J.D.L. Services ripoff Presented themselves to be from my banks fraud department and took $399.00 from my checking account Philadelphia Pennsylvania *EDitor's Suggestions on how to get your money back into your bank account!

I was contacted by a person who said her name was Karen Morehead and that she was from my bank's (BankOne)fraud department. She told me that she was calling in reference to a prior anauthorized transaction that had occured on my checking account last year. She said that the perpetrators had been apprehended and that the bank needed to verify my information for the case. She then proceeded to read off my bank account information, address, phone number and I agreed that the information was correct.

She said that BankOne would be sending me some information on identity theft and that they would be in touch. The following week I went into my bank to make a deposit and discovered that there was $399.00 missing from my checking account. As I did not have this much in my account it was now in arrears and overdraft fees had been added. The bank representative sat down with me and we contacted the bank's check fraud forgery unit, they took a report but told me that they could not return my money because I had fallen for their trick and verified the account information. I was told that I would have to try to get the money from the company.

I made several calls to the number (memo line on the check)1-800-587-1822. My bank also called them several times. My calls were never returned. I then decided to look up paybycheck (the company that processed the transaction), found their website www.paybycheck.com and submitted a abuse/fraud complaint with them against J.D.L. Services Inc. They told me that they would email the company and ask them to contact me. The next day I received a call from a Judy Spencer from J.D.L. Services.

She told me that the person that had contacted me pretending to be from my bank had been terminated and that J.D.L. Services would send me a check for the $399.00 as a refund as I( did not authorize the transaction. I gave Ms. Spencer the number to BankOne Fraud department and she called them as well and told them that the transaction was unauthorized and that they would refund me the money. Over two weeks have gone by and there has been no check and they have not returned any of the messages I have left at the customer service number.

In the meantime I have filed a complaint with the Federal Trade Commission, the Pennsylvania Attorney General's Office, as well as the Michigan Attorney General's Office. I have remained in communication with BankOnes Fraud Department and called the corporate offices (JPMorgan) in New York in an effort for someone to help me. I did not authorize $399.00 to be taken from my account. My checking account is now in collections and since this incident I have been unable to pay to have my diabetes medication filled because my account is now overdrawn. I am continuing to try to work with my bank to restore my account but so far I've been unsuccessful. I have also called information in Philadelphia to get another number for the company (215-568-1131 and 215-568-1208 which I think must be a FAX number). If any one has any other suggestions I'm all ears! This has been a terrible experience being victimized like this and I will continue to try to fight them.

Sylvia
Inkster, Michigan
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.