Madison Who's Who Continual Unauthorized Charges Internet *EDitor's Suggestions on how to get your money back into your bank account!

This company is a scam. Once they convince you to order something - anything - they will continue to charge you for all kinds of items and services with no notice. In the past year, this company has charged by credit card three times for charges ranging from $150 to more than $200. I have never authorized these charges, and I have actaully specifically admonished this company that it was NOT to charge me for anything.

What happens is some salesman will call me at work every day for about a week telling me that I have only a few days to order before the latest book ships out and I need to update my biography. He then tries to sell me an expensive book. When I refuse, he charges me anyways. When I am not in the office, he harasses my secretary and tries to get her to authorize a charge on my behalf (I have no idea how my secretary would ever have the authority to approve personal charges).

When I notice the unauthorized charge and call the company, no one can tell me who authorized the charge. In fact, the most recent time, they actually admitted that no one had authorized the charge, but that they were "trying to help out" by getting my order in. When I demand they reverse the charge, they act like they're doing me a favor and then tell me it may take a few days due to my bank.

Each time, it has taken more than a week and multiple phone calls to get the charge reversed. I have called my bank which has assured me that there is no delay on their end. They process credits the same day. Obviously, this company collects interest on the float time and on those people who are not vigilant about confirming the credit has occurred. I'm sure there are many who simply give up and this company just keeps the money.

I have read the "rebuttal" comments from "customers" who support this company, and I am fairly certain that they are from employees of the company posing as customers. They use the same catchphrases and lingo that the company uses to propmote its services. These posts are clearly shills. The fact is, this company is a fraud. They rip you off. Give them your credit card number at your own peril.

Michael
Chicago, Illinois
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.