Bankcard Empire Aka Ultimate Business Solutions Let's File a Class Action Phoenix Arizona

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*UPDATE: Rip-off Report INVESTIGATION UPDATE: US Postal Inspectors close down Bankcard Empire. Bankcard Empire Suspended From Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program Tempe, Arizona

I have tried filing with my credit card company but they can't do anything. They put me on a three-way with the company and convinced the credit card company that they sent my package and emailed me and their moneyback guarantee.

I guess the Attorney General is my only option here.

The whole you can get your money back after 12 months is that they know that your credit card company is unlikely to process a chargeback after 12 months. Don't fall for it, chargeback immeidiately!

Here are things that generally work and don't work:

Do's

1) File a chargeback through your credit card or credit cards that you purchased with. This is the #1 most important thing to do. First it means you might get your money back. Second, it HURTS THEM. You see the bank that provides their merchant account watches to see how high of a risk they are. The more chargebacks they get (whether you win the chargeback or not) the higher risk the bank considers them. If they get enough chargebacks, eventually the bank will freeze their money, stop doing business with them and possibly even puts them on something called the TMF making it almost impossible for them to get a merchant account anywhere. The bank will take a reserve out on them depending on how many chargebacks they get - hurting their cashflow and ability to scam more people. Also if they get more than 100 chargebacks in a month they get on the watch list with Visa & Mastercard - something VERY expensive for them. If you have Discover make sure that Discover knows what they are all about and they will probably eventually take away their Discover account completely - Discover is aggressively avoiding merchanting these type of companies.

By chargeback I mean call your bank that you have your credit card through and ask to chargeback (get your money back) - have them use the reason code not as described because they promised you income you didn't receive. Or if they charged you more money than they told you they would, charge back using the fraud reason code. (Mostly explain to the person at the bank the details of how you were ripped off and they will help you out. If one rep isn't helpful try another until you find one that is sympathetic to you.)

2) If they fight your chargeback and win, chargeback again! This is super important. First, you have a better chance to win the 2nd chargeback than the 1st. Second, it counts against them twice!! So their bank looks at them as being twice the risk - if they got you for $5,000 and you chargeback twice the bank looks at it as $10,000 in chargebacks so you get to do double the damage! Eventually they will have to stop fighting chargebacks because if they don't they will lose their merchant account.

3) File a complaint with the Arizona Attorney General Consumer Protection division. The Attorney General's office is the one legal entity that can get to these guys - they have the ability to fine them, shut them down, and even put them in jail. It's their job. You can search online and find the website and file a complaint right online. Be sure to have as much evidence as possible of fraud. What is most important is to provide as much documentation as possible as to how they Misrepresented what they sold you - things like they told you that you would make money in a certain time-frame and then you didn't. In any case, file the complaint. The attorney general's office will pay attention to the volume of complaints - the more complaints they get the more aggressively they will go after them.

4) File a complaint with the Attorney General's Office / Consumer Protection Agency in your state. Most states won't do much but some states have very strict telemarketing laws that they will go after them for. If you live in Kansas definitely file with your state, because they probably aren't in compliance with the 7 day written right to refund.

5) File a complaint with the Better Business Bureau. This makes their count of complaints go up at the BBB. It also takes them hours to respond to the complaint. Once the complaint is closed with the BBB (the BBB won't actually do anything) refile the complaint with more information. Once that closes refile again and again until the BBB won't refile it. Each time you do this, they have to spend a bunch of time responding to it and the BBB complaint count goes up.

6) Post on places like RipOffReport and other similar websites on the Internet. Be heard and tell your story. You may provide evidence for lawsuits - you will definitely hurt their reputation causing other people to not buy from them and to get their money back.

7) Be persistent on the phone with them. Every time you call in and argue with them about a refund you are costing them money. Don't give up. They have everything to lose. Not everyone at their company is dishonest, perhaps we can convince some of them to go find a job working for an honest company. You have nothing to lose - they already have your money.

