CIS Worldwide - Intelius - Gov-Records - CLKBank 40 Searches, Different People, No One Found, All Have Same Info, Couldn't Even Find Me Internet *EDitor's Suggestions on how to get your money back into your bank account!

I have been searching my family roots on and off for about 10 years. My adult children want to know who their family is. While searching on Google I kept seeing adds for people searches. I went with Gov-Records.com first because of the name and assumed that they were part of the Government. Searching is free but if you want a complete background check with address, phone number and criminal record then it's $39.95 each person.

I searched and when I thought I had the right person, I paid, then I was allowed to print the report. It didn't have any background info. So I figured I picked the wrong person and did it again. It was the same name just with a different address and I think the named spelled different.

I tried Intelius another people finder website and paid $9.95 for a 1 yr membership. Then found out a complete background check was $44.96, yes, I paid that too. Nothing, I could use to find someone, I think it had some information about whether they owned the home or not. I decided to search everyone I knew that had been in prison or jail or just regular people. Nothing again, not even me. 2 weeks later I noticed my credit was charged $9.95, $44.96, & $11.62.

I then went back to Gov-Records.com and did the same search. Not one person I knew popped up in their records. I tried one last website called CIS Worldwide. This one was free but the website looked similar to Gov-Records.com.

All this happened in a span of 2-3 weeks. I pulled my credit card statements and noticed 2 charges from CLKBANK for $39.95. I pulled up my email to check it it was from those websites and in an email from Gov-Records it's thanking me for ordering the Gov-Records.com membership and that on my bank statement the charges will be from CLKBANK*com. It also says not to reply to their email because I will not receive a response and they were right, the email bounced back.

Then I received and email from a 24 Protect Plus saying that unless I cancel my credit card will be charged. I traced it back to an email from Intelius that said to take advantage of this service so I could learn about Identity Theft Prevention and Identity Theft Response Awareness.

I tried to log onto CIS Worldwide but was unable to. The website said to log on I needed my email address and receipt number which I provided and was still not able to. So I concluded that all 3 of theses websites were actually one.

I was not able to get my money back from Visa since it would be hard to prove.

Marie
Salinas, California
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.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...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.