• Report: #684905
Complaint Review:


  • Submitted: Thu, January 20, 2011
  • Updated: Wed, February 23, 2011

  • Reported By: Diana — Yakima Washington United States of America
3904 Central Avenue. Cheyenne, Wyoming United States of America

TopTierSavings Money taken from my checking account without my authorization Cheyenne, Wyoming

*UPDATE Employee: TopTierSavings.com is an independent advertiser and is not associated with UnitedCashLoans.com.

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My checking was debited again for $19.95 on 1/20/2011 I never authorized these charges. I have no idea what this TopTierSavings is about.

I called TopTierSavings and they had no clue what I was talking about. I told them I applied for a online loan through United Cash Loans. They told me to contact them and when I did all I got was a run around and they told me to contact TopTierSavings.

This also happened to me on 11/23/2010 in the amount of $29.95 I have heard nothing from them. I want my money back in my account. I never authorized any of these charges. When this occured on 11/23/2010 they told me again to contact United Cash Loans and when I called them again they told me to contact TopTierSavings. They also told me I would get a e-mail with action taken and never received anything via e-mail.

*EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

EDitor's Suggestions on how to et 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!

This report was posted on Ripoff Report on 01/20/2011 05:26 PM and is a permanent record located here: http://www.ripoffreport.com/reports/toptiersavings/cheyenne-wyoming-82001/toptiersavings-money-taken-from-my-checking-account-without-my-authorization-cheyenne-wy-684905. 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.

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Updates & Rebuttals

#1 UPDATE Employee

TopTierSavings.com is an independent advertiser and is not associated with UnitedCashLoans.com.

AUTHOR: Top Tier Savings - (United States of America)

Up on completion of your cash
advance application, agreeing to your loan details and providing your
e-Signature to complete the process, the TopTierSavings.com offer is
prominently displayed on an exit page under the heading “Visit Our Featured
Advertiser”. Immediately under the heading in bold, the following text is

“Advertisers are not affiliated
with the lender which does not promote or endorse this product. Participation
in this offer does not affect your relationship with the lender in any way.”

Beneath that, the details of the
price and offer are clearly and conspicuously displayed along with a link to
Terms & Conditions for additional details.

In order to apply for TopTierSavings.com
you must take two affirmative actions. First, you must click click “Yes” that
you want the offer, and then you must click “Submit” in order to submit your
information to TopTierSavings.com for processing.

Your welcome email includes your
offer details, your authorization, and easy to follow information for canceling
by phone and or email, should you wish to discontinue the service.
Additionally, your billing statement each month provides our 800 number for
your convenience.

All requests for refunds are
handled promptly.

A refund was issued to the bank account listed on file today
02/23/2010 in the amount of $29.95 and the account was closed on 01/26/2011. For any questions, please contact us directly.
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