Premier Health Plus ripoff Bank Scam Des Plains Illinois *EDitor's Suggestions on how to get your money back into your bank account!

Premier Health Plus has been stealing money out of my account without any permission. I tried to close a bank account and found their sneaky little 9 dollar withdrawals had overdrafted my bank account causing in access of 100$ in fees. I called them and asked who they were and who authorized them to take funds. There reply was that my wife had for prescription insurance 5 years ago. This was funny because I have health insurance and we would never need extra prescription insurance for the past ten years. I have a young family and we would never authorize automatic withdrawel of funds for something like this.

I asked for proof and they had no signature. This is a classic scam move stating that they had voice confirmation upon which they could not prove this eveidence either. I shut down the account with php so that I could close that bank account and they sent another payment through five days later overdrafting my account again. More fees and more headache. After hours of talking to reps. with id #'s and no superiors to get me in touch with I had only a p.o. box #( another classic ripoff move) and a bad taste in my mouth from all the obvios deciet!

Now I am out around six hundred dollars total so far with this company I have never even heard of and still not satisfied. I want to file a class action suit with any one else affected by this just to make this company and the people behind it suffer. I dont even care about the money now its about anger of being scammed. What is the law with someone taking money out of your account without permission and without a signature and why are scam artists getting rich by doing this. I am going to file at the least a small claims against them and I will always be wary of small amounts being removed from my account monthly.

Paul
Burleson, Texas
U.S.A.

Click here to read other Rip Off Reports on Premier Health Plan MWI

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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...the victims' advocate

WE are Civil and Human Rights Activists

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...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.