Fidelity Credit Services Scammed me on a credit card offer, drafter $129.95 out of a savings account and I opened in my name and my son's name, he is disabled and 30 years old. he cannot make financial decisions because of a mental illness. Largo Florida *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you!

Fidelity Credit Services should not be allowed to stay in business. They scammed me for $129.95. I went on line yesterday to check them out and found your report, which prompted me to leave work early and go straight to my bank and file a report for an unauthorized withdrawal from a savings account that was set up in my name and my son's name.

My son is mentally disabled and cannot make financial decisions or handle money. I was appointed his legal guardian again in 2002, he is 30 years old. His disability checks go into this account. They are sent to me in my name as his guardian and in his name by Social Security.

I had to close this account because the bank said Fidelity may try to draft it again. This has cost me time, money and heartache especially here at Christmas.

I work 2 jobs to support us. It is so unfair that they can legally get by with scamming people such as myself and others like me.

I also put a new message on my home phone (which is unlisted and non-published, so how did they get it) because another company with a 727 area code called me two nights ago and tried to get my bank account number. Who do you think gave them my name and telephone number!!!

I changed my personal greeting on my phone to now not only include the telephone number and ask that people please leave a message, but it also says anyone calling from area code 727 better not leave me a message or call this number again. I said I would report them to the better business bureau in my state and their's.

I am hopeful that I will get my money back, it was for my son's Christmas present.

I contacted Fidelity after reading your reports yesterday and tried to tell them to put the money back in my account, but was told I could not cancel until I received their "packet" in the mail. I had no idea they were not a credit card company and that you had to call other companies to try to get a card until I read your report. People saying when they did call these companies Fidelity's booklet gave them that they were asked for $300, $400 or $500 more in fees.

Thank you for being there for people like me. When something in your gut and your heart tells you to beware, you need to listen.

I will let you know if I am successful in getting my money back, and how long it takes, so others that have been scammed can do the same.

Happy Holidays to you and my fellow scammed friends!

Nancy
Midlothian, Virginia
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!

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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.