USA Credit CREDIT CARD SCAMMERS!! Internet

I check my bank account EVERY SINGLE morning before I go to work to make sure I have enough money for lunch at work and what not incase I need it and this morning when I looked I was in the red, overdrafted by 149.95!!! The night before I had money in my account. I looked to see what did it and it said USA credit. I have never even heard of them! I keep trying to find their website online and this is the only legit thing I can find that makes sense to me!!

I went to the bank and the only explanation they had for me was that it must be my car payment, except my car payment is with Primus Credit not USA credit!! I have been scammed into something without knowing it!!

They are frauds and if you call them you will be on hold for a really long time and get no help. Get these people out of business!! They are doing illegal stuff here and they are still allowed to be in business even with this whole website of people talking about them stealing money from them!!! I need to know how to get my money back because I can't afford for them to take out 150.00 and then get charged 35.00 for an overdraft fee!!! Help!

Bol1693
Fredericksburg, Virginia
U.S.A.
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 chargetruth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

demand tion E.
Go to your bank within 60 days of the charge,