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Report: #161793

Complaint Review: TWX - AOL - Internet

  • Submitted:
  • Updated:
  • Reported By: Wyncote Pennsylvania
  • TWX - AOL AOL.com Internet U.S.A.

TWX - AOL ripoff took $23.80 out of my bank acount without my approval Internet *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE Employee: Possible scenarios...

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On Oct.17 TWX AOL took $23.80 out of my bank account without my authorization. I do not use AOL services and do not know how they got into my bank account.

Marlene
Wyncote, Pennsylvania
U.S.A.

Click here to read other Rip Off Reports on AOL

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!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...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.

This report was posted on Ripoff Report on 10/23/2005 01:02 PM and is a permanent record located here: https://www.ripoffreport.com/reports/twx-aol/internet/twx-aol-ripoff-took-2380-out-of-my-bank-acount-without-my-approval-internet-editors-161793. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 UPDATE Employee

Possible scenarios...

AUTHOR: Joe - (U.S.A.)

POSTED: Sunday, October 30, 2005
One of these scenarios happened, before we jump to the conclusion of "unauthorized".

1) Most banking institutions offer a Debit card (Visa Checkcard for example), these are bound to the associated checking account. It may have been possible a spouse or family member created an AOL account via that card. The person creating it only needs the number, all the additonal information is just for contact purposes. If this happened, a cancellation (888-265-8008) should be requested. If account created by a minor, this should be explained to the CSR, and request for 60 days (2 months) credit should be honored before the account is terminated.

2) A spouse or family member created an AOL account with that checking account number. The person creating it only needs the number, all the additonal information is just for contact purposes. If this happened, a cancellation (888-265-8008) should be requested. If account created by a minor, this should be explained to the CSR, and request for 60 days (2 months) credit should be honored before the account is terminated.

3) Truly, unauthorized, an actual fraudulent use of your card/checking account occured, and someone else has access to your information. You will need to contact your bank to input "fraud" notes on the acct, and change your account number, and reissue/destroy your debit card. Finally, you will also need to contact the AOL Fraud Department to discuss a resolution to this, their number is 1-800-307-7969
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