Complaint Review: BankCard University - Impact Processing - Salt Lake City Utah

I responded to an email about a business opportunity offer to sell credit card processing to businesses. The email linked to web pages describing the offer parameters and referred to a $5000 "sign on bonus". It required me to enter my personal demographics on the lead page. Then it asked for my credit card info to pay for S&H to send my agency kit and sign up papers. Note***Sign up Papers. In order to get the info needed to review the opportunity, I had to enter my credit card info, or simply "X" out. Desiring to furhter investigate, and reasoning that the $2.87 charge was in line and much better that most of the Internet rip-offs that charge $9.95 or more, I decided, Why not?

Three days after I recieved the agent package, the scam began to materialize by Bankcard U charging my credit card for $34.95 labeled "Legal Services". Since I was not expecting any more charges and the sign up paper work authorization had not been review, let alone sent, the bogus charge caused my cc balance to go overlimit causing a $39 overlimit fee.

When I called the number referenced on the charge, It rang incessively with no answer, numerous times over two days. I began to smell a rat, so I went to the website shown on the paper work. This is an elaborate hoax, appearing to be legit, with all the bells and whistles of a proper business. I screen printed and then sent emails to all the email addresses listed on the website. They all bounced back as undeliverable, recipient unknown.

I looked up on the info pack that listed "Wells Fargo Bank" as the parent company, so I reasoned that Wells Fargo is a legtimate company, and so I sent a copy of the email to them. After waiting another day, I sent an email to the Corporate Board of Wells Fargo. I recieved a very polite email back within hours from an official of Wells Fargo with regrets that I was having trouble and lamenting on the criminal acts of Internet scam artist, in particular those criminally using the Wells Fargo name. He has to be copied back with any information I discover in trying to resolve this problem, so I beleive that Well Fargo is a victim too.

The Internet is like a big school of fish, feeding on itself. Scum, low life vultures prey on innocent, idealists just trying to practice the human dream of entrepreneural pursuits. It is not an American Dream alone, all mankind seeks the ability to earn for themselves and their family is some way.

Unfortunately there are far too many worm dirt, satanic piles of human extrement out there always trying to find short cuts to prosperity. If you ever meet one, they are recognizable by looking into their eyes; you can see the back of their heads because the have no soul.

I advise you to avoid BankCard University and Impact Processing like the Bird Flu! May they die a fast and painful death and rid the world of a few walking shells with nothing inside.

This rip off report system is a great first step in helping to clean up the Internet. This type of self governing of the industry is sorely needed, before the governments decide to take over and really screw things up. It would be good to figure out a way to become better known though. I've been surfing the Internet for 10 years and the first time I knew about this was only 3 days ago. The other BBB is just a lacky organization of the business community.

Again, I advise you to avoid BankCard University and Impact Processing.

Thanks, Bad Business Bureau.

Jerry

Birmingham, Alabama
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

[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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