Your Saving Club They fraudulently debited money from my acc. for 11 months. now I can't get my money back Your Savings Club Des Plaines Illinois

My husband signed up for 123 privacy matters in oct of 2007. He was told that if he called to cancel the order within 30 days we would only be charged $1.95 or something. So we did not like the product they offered so we cancelled on oct. 30th of 2007. I kept noticing charges on our bank account.

The Charges was from a your savings club. I just thought it was a hold for a debit purchase. It was only a dollar a month. So when I called the phone number you can't get a real person. I went to their website and e-mailed them my problem. come to find out when we signed up for 123 privacy matters they also signed us up for your saving club. Which seems to be how they say you authorized the transaction by giving your information,while you are thinking it is for the 123 privacy matters.

So when we cancelled the 123 privacy matters we thought that ws the end of it. But I started looking at our statements closer and found that your savings club had been debiting our account for 11 months from 9-07 / 8-08. WE NEVER AUTHORIZED this charge. My bank account is always low on funds. Thank goodness they did not make me overdraft. I bet there are alot of people in just that situation. Something needs to be done to this company!!!

SOMEONE PLEASE HELP...

I am going to be contacting WSPA Channel 7 in Spartanburg to see if they can help....

Verne & lisa
Ellenboro, North Carolina
U.S.A.
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 chargetruth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics still worshould k. The bank can easily fax or mail to you the Federal Regulation E dispute form.