Freedom Subscription i applied for an on-line loan and this company took my ss# and bank account and charged me 49.95. When i called, they refused to tell me what service they provide Internet *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

on july 8, 2009 i checked my bank account balance in the a.m wich is routine. i noticed a charge for 49.95. i had not made a purchase for that amount and called the phone # on the transaction (888-807-4709). when i called, the rep refused to tell me what comany they are or what service they provide and because i was angry, she hung up on me. i called back and told them to cancel whatever it is they are and i would be reporting it to my banks fraud dept. i reported it to my banks fraud division and after 39 days of charging me overdraft fees and negative balance fees, they said i gave "the" (they don't even know "what" company) my account info. I did not give any company authorization to charge my account 49.95. i still have to deal with the bank because now they are threatening to turn me over to the creditors if i don't pay within 5 days. i filed my report on july 9, 2009 and still have yet to find out what my 49.95 (now 600.00) paid for. the "web address" they provide is www.freedomcs.com . it's a stupid 1 page something that still doesn't support what if any services they provide. they took my personal info. off my loan application. how do i find help?






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<b><font
size=+2><font color="#0000FF">EDitor's Suggestions on how to
get your money back! </font></font></b>  

 

<b><font
size=+1>HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: </font></b>


 

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!  

 

<b><font
size=+1>DO NOT TAKE NO FOR AN ANSWER! </font></b>

 

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.

 

<b><font
size=+1>CHARGES TO YOUR CREDIT CARD</font></b>

 

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 .. <i>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. </i>

 

 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