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Report: #310437

Complaint Review: Coastal Web Solutions - Nationwide

  • Submitted:
  • Updated:
  • Reported By: Sterling Hgts. Michigan
  • Coastal Web Solutions supportcoastwebtech.com Nationwide U.S.A.

Coastal Web Solutions Unauthorized debit to my account Nationwide California

*Consumer Comment: Your Bank is not responsible!!!

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I noticed a charge for 4.95 on my checking account. I was told the debit was from Coastal Web Solutions in Calif and their telephone number is 760-994-4853.
I went on line and also called them. They have not responded as to why the charge was charged to me. I've had to get a new debit card and I am wondering how my number was gotten in the first place. I did see online that they are many complaints against this same company.

Kim
Sterling Hgts., Michigan
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.

This report was posted on Ripoff Report on 02/20/2008 10:22 AM and is a permanent record located here: https://www.ripoffreport.com/reports/coastal-web-solutions/nationwide/coastal-web-solutions-unauthorized-debit-to-my-account-nationwide-california-310437. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Your Bank is not responsible!!!

AUTHOR: Banker - (U.S.A.)

POSTED: Tuesday, March 25, 2008
Unfortunately you are incorrect your financial institution is not responsible for charges on your account. I work for a very large credit union in the debit and credit card department. My primary job is to handle disputes with companys that members say they have not authorized. Just as an FYI it is not your financial institution that disputes the charge. All disputes are sent through Visa and Mastercard per their regulations you have 60 days from the date of the transaction to dispute it and you must provide all needed documentation. Unfortunately as well, is the fact that it is up to the member/customer to prove the error not your financial institution. It does not matter whom you say you can contact to report the financial institution these are guidelines provided to us from Visa and Mastercard.


As an informed consumer please check your statements monthly if not daily to avoid this situation from happening. Also, be aware of the sites you purchase from on the internet investigate EVERYTHING before transacting business online!!!!
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