Internet Wealth University - Ivy Capital Using debit card info without authorization and refusing to refund when asked Internet *EDitor's Suggestions on how to get your money back into your bank account

I answered an ad to buy a CD (about ebay merchandising) for a few dollars in shipping fees. I received the CD and another piece of paper in the envelop. The piece of paper suggested making lots of money using ebay, but did not have any other product offers, charges or requests to debit my bank account written on it anywhere. I didn't look at the CD yet.

A couple weeks later I see a debit for $39.90 by Ivy Capital. I had no idea what this is so I called the number next to the debit entry. After a lot of back and forth and dogged, determined Sherlock Holmes technique applied to the women answering the phones, I finally was told the truth: I was debited this money because I was sent an email telling me about all the training videos available for me now and it is only $39.90 per month, I had a 10-day trial period and am now a member, being debited monthly. (Whoa!)

I asked how they could sell me something and debit me for it without my OK, and it was "OK" to them because I didn't answer that email! What email? I never received/saw/read this ghost email.

Now this email could very well have been sent but it could have gone into my junk mail instead, and like many other people, I just delete those emails, because they are....junk. They certainly cannot prove that I ever opened it or OK'd this transaction, because I didn't.

I am going around in circles right now with them concerning getting my $39.90 back. The woman apologized and said they could cancel my membership but could not refund this money. (Now this is where it reached Rip-Off Status, obviously.)

I pushed and pushed and pushed, refused to hang up, and insisted to talk to a manager or anyone who was in fact authorized to handle this recredit of my money, and the woman told me over and over again all she could do was file a report, this would be fully invetigated, and I would hear from them. But she kept repeating that it is not part of their program to refund this money.

My main point in filing this right now is that this business is doing very covert business dealings, by having a debit card number to use for a tiny sale and then "offering" more services and charging for them even if they do not hear that the customer wants it! Imagine how many CD requests they get and how many of these "ghost emails" they send and how many $39.90's they debit and refuse to refund. They are cashing in big time by throwing usual, decent customary business practices (like a contract or SOME sort of communication of customer agreement) out the window and justifying their taking of your money by saying "Well, you didn't say NOT to do it, so we did it, and as a service to you we will keep doing it every month without telling you, until you figure it out by looking at your bank statement and tell us to stop."

Their practice is totally dishonest, the "inventor" of this program within this company is a criminal, and by the way the women answering the phones talked to me I could see that this is a scam. You would think for $39.90 they would just give up and give me my money back for all the fuss I was creating, but No!

Therefore I am posting this information for all to see. Either be prepared to dig through all your junk mail to find that fateful email and tell them "No," or don't buy the CD advertising making money on ebay thinking that shipping fees is all that it's going to cost you. It IS going to cost you!

Evc Lancaster, California
U.S.A.

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 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.