8) Be creative. There are probably a lot of other things you can do that are perfectly honest and legitimate that will cost them money to keep your money that they should be returning to you.

Things that aren't all that effective.

1) Going to a lawyer or threatening them with a lawyer (unless you have a brother or uncle that will do it for free.) Let's face it - you probably don't have a spare $20,000 for the first round of taking them to court.

2) Going to the FBI, FCC or FTC. It's not what they do.

The whole you can get your money back after 12 months is that they know that your credit card company is unlikely to process a chargeback after 12 months. Don't fall for it, chargeback immeidiately!

Here are things that generally work and don't work:

Do's

1) File a chargeback through your credit card or credit cards that you purchased with. This is the #1 most important thing to do. First it means you might get your money back. Second, it HURTS THEM. You see the bank that provides their merchant account watches to see how high of a risk they are. The more chargebacks they get (whether you win the chargeback or not) the higher risk the bank considers them. If they get enough chargebacks, eventually the bank will freeze their money, stop doing business with them and possibly even puts them on something called the TMF making it almost impossible for them to get a merchant account anywhere. The bank will take a reserve out on them depending on how many chargebacks they get - hurting their cashflow and ability to scam more people. Also if they get more than 100 chargebacks in a month they get on the watch list with Visa & Mastercard - something VERY expensive for them. If you have Discover make sure that Discover knows what they are all about and they will probably eventually take away their Discover account completely - Discover is aggressively avoiding merchanting these type of companies.

By chargeback I mean call your bank that you have your credit card through and ask to chargeback (get your money back) - have them use the reason code not as described because they promised you income you didn't receive. Or if they charged you more money than they told you they would, charge back using the fraud reason code. (Mostly explain to the person at the bank the details of how you were ripped off and they will help you out. If one rep isn't helpful try another until you find one that is sympathetic to you.)

2) If they fight your chargeback and win, chargeback again! This is super important. First, you have a better chance to win the 2nd chargeback than the 1st. Second, it counts against them twice!! So their bank looks at them as being twice the risk - if they got you for $5,000 and you chargeback twice the bank looks at it as $10,000 in chargebacks so you get to do double the damage! Eventually they will have to stop fighting chargebacks because if they don't they will lose their merchant account.

3) File a complaint with the Arizona Attorney General Consumer Protection division. The Attorney General's office is the one legal entity that can get to these guys - they have the ability to fine them, shut them down, and even put them in jail. It's their job. You can search online and find the website and file a complaint right online. Be sure to have as much evidence as possible of fraud. What is most important is to provide as much documentation as possible as to how they Misrepresented what they sold you - things like they told you that you would make money in a certain time-frame and then you didn't. In any case, file the complaint. The attorney general's office will pay attention to the volume of complaints - the more complaints they get the more aggressively they will go after them.

4) File a complaint with the Attorney General's Office / Consumer Protection Agency in your state. Most states won't do much but some states have very strict telemarketing laws that they will go after them for. If you live in Kansas definitely file with your state, because they probably aren't in compliance with the 7 day written right to refund.

5) File a complaint with the Better Business Bureau. This makes their count of complaints go up at the BBB. It also takes them hours to respond to the complaint. Once the complaint is closed with the BBB (the BBB won't actually do anything) refile the complaint with more information. Once that closes refile again and again until the BBB won't refile it. Each time you do this, they have to spend a bunch of time responding to it and the BBB complaint count goes up.

6) Post on places like RipOffReport and other similar websites on the Internet. Be heard and tell your story. You may provide evidence for lawsuits - you will definitely hurt their reputation causing other people to not buy from them and to get their money back.

7) Be persistent on the phone with them. Every time you call in and argue with them about a refund you are costing them money. Don't give up. They have everything to lose. Not everyone at their company is dishonest, perhaps we can convince some of them to go find a job working for an honest company. You have nothing to lose - they already have your money.

8) Be creative. There are probably a lot of other things you can do that are perfectly honest and legitimate that will cost them money to keep your money that they should be returning to you.

Things that aren't all that effective.

