Bee Jee's Collections Fizaa Palace owner is a complusive liar. Chicago, Illinois *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

I ordered an outfit back in October and biggest mistake I made was made the payment in advance. I was suppose to receive it at the end of November and I called them 5 times before they finally said come in to pick up theoutfit.

When I got there they told me there was a "slight mistake" and I am thinking maybe the color isn't exactly the same or something like that, but this was a completely different outfit. I mean mistakes happen so I wasn't upset or anything like that, and I looked around to see if there is anything else I like but I didn't so I asked for the refund.

The lady told  me she didn't have the money and she went to the couch and sat down and I am there begging her to give my refund. I am the customer here and I had to beg her to give me the refund for something that they messed up on. Well I told her I will be back in two days to pick up the refund and I called in before I got there too to remind her, but again she said she doesn't have the money.

I drove an hour 3-4 times to get my refund, the fifth time I had someone from school who lives around the store to go pick up the check and the owner harassed the girl and called her names.

I than contacted my bank and filed a dispute, I received the refund, but a month later i noticed the amount for 203.96 was again debited. I again called my bank asking them why they did that. They told me the owner contacted them and told them that they gave me the outfit and I ruined it, but I never ever walked out of that store with any outfit. So I want them to prove that they gave me the outfit, maybe show it in the camera perhaps.

After they debited from my account again, I went back to the store, and the lady harassed my friends and I causing emotional distress and calling my friends and I names. I now need your help and need this to get resolved.

Thank 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.

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 RipoffReport.com Author of www.ripoffrevenge.com

Rip-off Report PO Box 310, Tempe, Arizona 85280