Complaint Review: Illinois One Bank N.A. PVC Inc. EClubUSA - Internet
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- Author Confirmed
- Illinois One Bank N.A. PVC Inc. EClubUSA Internet U.S.A.
- Phone:
- Web:
- Category: Bad Check Writers
Illinois One Bank N.A. PVC Inc. EClubUSA Took 49.95 out of my account and dont know what for Illinois Internet *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!
*Consumer Suggestion: Satisfied Customer..
*UPDATE Employee: Feel free to call us...
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I am reporting this because they took $49.95 out of my account and dont know what it was for.
Jesse
English, Indiana
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
RipoffReport.com
Author of www.ripoffrevenge.com
Rip-off Report
PO Box 310, Tempe, Arizona 85280
This report was posted on Ripoff Report on 01/17/2009 02:06 PM and is a permanent record located here: https://www.ripoffreport.com/reports/illinois-one-bank-na-pvc-inc-eclubusa/internet/illinois-one-bank-na-pvc-inc-eclubusa-took-4995-out-of-my-account-and-dont-know-what-f-413304. 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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#2 Consumer Suggestion
Satisfied Customer..
AUTHOR: Travis Jackson - (U.S.A.)
SUBMITTED: Saturday, January 24, 2009
I joined eClubUSA which is one of the services that PVC Inc. offers on it's website as I needed a new computer as wasn't able to get traditional financing. I actually stumbled upon their website while applying for a secured Mastercard and as applying for that card it gave me the option of accepting this offer or declining. The offer I was presented with was for a $5000.0 credit line. All the Terms & Conditions were listed along with this offer and I chose to accept it. That was in August of 2008. I to date, have not had any problems with unauthorized withdrawls from my bank account and after I submitted the required documents to start a membership, I received all contractual papers via US Mail. All payments that were to be debited from my checking account have always went through fine although at the initial stage of getting this membership started as PVC Inc submitted a check to Bank Of America (That's who I bank with), Bank Of America had contacted me and said they rejected the charge as they have had complaints about the company and its various names used, PVC, eClubUSA, My Computer Club etc.. I actually caught this on the very same day it happened through Bank Of America's website as I check my accounts daily online and noticed they credited my account back for the same amount that the check was to be for paid to PVC for the second installment of my membership fee and immediately called my bank about the credit to my account as I hadn't made any deposits and wasn't expecting anything to be credited.
So the CSR I spoke with at Bank Of America asked m a couple of questions as to if I'd authorized the payments and I advised her that yes, they were legitimate transactions. She stated that she'd document my account that I'd called in reference to this matter and removed the credit that they'd placed in my account and she advised me that the payment would indeed be sent to PVC Inc. It is now January '09 and (Knock on Wood..lol) I have yet to have any problems what-so-ever. I think alot of consumers that claim these types of transactions are unauthorized are in such a rush (or whatever the case may be) that they fail to read anything. I especially pay close attention to anything I put my Social Security Number on, not to mention my Banking information. These companies that have complaints like this are actually legitimate businesses and some are getting a bad rap. If I had failed to read the terms when I was on the website that I was applying for the Mastercard through that would've been an error on my part and I would've dealt with it. Consumers that report alot of these "Unauthorized" charges hve no one but theirselves to blame as it is negligence on their part, no the companies offering the product they're billing for. So, I just wanted to share my experience with this one particular company as it has been nothing but good. I received and got charged for everything that I was supposed to and nothing more but of course, I read the T&C before submitting..Be an adult and take responsibilty for your own actions and stop placing blame.
Thanks,
T. Jackson
Huntington, WV
#1 UPDATE Employee
Feel free to call us...
AUTHOR: Corey - (U.S.A.)
SUBMITTED: Tuesday, January 20, 2009
According to our records we have a Jesse and a Crystal joining this our membership online in December. I do not know if Crystal is the spouse, but perhaps she had joined and forgot to mention it to him or perhaps he just does't recognize the name on the charge. Neither one of them have contacted us to discuss this. Our phone number is listed next to the charge (877-532-2800) 9am-5pm PST M-F. Feel free to contact if you require assistance with this matter.
Corey Gautereaux
Manager
Pvc, Inc.
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