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Report: #326404

Complaint Review: WC VALUE PLUS - Minneapolis Minnesota

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  • Reported By: citrus heights California
  • Author Confirmed What's this?
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  • WC VALUE PLUS Minneapolis, Minnesota U.S.A.

WC VALUE PLUS I've been getting a $16.95 charge to my Visa Credit Card for 2 months now. I do not recall making any charges to any such service Minneapolis Minnesota *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE EX-employee responds: it was authorized, gaurenteed

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I've been getting a $16.95 charge to my Visa Credit Card for 2 months now. I do not recall making any charges to any such service. It looks like just another fraud company

Stas
citrus heights, California
U.S.A.

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 04/15/2008 08:50 PM and is a permanent record located here: https://www.ripoffreport.com/reports/wc-value-plus/minneapolis-minnesota/wc-value-plus-ive-been-getting-a-1695-charge-to-my-visa-credit-card-for-2-months-now-i-326404. 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 EX-employee responds

it was authorized, gaurenteed

AUTHOR: davidripoff - (United States of America)

POSTED: Wednesday, March 24, 2010

I worked for a company called x, it is a call center that provides the customer service for value plus, fun source, budget savers, vacation passport and a couple new ones, saver solution so on and so on. 

I know if you were charged by one of these companies, you or someone you let use your card gave authorization to charge this.  A product or service was purchased over the telephone or internet, say an instyler, banjo minos, anything, at the end of that call you get the high pressure bs and you end up entering your birthday into the telephone (this is your digital signature, this is where you get screwed) or if it was done over the internet they do keep your IP address. It is impossible for this company to charge you otherwise.  If you would like a copy of this authorization, just ask and they will mail it to you (I believe by law they have to do this).

Do not dispute this through your bank or there is zero chance of you getting your money back.  You'll have it back for a week or so until membership services proves they do have this authorization.  However at that time, they were charged like an $80 fee for the charge back on their account and they don't like it.

Your best bet is to call the 800 # on your statement, very politely ask all the questions, and write down the answers.

1.  How was I signed up

2.  When was I signed up

3.  How much have I been charged since this membership began total

4.  What is my subscriber number (you may need this when requesting a refund)

5.  Ask for a full refund (you may have to wait for a form to fill out)

6.  This is the big catch, if you don't ask, they don't tell.  Do I have any other memberships with membership services?  (make them search using your last name and zip code, last name and first name if it isn't too common, phone number, cc number (it's just a partial, first 6 & last 4), maiden name (if applicable).   if so go back to question 3 2 or 1

oh, and pretend to be a lawyer for your friend, these always give us a good laugh at the call center.  (lawyers don't sound like the people on tv, nor do they use non-flewencies such as ummm, uh, ok)

legally they don't have to give you squat back, this was all agreed to.  however one of the most effective ways is to have someone else call on your behalf and say you have alzheimers or something like that and ask very politely for a full refund.

GL on the recovery of your funds from membership services.

an x employee

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