PVC Inc: EClubUSA PVCINC.eClubUSA.com , eClub USA Fraudelent withdrawl electronically of funds from bank account, Internet Fraud, Scam & Membership San Diego, California

Whomever you are and whether you are rebuting my complaints due to personal opinion or those of your company I just want you to know that I have better things to do than argue with you via the net. I have recieved more attention to my problem by putting it on this site than I did when trying to get your company to do anything reasonable. My bank has been aware of the situation quite awhile ago as have various other sites and law enforcement members. As for any of them working with your company to resolve my situation my guess is that since they are aware how little coorperation I recieved and what I have been going through PVC would not be the first place they would run to for assistance. As for my bank Members Choice Federal Credit Union they are very consumer oriented,caring,helpful & understanding . They do not brush people aside, hang up on them nor do they argue with consumers. In fact it has been a pleasure dealing with them because although they need to look after their own interests as any business should they are also interested in their members issues. I do not know whom, why, or what the reason was that applications were made to your company in my name but I do know that I personally have recieved NO services nor funds from your company nor do I care to. I have also not have had any funds removed from my bank account without my permission since the ones with your company. In fact neither in the past not present other than this particular problem I have never had this type of problem. I would also like to assure you that my bank is aware and should any further isssues such as this arise they will notify me personally before letting them go through. PVC has made it clear that they will do anything and everything possible to keep from reimbursing the funds in question and have also insisted that they are all knowing and powerful, so my guess is that most readers on this site can see what problems might be encountered should they consider any dealings with this company. Right from the start they will be aware that no matter what should any problems occur that they will be in for a long ongoing process and in the end still end up stressed, and still not have their concerns addressed and in the end be wrong regardless . So in summation my conclusion is that we must agree to disagree. You say that you are correct & I say I am correct. You are the big company and I am just a non important consumer who really in the big picture does not matter much as there are many others out there in the world. In summation I am not planning on the continuation of this battle of the written words with you on the net so should you respond further and comments I have will not be addressed to you. We are finished, you won so take your winnings and enjoy. But to everyone else out there please BE CAREFUL while on the net, guard all personal info, keep an eye on you personal accounts and try to be more aware of the things that can happen to you without your knowledge. Thank you all for listening and have a great week.

If you read my reply you would understand that I wasn't trying to argue with you in regards to the sign up. Although, it is strange that someone else would use your info on a payday loan appllication since if approved it would get deposited into YOUR checking account, it is the internet and it could happen. Again, as i stated before, if you can have it verified that you did not apply for the loan we would offer the difference in the refund.

I would hope that since you are claiming fraud that you have already contacted your local police department since someone out there has all of your personal information. If you haven't then you should right away. They can contact us for assistance and we can provide them the information as well as the IP address of the PC that was used. This will help them track it down to who ever joined. If they can tell us that it wasn't your PC then we would issue the refund.

If fraud was actually done, then you nor our company would be responsible for the bank fees you incurred. The fraud would be commited against us as well since they used our service as a vessel to commit it. I would hope your bank would assist you with the fees as well since you would be providing them proff that you did not apply. 

Although I appreciate that an employee of this company taken the time to read & respond to my FRAUD complaint the reply only continues to add insult to injury. I did not apply for any net loan and on the many occasions I called and emailed the company they were made aware of that fact as well as my notifying them of the fraudlent sign up & the fact that they did not nor would ever have been given permission to access my bank account. They were also told that I wanted all funds taken without permission returned the way they were removed & guess what ? They would only agree to refund a portion of the money taken (pro-rated) and that it would not be refunded in the same manner in which it was taken from me. I would have to wait to recieve a check in the mail. Seems to me that if a company can access your bank account to remove money and it's a legitimate charge that money could be refunded in the same fashion. But they never would agree to refund the entire amount,they would not put money back electronically which meant my bank would not refund any of the courtresy charges they made because my account ended up being overdrawn since I had NO knowledge funds had been taken. For my bank to refund courtesy fees the company that made the charges had to return thew entire amount taken the same way it was removed. The PVC employee also leads you to believe that their employees did not hang up on me once I became aware of this disaster and that is INCORRECT.. It was done on more than one occasion & when they did speak to me it was rather rudely and it was also made clear that regardless of what I did that the entire amount would not be refunded & for a fact not electronically and that I should feel lucky to be getting anything at all. I also did not get anywhere talking to them online. This entire scenario has caused me an excessive amount of grief & stress along with a financial hardship which I am still attempting to recover from. After what they did my checking account s****.>

First, I am sorry that you are having the banking issues that you have stated. It is not the intention of our company and our charges to cause these issues. The only reason we would have charged your checking account for the fees mentioned is because someone gave us authorization to. This sign up occured while someone was applying for a payday loan. We offer those customers a chance to sign up for our FREE two week trial membership which provides an interest free credit line without credit checks. It is just an offer though and can be declined.

you were billed two payments over a two month period. If we received a phone call regarding the cancellation of the membership after the first charge a full refund would have been issued to you but you didnt call us until after the second charge and per our terms we prorate our refund after 30 days.  Not to mention that you weren't even billed for the first two weeks. We sent emails to the address you provided online while applying for the loan on the day of the sign up, but we never received a call.

To say that my staff hung up on you and made threats to you is completely false and uncalled for. Again, I am sorry for your situation, but we did not cause this situation. if it wasn't you that applied for the loan then contact your local police department and have them investigate it. If they can verify that it wasn't you then we would offer the difference in the refund, but not until then. We are an internet based business and because of that there are many people that feel because they didnt walk into a store that they arent responsible for the things they do online. It is not my business to say one way or the other who did or who didnt apply for us, but if we get proof that fraud occured then we will assist in the recovery of funds and I am sure your bank would as well with proof.

Corey Gautereaux

Manager