CARVINCHECKS COM SALT LAKE CITUTUS vehicle history. CAR REPORT charged 29.95 to my card. unauthorized. Internet *EDitor's Suggestions on how to get your money back into your bank account when someone wrongfully takes it from you!

I went to search an auto on their website. First of all when I entered my cars VIN # the site said they had info on my card and there would be a one time charge of $2.95 so I entered my info. Then after it took my card info it told me they had no info for my vehicle.  3 days later I checked my account only to find there was another charge of 29.95. I called the number from the first charge and it was "not assigned"  no such number. So after speaking with my bank they gave me another number to call.

I called and was told that if I didnt cancel my account with them before 3 days there would be a monthly charge of 29.95.  The rep. was short with me and basically told me "its in our terms of service" there is nothing you can do about it but if you want I will credit you back half.  I asked for a supervisor and was told "he is in a meeting" and would call me back within the hour.  3 hours later I called back, the rep on the phone said she was a supervisor (but I could tell it was the same rep. I spoke with in my previous call.  I went thru the story again and was told the same as before. I then hit her with this..............................

"Your terms of service can not be enforced!  In your "contract" you say that I will be charged 29.95 if I do not call the number 1-866-610-0652 within 3 days to cancel"  she said yes and you didnt so you are being charged.  I then continued to tell her that the number they provide is not a working number so there is no way I can call to cancel the service and the only was I got this number was through my bank.  she became quiet for a minute then I said " Now since you are providing false information and a contract that is no way fair to me the customer she needs to either refund me the 29.95 IMMEDIATELY or I will contact all the other customers online who you have ripped of and start a class action law suit against their company so fast their heads are going to spin".

She then asked me if I had a pen, gave me a conf. number and said my 29.95 would be credited back in to my account within 3-5 days depending on how fast my financial institution works.  4 hours later the money was back in my account!! :)  so please if you were ripped of  call the real number for this company which is 1-888-613-1485 and use the same technique I did that you cant call to cancel because the number they provide on their TOS is incorrect and DEMAND TO A SUPERVISOR YOU GET A FULL REFUND!!

Best of luck to all ....


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