Home Service USA Fraudulent Charges to my Bank Account; Account Number Stolen From Deposit Check Miami Florida

Contracted for one year of water line service insurance terminating October 11, 2007. Initially sent a check and the contract paperwork. When reconciling my checking account I noticed that there were additional charges I had not authorized. When I contacted my bank they gave me the bank that processed the transaction, the comp number and trace number.

When I called HSBC Bank to find out why my account was charged they told me it was from AC Home Service (US Plumbing), they supplied me with their phone number and said unfortunately I would have to deal with them to get the charges reversed.

I contacted them and spoke with Michaela at x3161 who was extremely rude. She stated that they had sent me paperwork in the mail on September 20, 2007 to notify me of the auto renewal, which I never received. She also stated that I had agreed to the auto renewal on the paperwork I sent them, which I most certainly did not. She did not have this paperwork readily available and it would take several weeks to obtain a copy......but she was very sure I filled out this paperwork authorizing these charges!!!! They basically stole my account number and routing number from the check I provided for deposit.....highly illegal!!!

I have the paperwork and I most certainly did not authorize these charges. They refused to reverse the charges immediately and said it would take 3-4 weeks to mail me a check. She could not provide me with a confirmation number or transaction number.

I had to go to my personal bank and fill out a ACH Revocation Form to have the charges credited to my account which would simultaneously block any future charges from being applied to my account. That is if they don't change their merchant name. The credit from my bank will take 1-2 business days.

Also, when we asked for an address Michaela refused to provide me with it, I called HSBC Bank (their bank) back and asked them for it, they put me on hold and got on the phone and said they refused to provide them with it also.

I then called Aqua New Jersey Water who is affiliated with this company, they initially provided Home Service with all of their client information to solicit for this insurance. When I tried to explain to them what the problem was and that they should probably not be affiliated with this company, I got the run around, got put on hold and transferred several times until I finally hung up in frustration.

I finally resorted to the good old internet to get the Home Services address and information to complete this form by googling the phone number provided by the bank.

Cdms, inc.
Woodbury, New Jersey
U.S.A.