Community Reading Club Of Southern California - CRC Of Southern California RIPOFF, BAD CUSTOMER SERVICE Redondo Beach California *EDitor's Suggestions on how to get your money back into your bank account!

In 2005, a company called Community Reading Club Of Southern California called me up on my Cell Phone talking about great deals on Magazine Subscriptions. At first, the lady I talked to on the phone told me that I only have to pay one 39.99 once a year. So I thought that was a great deal and she also promised to give FREE gas card etc... for having their Subscription.

A couple of months later, I notice on my Visa Card was getting charge 39.99 every month. I was mad, so i called the Company about it and tried to cancel my subscription but they kept hanging up on me through the phone. So I was getting charge every month till 2006. I believe on June 2006, I lost my debit card that they were charging me on, so they kept sending me bills that I have to pay. They couldn't get money from me.

One day, a gentleman from CRC of Southern California called me about my subscriptions and I told him that I wanted to cancel it and he said OK and hung up. It was my fault for not asking the gentlemans full name and the date he called me.

Couple of months later I wasn't getting any magazine but they still kept sending the bills telling them that I had to pay. So I called them again on August 2006, and told them what happened. The lady I talked to from Customer Service was rude and said I never cancelled it. I told the lady to cancel it she said NO because I agreed on 29 months worth of Magazine Subscription or pay them $900. She told me that if I dont pay it off it would go into collection and I will have a bad credit etc..

Now I dont know what to do because its not fair to pay $900 for stuff that i didnt agree on. It's a rip off. I'm only 21 years old and i have bills to pay and also have Hospital Bills to pay for because I have Anxiety attacks. This is giving me so much stress so please help me deal with this. The company doesn't even care and they just want their money and I don't think it's fair at all for what they did to me and all the other customers they have that filed a complaint to this website.

Beware of Community Reading Club Of Southern California - CRC Of Southern California they're a bunched of telemarketer ripoffs.

Mark
San Diego, 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.