AAA Arizona automatic renewal 30 day prior membership billing closes bank account Phoenix Arizona *EDitor's Suggestions on how to get your money back into your bank account!

COMPLAINT: National City Bank/AAA Arizona Inc. Auto Club

A HIDDEN LIMITATION OF POWER-WHAT YOU DON'T KNOW CAN HURT YOU

ARKANSAS COMMUNITY BANKER

On Oct.12, 2002, I contacted AAA in reference to the mailer I received. I questioned how many free months were to be issued for enrollment where I was advised a total of three applied. Oct 28,2002 charged my National City Bank account for membership.

On 12/6/04 I had called to get routing # for deposit of payroll ck. when I was informed of an overdraft. At that time I informed the gentlemen at 800# the chg. was not authorized and I wanted it removed. On 12/8 I called back to 800# to see if credit had been issued when I was instructed that only bank mgr. could handle.In both conversations with Pete Lyon on 12/8 @ 12/10 I requested his decision in writing if overdraft credit was not issued.

I signed on with AAA under the acknowledgment that 3 free months were rewarded for two objectives. Free enrollment and purchasing today (1 mo.) Auto renewal (2 mo). January 28,2004 would then be billing cycle for membership. On 12/2/2003 AAA transmitted charges to my account (60 days prior to membership expiration)

In contacting AAA they stated that this action was standard to assure your account handled it,no broken coverage. AAA will not acknowledge 3 months but renewal was then 30 days prior on billing statement.

Not in agreement with their prior 30-day charge I cancelled auto renewal received in Dec 2004. I left the charge on my account because agreement prior, for three free months and issued to them proof of advertizement.

Requested action needed to cancel renewal for 2004. I was instructed not to return the renewal statement received in 2003. I was once told by a federal employee once that Every year when we signed our income taxes, we are binding a contract to pay Uncle Sam for the next year.

AAA refunded my auto policy because I said just cancel then. Why I did this was when AAA put on charge my account went overdrawn. Banks -$34 chg then put -$79. Also the bank did not loan me money and money never left the bank. The bank then @ AAA would not take any responsibility for overdraft. They are not responsible.

When refund was credited to bank account since it had been now 10 days later I received -$6 charges thru 12/31 then closed account and reported me on credit report.Then on 1/21 since sister was on account as (or) in case of problem they withdrew the money from her account without her prior knowledge.

Also I have not received my money for my 2 months in overpayment. AAA says they are not allowed to refund any DDA charges and the bank says they are allowed in terms of agreement. I have asked numerous people for the statues or it in writing by the law. I have not seen this either.

This is where I am at since 12/03/04. Closed bank account, sister upset, AAA auto canceled w/no money bank on what i paid. Nightmare

Pete Lyon w/ National City Bank, St Marys Plaza Office,810 South St Marys Rd,St Marys PA 15857. Mime Hickey w/AAA 3144 N &th Ave, Phoenix AZ 85013 were the involved parties managers.

Auto bill paying is letting these companies make up their own rules. The account had been open since 5/1997 (1st time I ever asked anything from this bank) and AAA since 2002.

Vicky
Glendale, Arizona
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.

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!

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...the victims' advocate

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...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.