Video Professor ripoff Internet *EDitor's Suggestions on how to get your money back into your bank account!

In June of this year, I placed an order for a "free" instruction tape to be sent to my male friend; with the charges of shipping and handeling $6.95 to be charged to my debit card.

I did not know he had ordered the tape himself and was waiting for it to arrive. In July, he received his , that was debitted from his account; except for 69.95 instead of $6.95 that was told to him. This is the real clincher. He did not receive a second one - I did not receive one - but my debit card was charged $69.95 for nothing-not only the wrong amount, but for zero product. Also, by the time I found out they had taken this money out of my account was when I recived my bank statement and this little stunt had caused $180.00 in overdraft charges.

This is not good since the doctors found a disability last year of petit mall seizures, having to quit my job in March waiting (so far) 5 months for disability benefits; have been working since I was 16 -am now 51 and now my only income is widow's retirement pension of 315.27 per month. I have filed Chapter 7 and am waiting for the mortgage company to send the notice for me to leave my home. The funny part is I have been in social work most of my working life... trying to do the right thing. These people just stole almost all of my last month's income for me. After many calls they did reimburse the $69.95 to me , refusing to take responsibility for the overdraft charges. A friend of mine who works as a liason between attorneys, the private investigators and victimized persons-have been calling these people 1-2 x per week. He also faxed Video Professor Billing supervisor, Ann B. a letter from my bank branch manager that the Video Professor debit had caused the overdrafts, and proof that the debit of the $69.95 had caused $180.00 worth of inusufficient funds by way of a copy of a two month statement money flow.

He was told he would be called back. Of course, like so many other times, he was not called back. In fact, to date, this "Ann" billing supervisor seems to be a phantom. Each time he calls, he cannot obtain a person he has talked to previously. This time when he mentioned we must report them to Rip Off, Better Business Bureau, and the media. the customer service rep stated that a check had been issued but it had been issued to another customer whose acct number just happened to be one number off from mine & of course all of the material we and the bank has faxed in needs to be re-faxed since it is lost. Bank Manager did this yesterday morning - also the liason did. What can possibly happen now?

Daisie j
Nashville, Tennessee
U.S.A.

Click here to read other Rip Off Reports on Video Professor DMK Rewards

*EDitor's Suggestions on how to get your money back into your bank account!

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 thebanks 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 www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

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

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.