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 RipoffReport.com Author of www.ripoffrevenge.com
Rip-off Report PO Box 310, Tempe, Arizona 85280
This report was posted on Ripoff Report
on 12/1/2010 8:12:16 PM and is a permanent record located here: XBIDS | Rip-off Report: 667244
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.Click Here to read other Ripoff Reports on XBIDS
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REBUTTALS & REPLIES: 1
Respond to this report! What's This?
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?All of these "penny auction" sites are scams...Ronny g - North hollywood (, USA)
SUBMITTED: Thursday, December 02, 2010 POSTED: Thursday, December 02, 2010
..they are scams from the get go..because they do not fully disclose that they are for gambling and entertainment purposes only rather then what they imply..an "alternative to retail shopping"...and, they use fake news reports to induce more suckers to sign up.
However, if they charged your account..you HAD to have submitted [COLOR=blue !important][COLOR=blue !important]account [COLOR=blue !important]information[/COLOR][/COLOR][/COLOR]
. There is NO WAY for them to guess this or find this laying around.
Just submitting your email address alone can not authorize them to charge your account, nor can it give them this kind of critical information so cut the bull****.
Here is what you state and I quote.." I went to website and canceled immediately upon receiving email from
Xbids. I do not know how you can cancel something you never indicated
you wanted to join!"
Well why would you have had to cancel ANYTHING if you did not join?
Look..get real..we all know you messed up and fell sucker to this scam, like thousands of others have..no shame..
Here is how you get your [COLOR=blue][COLOR=blue !important][COLOR=blue !important]money [/COLOR][COLOR=blue !important]back[/COLOR][/COLOR][/COLOR]
USE the internet this time to your advantage..and not as a sucker...search online..this website, complaints..BBB etc..and print out as much documentation as you can regarding this scam gambling website.
Submit this documentation (by [COLOR=blue][COLOR=blue !important][COLOR=blue !important]printing[/COLOR][/COLOR][/COLOR]
it out) to your bank as PROOF they are conducting fraud, and DEMAND they reverse the charges.
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