USfastCash Took out $250 Loan, took $400 from my Account-Unauthorized-Bank won't let me file dispute Milwaukee Wisconsin

On 11-16-2007 I noticed that there was 400 dollars taken out of my checking account from Usfast cash. I had taken out a payday loan from them on Oct 3rd in the amount of $250. At the time my loan was due, my bank had put a freeze on my account because my account was overdrawn, and the "fee" that they take out was returned to USFastcash. At No time between November 3rd and November 16th, I had authorized Usfast cash to take money out of my account via e-mail, phone or otherwise.

On 11-16, 2007. I spoke to one of the Branch Mangers to fill out an dispute form, however she wouldn't let me because she said "you agreed to their terms by hitting submitt" In Usfast cash's conctract it states they will only collect bounced check fee of $30 dollars. She also kept stating that it was between me & payday loan, and that she useto be a Manager for a Payday loan place.

I would like the $400, be put back into my account along with the bounced check fees which they caused since I only had $150 dollars in my account at the time. Again, at no time between November 3rd, & November 16th did I authorize Usfast cash to withdraw money from my checking account.

Beli
Milwaukee, Wisconsin
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 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, Rip-off Report.com & Author of