they would redeposit ALL the money they had taken from my account with in the next 5 to 10 bussiness days.

I asked them what about all the overdraft charges on my bank account. She said they could not do anything about that I would have to talk to my bank, so I did in which I have a really wonderfull bank.They looked at my history and seen I had never been overdrawn in the 4 years I had been with them so they reversed the overdraft charges that day Along with canceling out my debit card and sending me a new one so that this fraud company could not make anymore withdraws.

It has only been 5 bus. days since I talked to them and still no deposits from them yet. So I called them back today and thanked them for ruining my kids christmas this year.

Mindy
Geneva, Iowa
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!

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...the victims' advocate

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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.