Imperial Benefits ripped me off and my bank said I gave authorization. Champlin New York

I need other victims' advice. I was rippped off by this company on 1-15-2004. I immediatley went to my bank and reported fraud on my account. They sent me the form almost 2 weeks later. On this form it had 3 options to choose from:

1. You state that you didn't authorize any such transaction whatsoever.

2. That you did authorize the debit but rescinded in the transaction within 3 days.

3. that you authorized the transaction but they took it out on the wrong day.

The only one that applied to me was option number 2. The form the bank gives you is a sworn affidavit. Which if you lie on they can federally prosecute you for perjury. I chose the second option which is the truth; I did authorize the transaction but the next day rescinded. I waited the ten days that my bank said to wait only for them to tell me that because I authorized the transaction there hand were tied.

I even spoke to my branch manager and he said that flat out had I lied and said Imperial Benefits had taken the debit without permission they would have refunded my money. I explained to them that I work in a Attorney's office and hold a notary liscence in the state of Minnesota and it is a class C Felony to lie on a sworn affidavit. My bank manager didn't seem to care.

I am so disappointed in this whole situation I feel like giving up. I have showed them the rip off reports and everything. Why are other banks refunding money but not my bank. Are they not all governed by the same FDIC rules. We were all recorded giving authorization over the phone, so lying on the afidavit was not an option. Someone please help me troubleshoot this dilemma. Anyone who has gotten ripped off by IMPERIAL BENEFITS and there bank is cooperating please tell me what steps you took!! Thanks a million!

Emily
St Paul, Minnesota
U.S.A.