Armondo Montelongo Fraud. Illegally charged my checking account although I said repeatedly that I wanted to buy nothing except the book. Draper Utah

Frauds-Armando Montelogo charged a debit in the amount of $29.95 to my checking account (for coaching, they said) without my knowledge or permission. I called them this date, had a hold time of over 7 minutes and told them that I did not authorize this charge. I also tried to call yesterday evening, and the hold time was over 13 minutes.

They then told me that I was going to be put on hold so that they could verify that I did not sign up for the coaching. After another long wait (I think their strategy is hoping that you'll hang up) The rip rep came on the phone and refused to refund the money. She insisted that I signed up for it, although, as I said, I called after I received the book, to make sure that I wasn't being charged for any membership, to "cancel". They assured me that I would not be charged.

They did tell me that coaching was available free for 30 days. I tried to call on two different occasions, and was never able to get through to talk with a strategist or coach or anyone except the rip reps that answer the phone.

I told her that this was a fraudulent charge this date and to "Get out of my checkbook!"

These people claim that I signed up for the "help line", which I did not. Just another bunch of liars and thieves.

They offer a strategist or help line person or coach or somebody to help you to read this book. I didn't sign up for that either.

Mary
Cape Girardeau, Missouri
U.S.A.
*EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

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