Questionable Charges with NextCard, Visa *Consumer Suggestion .. How to stop the Fraud
Upon receiving my August Statement, I made two individual payments to NextCard Visa. One on 8/13/00 for $35. which was a bank money order, the 2nd $35 payment was what is called "Click Payment", an automatic withdrawal from my bank.
I recently received my November statement to find something listed as "Adjustment-Balance-Payment" in the amount of $35, a fee of $29 for "Previous over the limit fee", along with a .69 "previous finance charge fee".
Not understanding what any of this was, besides these new fees putting me over my credit limit again (another $29 fee), I immediately contacted NextCard.
Without having to go over the entire frustrating ordeal, I will tell you that I have since made repeated phone calls, several e-mails to this company, and faxed over all supporting paperwork (6 times)to prove that this was in error on their part, I have yet to have them correct my account.
What they are trying to tell me is that one of these $35 payments was returned for Non-Sufficent Funds. How would a money order be returned for NSF? and the Click Pay is a direct withdrawal from my bank account. If the money was not there, it would have been rejected on the spot.
I need assistance from someone as my credit is becoming damaged on a daily basis because of this. Help!
3 Updates & Rebuttals
I've researched your issue. I think what NextCard has done constitutes ACH Fraud (Automated Clearing House Fraud).
#40
Wed, October 31, 2001
They filed the following to the above Rip-Off Report:
Their email: TheFraudChick@aol.com
Their name: The Fraud Chick
Their relationship to the company: Consumer Suggestion
Rebuttal:
I've researched your issue. I think what NextCard has done constitutes ACH Fraud (Automated Clearing House Fraud). Once a fraudster has a consumer's bank account number they can come up with a number of reasons to take money. There is definitely something you can do because the law is on your side this time.
You must go to your bank; a phone call will not do in this case. Go to your bank and request an ACH Fraud Form. Don't let your bank fool you, it may call it's form by another name, get it. When you fill out the form you should do the following:
1. Put the bank on notice of unauthorized withdrawals from your bank account, i.e.; the bogus "over the limit fee" and the others.
2. Request the bank redeposit those funds in your account. The bank can do this automatically through the automated clearinghouse it uses.
3. Put a block on any further withdrawals by NextCard.
If you do this immediately you should recover quickly. Don't mess with NextCard, they're cons.
You can e-mail me with any more questions.
Good Luck
The Fraud Chick
#40
Sat, October 27, 2001
More to this story..
#40
Fri, December 15, 2000
Received my new December statement. What a surprise.. Not only was nothing done to reconcil the mess they made of my account, but once again, they've added a new $29 over the limit fee jacking up the balance again, not to mention all of the finance charges that have accumulated all of this time. Does anyone have any ideas as to how I should go about getting this cleared up???