1) Going to a lawyer or threatening them with a lawyer (unless you have a brother or uncle that will do it for free.) Let's face it - you probably don't have a spare $20,000 for the first round of taking them to court.

2) Going to the FBI, FCC or FTC. It's not what they do.

The whole you can get your money back after 12 months is that they know that your credit card company is unlikely to process a chargeback after 12 months. Don't fall for it, chargeback immeidiately!

Here are things that generally work and don't work:

Do's

1) File a chargeback through your credit card or credit cards that you purchased with. This is the #1 most important thing to do. First it means you might get your money back. Second, it HURTS THEM. You see the bank that provides their merchant account watches to see how high of a risk they are. The more chargebacks they get (whether you win the chargeback or not) the higher risk the bank considers them. If they get enough chargebacks, eventually the bank will freeze their money, stop doing business with them and possibly even puts them on something called the TMF making it almost impossible for them to get a merchant account anywhere. The bank will take a reserve out on them depending on how many chargebacks they get - hurting their cashflow and ability to scam more people. Also if they get more than 100 chargebacks in a month they get on the watch list with Visa & Mastercard - something VERY expensive for them. If you have Discover make sure that Discover knows what they are all about and they will probably eventually take away their Discover account completely - Discover is aggressively avoiding merchanting these type of companies.

By chargeback I mean call your bank that you have your credit card through and ask to chargeback (get your money back) - have them use the reason code not as described because they promised you income you didn't receive. Or if they charged you more money than they told you they would, charge back using the fraud reason code. (Mostly explain to the person at the bank the details of how you were ripped off and they will help you out. If one rep isn't helpful try another until you find one that is sympathetic to you.)

2) If they fight your chargeback and win, chargeback again! This is super important. First, you have a better chance to win the 2nd chargeback than the 1st. Second, it counts against them twice!! So their bank looks at them as being twice the risk - if they got you for $5,000 and you chargeback twice the bank looks at it as $10,000 in chargebacks so you get to do double the damage! Eventually they will have to stop fighting chargebacks because if they don't they will lose their merchant account.

3) File a complaint with the Arizona Attorney General Consumer Protection division. The Attorney General's office is the one legal entity that can get to these guys - they have the ability to fine them, shut them down, and even put them in jail. It's their job. You can search online and find the website and file a complaint right online. Be sure to have as much evidence as possible of fraud. What is most important is to provide as much documentation as possible as to how they Misrepresented what they sold you - things like they told you that you would make money in a certain time-frame and then you didn't. In any case, file the complaint. The attorney general's office will pay attention to the volume of complaints - the more complaints they get the more aggressively they will go after them.

4) File a complaint with the Attorney General's Office / Consumer Protection Agency in your state. Most states won't do much but some states have very strict telemarketing laws that they will go after them for. If you live in Kansas definitely file with your state, because they probably aren't in compliance with the 7 day written right to refund.

5) File a complaint with the Better Business Bureau. This makes their count of complaints go up at the BBB. It also takes them hours to respond to the complaint. Once the complaint is closed with the BBB (the BBB won't actually do anything) refile the complaint with more information. Once that closes refile again and again until the BBB won't refile it. Each time you do this, they have to spend a bunch of time responding to it and the BBB complaint count goes up.

6) Post on places like RipOffReport and other similar websites on the Internet. Be heard and tell your story. You may provide evidence for lawsuits - you will definitely hurt their reputation causing other people to not buy from them and to get their money back.

7) Be persistent on the phone with them. Every time you call in and argue with them about a refund you are costing them money. Don't give up. They have everything to lose. Not everyone at their company is dishonest, perhaps we can convince some of them to go find a job working for an honest company. You have nothing to lose - they already have your money.

8) Be creative. There are probably a lot of other things you can do that are perfectly honest and legitimate that will cost them money to keep your money that they should be returning to you.

Things that aren't all that effective.

1) Going to a lawyer or threatening them with a lawyer (unless you have a brother or uncle that will do it for free.) Let's face it - you probably don't have a spare $20,000 for the first round of taking them to court.

