Circuit Micro ripoff Lake Forest California *EDitor's Suggestions on how to get your money back into your bank account!

I am reporting this as a scam because two days ago I saw that this company had debited $39.96 directly from my bank account. I have never even heard of this company before I saw that on my checking account. I have never applied for credit with them or anything!

I immediately looked up the info in the internet and called my bank. They are going to investigate. I also found this website with all of these complaints.

I called Randy at his home and discussed this whole mess with him. He was very very rude, threatening and cocky about the whole situation! I have never been treated so horribly by someone who I didn't even know!

After we argued for a very long time about me not even applying for credit he said that he would immediately put the $39.96 back into my bank account and we would no longer do business together. Thank heavens!

However to my dismay I woke up this morning, checked my bank account and saw that Randy had decided instead of giving my money back he would take more!!!! He debited another 39.96 from me!!! That's nearly 80 dollars and I have never even filled out their application! So of course I called and Randy told me that he had put the first 39.96 back and it would take a couple of days to process. He also said that "someone else" had stole all my information and must be trying to get credit through them! He said he can't do anything about the fees that have been charged! I mentioned to Randy about these reports on here and he claimed that these were reports written by customers who refused to pay their bills to circuit micro and nothing more! He also said he has thousands of customers and fifty or so complaining will not shut him down!!! So finally I told him i was going to talk to my lawyer and file charges with the police because of his threatening , and he said he would refund the other 39.96 to me too, that i would receive it in a few days! We'll see I guess!

But I recommend to anyone wanting to do business with this jerk, make sure you read everything written here first! It will be worth you while! Especially since he is taking money from people who haven't even applied for an account with him!

SCAM SCAM SCAM! I can't say it enough!!

Eric
Elmendorf AFB, Alaska
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!

We are not lawyers.
We are not a collection agency.

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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.