Inde Plus Card Internet Scam Artists ripoff Sparks Nevada *EDitor's Suggestions on how to get your money back into your bank account!

On June 5, 2007, a company named Inde Plus Visa withdrew $17.95 from my bank account This was an ACH withdrawal. I have never before heard of this company. The bank listed the phone number as : 888-433-4096.

When I called I was only able to talk to a robot or Automated calling. They will not put you through to a real person. It says if you have any questions to go to : cslogin.com.

I did and "chatted" with a customer representative. She told me that she canceled my account and I would get my $17.95 refunded within thirty days.

This did NOT happen. The next month, on July 7, $159.99 was withdrawn from my bank account. I again called and "chatted" with another operator. She said my account had never been canceled. Thaat I had NOT called to cancel it.

I then went to my bank and filled out an e-form for them to get my money back as "chatting" with any of these people was a total waste of time.

Thanks be to God, my $159.99 and $17.95 was refunded within twenty days. In the meantime I received a letter and the web address on that was not cslogin.com but www.IndependenceCard.com. It stated that in order to get this card and all the benefits it listed I had to sign the paper and return it to to the Patriot Act. According to this letter the $159.99 was a one time fee. Afterward, they would deduct $14.99 monthly., if I used the card or not.

Anyway, if you ever see this on your bank statement , go directly to your bank and fill out an e-form. They have to refund your money if you did not authorize them to withdraw it. Also, contact your state's District Attorney Office, state representative and senator.
My state representative did respond to my letter and they are now looking into this so called company.
This was a nightmare. They are total Internet Scam Artists.

They withdraw the money and it usually takes about three months before you get the letter that you must sign in order to get your card. Since I canceled and the bank got my money back, I can only speculate if you would ever even get a card or how long it would take to get it.
Good luck out there everyone and watch out! Be alert and careful of who you give any banking info to. I believe this company received mine from a third party, probably a site where I buy books.

Also, everyone, PLEASE keep reporting these scammers. We're the only ones that can help each other. Thank you RipoffReport.com for giving us a place to report these scumbags.
AuntMimi

Pamela
Genoa City, Wisconsin
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.