• Report: #137909
Complaint Review:

VIP Card Services

  • Submitted: Thu, April 07, 2005
  • Updated: Thu, April 07, 2005

  • Reported By:Phoenix Arizona
VIP Card Services
Bank First- South Dakota Sioux City, South Dakota U.S.A.

VIP Card Services ripoff took my hard earned money Sioux City South Dakota *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Suggestion: My suggestion.. .I'm going to assume that you wanted the VIP card

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My account was debited the 99.95 on Feb. 28, 2005. As of 4/6/05, I still have not received my card yet. I have called this place several times and only spoke with a person 1 time.

They said it was on the way. Yeah Right!. I have called several times today, same thing, no answer, no call back. I will be calling the attourney general and the BBB. We need to give these A-holes what they deserve.

Phoenix, Arizona

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, Rip-off Report.com & Author of www.ripoffrevenge.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

Click here to see Rip-off Reports filed where consumers say thank you Rip-off Report & badbusinessbureau.com, that we saved them money. Not included are the thousands of thank you e-mails we get every week.

This report was posted on Ripoff Report on 04/07/2005 11:40 AM and is a permanent record located here: http://www.ripoffreport.com/reports/vip-card-services/sioux-city-south-dakota/vip-card-services-ripoff-took-my-hard-earned-money-sioux-city-south-dakota-editors-sugge-137909. 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 Consumer Suggestion

My suggestion.. .I'm going to assume that you wanted the VIP card

AUTHOR: Laura - (U.S.A.)

I'm going to assume that you wanted the VIP card because maybe you have bad credit but you still wanted a credit card. Whether I'm right or wrong, here's my suggestion. I have bad credit and so I always get offers for the VIP card, as well as alot of other cards that are unsecured, but you have to pay like $250 in fees or some other similar amount on a card with a $250-$300 limit.

At first I kept thinking it was a ripoff but then decided to try one. I tried the new Reward 660 Visa card. The credit limit is $300 with $250 in one-time fees. The thing is, since i paid the fees off (i paid with one payment) now I have a credit card with a resonable limit to start off with so I can't get myself in too much trouble (which is how i ended up with bad credit in the first place).

I got my card within one week. Oh, and if you make your payments on time and don't go over your spending limit (which is what you should be doing anyways) then they increase your limit by $100 and refund $50 of your "one-time fees" every 3 months until your fees are completely reimbursed and the total credit limit is $2000 (you can choose not to have increases if you want).

I've had my card for 2 months and have had no problems. I've been able to maintain a low balance and make timely payments and as a result they have reported my "good behavior" to the credit bureaus. Oh, one more thing. I'd say the only negative thing about the card is that if you make a payment by mail or online then it can take up to 20 days for it to post, which sucks, but you can also make a payment via Western Union or Money Gram (which I do) and it posts the same day or the next business day at the latest.

Like I said in the beginning, you may have different reasons for wanting a credit card, but if it is for credit problems, the I would definitely suggest the Rewards 660 card. (P.S. The "Total Visa" card is a good one too. I have it also and could basically give the same story for that card.)
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