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Report: #453492

Complaint Review: Starter Credit Direct - Internet

  • Submitted:
  • Updated:
  • Reported By: largo Florida
  • Author Confirmed What's this?
  • Why?
  • Starter Credit Direct https://startercreditdirect.com/ Internet U.S.A.

Starter Credit Direct. electronic Check Fraud withdrawn $99.00 from checking without authorization Sherman Oaks California *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

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It happened a couple months ago maybe in February or March not sure. I have paper work somewhere, but cant find it. But this company whomever they think they are, they took money out of my account w/out my knowledge ($99.00) and from there on made all my transactions overdrafted to 200 something dollars. which the bank was "supposed" to be insured and have the right to protect our account gave the authorization for them to take money out. and if i remember right the check that this company made was so bogus looking, that it did not look like a regular normal check that we all would use, because where my name and physical address was located had only my name and my email address with the city and state. and where i was suppose to have my signature, it states "pre-authorize" or something like that, no signature required. crazy!
so i called the bank and ask, guess what they did nothing. only kept pushing me around giving me all these phone numbers to call, dude it was like 10 pm. i had to work the next morning, so i was not goin to waste my time.

so the next morning on my lunch i gave this company a call because i googled their site, and the phone number that my bank gave me to call them. which i did and this man came on he asked me for my info. he pretty much knew everything about me from my name, address, social, even my mother's maiden name???!! wat the hell so he told me they will do a refund. so he sent me an email containin what i should do to receive it. i came home printed out the information he sent.

next day, which i was off from work. waited for my bf to get off around 4pm went into the bank and had to take care of it that way. told them everything that happen, and how i have no clue what or who this company was. which was better than being on the phone. they refunded every penny i had that went negative because of this stupid company, and they even gave me a new checking account just in case something like this happens again. which was nice of them and i appreciated the help they gave me.

so if anything ever happen like this again. make sure to call the bank first because they will help you. they can and will reverse/reimburse every penny u had. so let the bigger company/corporate go after stupid companies like that.

Noi
largo, Florida
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
RipoffReport.com
Author of www.ripoffrevenge.com

Rip-off Report
PO Box 310, Tempe, Arizona 85280

This report was posted on Ripoff Report on 05/19/2009 06:12 PM and is a permanent record located here: https://www.ripoffreport.com/reports/starter-credit-direct/internet/starter-credit-direct-electronic-check-fraud-withdrawn-9900-from-checking-without-autho-453492. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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