Privacy Matters Loc.800-43 Savings Club Loc.877-82 withdrawing money from my checking acct. cannot get ahold of them on internet or through phone # provided Don't Know nationwide

I was an Assitant Manager in banking industry and I had many customers dealing with very similar issues. The consumer protection laws regarding credit card purchases and Visa Check Card purchases are very different. My first recommendation is that you go to your local bank branch and request to see the branch manager or assistant manager. DO NOT CALL. Bring with you any documentation that you might have, including any bank statements showing the fraudulent or unauthorized charges. It is also very helpful to have documentation regarding your attempts to contact the company who charged your account, telephone numbers, websites and dates that you tried to resolve the issue. If the charge was made using your debit card or your Visa Check Card you will most likely be required to fill out an affadavit for each fraudulent charge. Depending upon the situation, the bank may also require you to file a police report and provide a copy for them. If the charges were drafted directly out of your checking account (called an EFT) the process will most likely be the same. The bank will then issue you a provisional credit pending the outcome of their investigation. If you used a debit or Visa Check Card and the company continues to charge you, close the debit or check card and have the bank issue you a new one with a new number. Banks cannot block what are considered "pre-authorized" charges so closing the old card is the best way to protect yourself and eliminate the hassle. If the charge was made by directly drafting the funds from your account by EFT, my recommendation is to see if any further charges are made since closing your checking account and having to open a new one is much more of a hassle for you as the consumer, but if you are charged again, the only sure way to eliminate the problem is to close the account and open a new one. If you have not already gone to your bank, I urge you to do so immediately, you only have 60 days to dispute fraudulent charges and I have seen people literally have their accounts wiped out from these types of charges and the NSF fees that accrue. They generally end up getting their money back and the NSF fees credited back, but that doesn't help when you have bills to pay, need gas to get to work or groceries so you can eat.

I hope this helps.