• Report: #804397
Complaint Review:


  • Submitted: Fri, December 02, 2011
  • Updated: Sat, December 03, 2011

  • Reported By: Norma — Manalapan New Jersey United States of America
Internet, New Jersey United States of America

TWX made three unauthorized debit charges on my chase account in Nov.2011 Internet, New Jersey *EDitor's Suggestions on how to get your money back into your bank account when someone wrongfully takes it from you!

*Consumer Comment: Are you serious?

REBUTTAL BOX™ | Respond to this Report! | Consumer Comment

What's this?
Corporate Advocacy Program

Show customers why they should trust your business over your competitors...

What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

Set the record straight:
Arbitration Program

SEO Reputation Management at its best!

In November 2011 on the 14th and 22, TWX made three unauthorized charges as debits on my chase checking account.  These debits amounted to $180.00

EDitor's Suggestions on how to get your money back!


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!


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.


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 12/02/2011 09:22 PM and is a permanent record located here: http://www.ripoffreport.com/reports/twx/internet-new-jersey-/twx-made-three-unauthorized-debit-charges-on-my-chase-account-in-nov2011-internet-new-j-804397. 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

Click Here to read other Ripoff Reports on TWX

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Are you serious?


You expect people who fail to notice or report an erroneous charge on their checking account for 60 days or longer to be taken seriously when they stand in a bank and threaten them with the media?  Every time an employee looks up a person's account it is documented.  So claiming a 1-800 number customer service person told them they were out of luck would only work if someone actually called the number to report the questionable charges.  If the majority of Rip Off people you interviewed did call within the federally mandated reporting time limit then they wouldn't have been told there is nothing that can be done.  A report would have been taken and an investigation would have begun.  The card would be closed and a new one reissued (unless the client refuses. And some do because they may have recurring charges that post to their account using that card number, {insurance, phone company, gym memberships, etc.} and to change all of that can be a hassle. )  The bank will ask if the client has tried to resolve the charges with the company but it is not a requirement that they do so.  If the bank determines that the charges were accurate and the client disagrees,  there is an appeal process.  Telling someone over the phone to look up a website that claims people were ripped off (when only one side of the story is usually shown, at least any that I've seen with regard to bank claims anyway) will do nothing.  Demanding to stand there while someone gets on a computer to look up such a site is ridiculous. The bank is required to take a report and investigate the claim but they are not required to," CAN, MUST, WILL reverse the charges."  They are required to reverse that charge and any NSF fees if the disputed charges are in fact," un-authorized."  All bank employees are required, every year, to take training on these regulations and they must sign that they have been so trained and understand that to willfully deviate from the Federal Regulations training and practices will result into discipline that ranges from a formal write-up, up to, and including, dismissal from the bank.  

Here is what I suggest you do.  Check your bank statement, without fail, every month.  Or go online every couple of days and review what has posted to your account.  With the proliferation of Smart Phones nowadays everyone has access to their bank 24/7.  Should you find a charge you have not made, immediately call the number on back of the  card to report the charge.  Give all the information they ask for (and they may have to ask questions to verify you are the actual owner of the account, not a fraudulent person attempting to get a new debit or credit card sent to another address, or any other type of access, so answer these questions as well.) After the report has been taken, ask for a new card to be sent and the compromised card closed.  If the charges don't have anything to do with a card, say for example someone used an electronic transfer to remove funds,  then have the account closed and the remaining funds transferred into a new account.  Before the conversation ends a report number or confirmation number will be provided.  Write that number down along with the name and employee number of the person you are speaking to.  They are trained to give this information so while they may not give out a last name you will get the employee identification number.  Keep this information.  They will mail you a confirmation that a report has been taken.  Keep that paper as well.  This means you have to open every piece of mail from your bank. Don't assume it is junk mail.  The banker who helps you will give you a timeline regarding how long it takes to credit back your account.  In some cases it maybe be a provisional credit (provisional based on the fact the charge is unauthorized.  If the charge is deemed authorized it will stand, if not the credit will be reversed,)  given within 24 hours or up to two business days.   Banks are NOT required as a provision within the REG E to go back indefinitely.   No matter how much ranting and shouting and threatening you do, you will get nowhere.  Sure  you can go to your local t.v station you can contact  the appropriate state and federal agencies but your best bet is to be professional and polite.  If you can state your case that includes a reasonable explanation about why it took you longer than 60 days to notice the unauthorized charge, (i.e. you were in the hospital and things got away from you, or you had a baby, a death in the family, etc.) then most banks will look at your mitigating circumstances and take the report.  Most everything can be resolved in your favor if you present your situation in a calm and professional way.  Throwing failure to follow federal regulations at some poor bank employee when you yourself have failed to follow the simple due diligence required to maintain a bank account is counter productive and will not get you what you want, which is, your money back in your account and your account information safeguarded.  Good Luck.

Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?