Star Communication ripoff of bank account Canoga Park California *EDitor's Suggestions on how to get your money back into your bank account!

A few weeks ago I got a call from a man saying he was calling people in Omaha giving them a 500.00 shopping spree to any of the local stores in Omaha for trying their phone card. It would just cost me 4.95 and if I didn't like it I could cancel and still have the shopping spree. They would send this information in the mail and I could cancel anytime before the 10 free day trial and be out only the 4.95. They got my account for the 4.95 and said that I could send the check in during the trial.

I asked every question telling him it was too good and he had a person come on a different line for verification making it sound perfessional. They taped everything and I was just silly, because my gut still said NO! There were three people from connections who asked questions to make sure it was all clear. I was dumb for doing this.

Today I checked my account to find that Star Communication did charge me the 4.95 they said they would for the trial. It worried me because I hadn't heard anything back from them or in the mail with a phone number so I knew my 10 day trial was up today and was afraid I would start getting charged 100s of dollars.

I got on the computer to find that this is a BAD scam everywhere. They are good because they fooled me and I worked them to prove it was all good and they had me assured. He gave me his ID number and name. I was looking on the computer at the same time and saw that there is a Star Communication. I didn't look hard enough. I would just read the info he was sending me. Just like they say "If it sounds to good to be true then it is!"

My bank was wonderful at cancelling my account fast enough that they can't get anymore money, but how they do it is that if you don't check your account in the time around the 10 days they can already have the 150.00 wired and taken out of your account. Banks are not always that fast to cancel. Ususally you have to have things in writting and with this you have no time to waist. It showed up on my account as a transfer with no information for the bank to give me. It is a bother to have to cancel accounts and open new ones.

Just don't EVER trust a telemarketer and nothing is worth giving out your account over the phone or computer. They sound like they are all from India. They get huffy if you ask too many questions and tell them you're uneasy about it. I thought I would wait for it in writting, but I already did the bad and gave them all they really wanted. My ACCOUNT! Don't make my mistake.

Shannon
Omaha, Nebraska
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.

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...the victims' advocate

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...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.