2) Going to the FBI, FCC or FTC. It's not what they do.

The whole you can get your money back after 12 months is that they know that your credit card company is unlikely to process a chargeback after 12 months. Don't fall for it, chargeback immeidiately!

Here are things that generally work and don't work:

Do's

1) File a chargeback through your credit card or credit cards that you purchased with. This is the #1 most important thing to do. First it means you might get your money back. Second, it HURTS THEM. You see the bank that provides their merchant account watches to see how high of a risk they are. The more chargebacks they get (whether you win the chargeback or not) the higher risk the bank considers them. If they get enough chargebacks, eventually the bank will freeze their money, stop doing business with them and possibly even puts them on something called the TMF making it almost impossible for them to get a merchant account anywhere. The bank will take a reserve out on them depending on how many chargebacks they get - hurting their cashflow and ability to scam more people. Also if they get more than 100 chargebacks in a month they get on the watch list with Visa & Mastercard - something VERY expensive for them. If you have Discover make sure that Discover knows what they are all about and they will probably eventually take away their Discover account completely - Discover is aggressively avoiding merchanting these type of companies.

By chargeback I mean call your bank that you have your credit card through and ask to chargeback (get your money back) - have them use the reason code not as described because they promised you income you didn't receive. Or if they charged you more money than they told you they would, charge back using the fraud reason code. (Mostly explain to the person at the bank the details of how you were ripped off and they will help you out. If one rep isn't helpful try another until you find one that is sympathetic to you.)

2) If they fight your chargeback and win, chargeback again! This is super important. First, you have a better chance to win the 2nd chargeback than the 1st. Second, it counts against them twice!! So their bank looks at them as being twice the risk - if they got you for $5,000 and you chargeback twice the bank looks at it as $10,000 in chargebacks so you get to do double the damage! Eventually they will have to stop fighting chargebacks because if they don't they will lose their merchant account.

3) File a complaint with the Arizona Attorney General Consumer Protection division. The Attorney General's office is the one legal entity that can get to these guys - they have the ability to fine them, shut them down, and even put them in jail. It's their job. You can search online and find the website and file a complaint right online. Be sure to have as much evidence as possible of fraud. What is most important is to provide as much documentation as possible as to how they Misrepresented what they sold you - things like they told you that you would make money in a certain time-frame and then you didn't. In any case, file the complaint. The attorney general's office will pay attention to the volume of complaints - the more complaints they get the more aggressively they will go after them.

4) File a complaint with the Attorney General's Office / Consumer Protection Agency in your state. Most states won't do much but some states have very strict telemarketing laws that they will go after them for. If you live in Kansas definitely file with your state, because they probably aren't in compliance with the 7 day written right to refund.

5) File a complaint with the Better Business Bureau. This makes their count of complaints go up at the BBB. It also takes them hours to respond to the complaint. Once the complaint is closed with the BBB (the BBB won't actually do anything) refile the complaint with more information. Once that closes refile again and again until the BBB won't refile it. Each time you do this, they have to spend a bunch of time responding to it and the BBB complaint count goes up.

6) Post on places like RipOffReport and other similar websites on the Internet. Be heard and tell your story. You may provide evidence for lawsuits - you will definitely hurt their reputation causing other people to not buy from them and to get their money back.

7) Be persistent on the phone with them. Every time you call in and argue with them about a refund you are costing them money. Don't give up. They have everything to lose. Not everyone at their company is dishonest, perhaps we can convince some of them to go find a job working for an honest company. You have nothing to lose - they already have your money.

8) Be creative. There are probably a lot of other things you can do that are perfectly honest and legitimate that will cost them money to keep your money that they should be returning to you.

Things that aren't all that effective.

1) Going to a lawyer or threatening them with a lawyer (unless you have a brother or uncle that will do it for free.) Let's face it - you probably don't have a spare $20,000 for the first round of taking them to court.

2) Going to the FBI, FCC or FTC. It's not what they do.