Complaint Review: Capital Vacations - St. Petersburg Florida

I was duped by Capital Vacations. I gave them my account number believing I would recieve a vacation package, and I never did. My account was debited for $19.95 for quite a few months. Each time it was, I called the number that was given by my bank.

I called the number and followed the prompts. It instructed me to enter my phone number and then press 1 if I wanted to cancel my membership. I did so and it informed me that it would return my money in 14 business days. I never recieved that money. I figured since it was barely under $20, I wouldn't make a big deal over it.

However, the next month my account was debited AGAIN and my account ended up overdrawn! I again called to cancel, and went through the same procedure. I thought maybe their system hadn't registered my cancellation, and I fell for the same thing AGAIN.

Finally, when they debited my account a 3rd time, I talked to an operator. She was very nice and I physically cancelled my account with her and recieved a cancellation number. In order to get my money back, she said I had to send a letter with my name, address and the phone number I used to register with along with the cancellation number in order to recieve my money back.

I did so, and it has been almost 2 months since then.

I am writing them another letter giving them 2 weeks from this monday to get my money to me or call me explaining why I haven't recieved my money before I take legal action. I was willing just to take the $19.95 they promised me, but if I am pressed to take legal action, I will sue for all the money they took from my account, including the overdraw fees I had to pay as a result of them. I work for a firm of lawyers, and I am sure they will be willing to help out.

I will let you all know how this progresses and if I get any response to anything.

Cami

Annapolis, Maryland
U.S.A.

Click here to read other Rip Off Reports on Capitol Vacations

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

[email protected]

badbusinessbureau.com

www.ripoffreport.com

Don't let them get away with it.

Make sure they make the Rip-off Report!

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