USA Credit They took 149.95 out of my account that I did nto authorize Internet

I applied for a payday loan on-line and was offered 3 things...a Imagine credit card, a usa credit credit card, and $1500 cash advance. When I saw that this was going to cost me 149.95 I closed out the website without ever pressing submit. I guess that was not good enough for them.

A few days later the money was withdrawn from my account leaving me in the negative getting $34 taken out for each thing that was to be taken out of that money. In total it cost me nearly $300. I immediately contacted my bank.

Today, a week later I finally found this website about the company. I called a number that was on one persons information. The lady on the other end told me that they could credit my account $114.95 if I cancled my account and did not proceed with my bank investigation. Than she tried to offer me a $50 check to keep my account open. Plus she wouldn't give me the credit if I kept it open.

I hope that my bank can prove that I did not submit for this money to come out of my account. This is the first time anything like this has happened to me and I am really scared that they will falsafy documents or something so that I never get my money back. I guess I will see Tuesday if I get my money back or not.
Anyone who got there money back can you please let me know if you had any problems with them when your bank contacted them. Thank you.

Shannon
House Springs, Missouri
U.S.A.
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 chargetruth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

demand tion E.
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 orm.



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