Report: #626323

Complaint Review: U.S.A. Credit Uniontown Pennsylvania

  • Submitted: Sat, July 24, 2010
  • Updated: Sat, July 24, 2010
  • Reported By: DONALD Danner — Barnwell South Carolina United States of America
  • U.S.A. Credit Uniontown Pennsylvania
    one millennium drive
    Uniontown, Pennsylvania
    United States of America

U.S.A. Credit Uniontown Pennsylvania debted my checking account w/o my permission Uniontown, Pennsylvania

*Consumer Comment: Implied Consent

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

I applied for a payday loan a couple of days ago and the nexy thing I know my checking account was debited for $149.95 and it knocked out my other bils causing an nsf. I am furiously upset . I need help with this immediately

*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 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 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

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This report was posted on Ripoff Report on 07/24/2010 01:26 AM and is a permanent record located here: 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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#1 Consumer Comment

Implied Consent

AUTHOR: PotatoSoup - (USA)

One of the things I know about Check N Go places or the Pay Day loan agencies is that they operate on the concept of implied consent. 

Make sure you read the 'fine' print on those contracts.  The term implied consent as it relates to contracts is that they are LEGALLY allowed to withdraw funds if you are either:

-  Not responding to agreements.

-  Not denying services (like indicating you don't want that protection)

-  Failure to pay for a they take it out.


The signature on that agreement when you borrowed the money indicated they could take that $149 for one reason or another.  I would suggest you call the payday place up and ask them why.  Also contact your bank and dispute it.  Most banks will put the money back into your account temporarly till the issue is resolved. 

The biggest scammer of the "implied consent" term are people like Video Professor.  They suck you in with a "FREE" service and then if you don't respond in a timely manner they "jack" your account for hundreds of dollars. 

One of the things that frustrated me with my bank was; "why did you allow that money to come out?  Get it back, you represent me"?   All banks, credit card companies and cash on demand account have open transaction(s) status.  They don't block transactions unless their is a dispute. 

-  Make sure you know the terms before you sign.  Ask a lot of questions. 

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