Circuitmicro ripoffed stole money from my checking account without my consent after I had already paid the one time administration fee Internet

On September 5,2006 I tried to get financing from this company. At the end of the application form before you hit send you have to read there terms.

In there terms they tell you that my sending this application you agree to be charged an administration fee of $39.96. and once you are approved and buy something from them this fee is deducted from the price of your item one time only.

It also states that if you cancel the fee is non-refunable. Well on September 5 of 2006 they made an external withdrawl from my checking account I have the papers to prove that. I then canceled with them I never received andy credit with them at all.

Now on June 15th 2007 someone from there company called my bank and pretented to be. They gave my name and my account number and asked my bank if they would make out a check for the amount of $39.96 which I had already paid in 2006 by an external withdrawl.

So over the phone they got my bank to make out a bank check for $39.96 made out to a company called Gig Media Group. I finally got a hold of someone at this Gig Media group and told them what has happened.

They illegally scamed my bank and my account of $39.96 I had already agreed to an external withdrawl on September 5, 2006 from checking account.

And by already having a checking account why would nine months later call my bank and have them make a bank check out for the same amount I already paid wouldn't I have just sent them a check or agreed to another external withdrwal.

Well I didn't they robbed me and I want my money back and I want to see them suffer some consequences for the illegal act they did.

Tina
Indian Orchard, Massachusetts
U.S.A.
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 chargetruth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

demand tion E.
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 orm