- Report: #254758
Complaint Review: Credit Line Gold Card - Largo Florida
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Credit Line Gold Card
3665 East Bay Dr Ste 204 24 Largo, 33771-1965 Florida, U.S.A.
Phone:
888-3832282
Web:
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Credit Line Gold Card They lied about the charges being deducted on a certain date from my bank account. ripoff Largo Florida *EDitor's Suggestions on how to get your money back into your bank account!
After denying Credit Line Gold Card services for about the fourth time (or more) on my work phone number, I told the rep that was contacting me not to call me at work because I am not allowed to receive personal phone calls. She then proceeded to call me on my cell phone and at work! I would hang up and tell her I was not interested.
I finally decided to listen to what she had to say. She said I would receive a credit card with low interest rate that would never go up. She said that all I had to pay was $11.95 to process the credit card and that I would get $2500 credit. I asked her if this was a credit card I could use in all the stores that accepted credit cards and she said yes. That I could even go buy groceries with it. I agreed to get the card and gave her my bank account information. She then transferred me to a guy that read the terms and conditions and I had to answer yes on a recording.
After listening to the terms and conditions I noticed that they mentioned something about a $200 deposit that I needed to make as well. I stopped them right away and told them "I did not agree to $200! The lady only told me about the $11.95 charge!" and I hung up.
They called me back to my cell and work number like 10 more times and they asked me to listen to them once more. They said they would take out the deposit of $200 from the credit card they were giving me and that I would only pay the $11.95 out of my bank account. They said "In the recording of the terms and conditions, don't get confused. When you hear 'account'.. it means the Credit Line Gold Card account, not your bank account." They asked me to agree to everything and that only $11.95 would be taken out of my bank account. I did just as they told me.
Today, June 15, 2007, I was supposed to have the $11.95 debited from my account. I felt like something was not going to go right. I called to their customer service number and asked them to cancel everything. The man there said it was too late and that $211.95 would be debited from my account.
I was mortified! I didn't have the funds in the bank and my account would go bad. Plus, I was shocked that the reps had lied to me like that!! I told the customer service rep. that I was going to call the police because I had not agreed to having that much debited from my account. The rep asked me to hold and it seemed like he went to go talk to his manager.
After a few second he came back on the line and told me that he had managed to stop the charges from hitting my bank account. You could tell they were scammers. Although that happened, I said "thank you" and hung up.
Elizabeth
Oxnard, California
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!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
I finally decided to listen to what she had to say. She said I would receive a credit card with low interest rate that would never go up. She said that all I had to pay was $11.95 to process the credit card and that I would get $2500 credit. I asked her if this was a credit card I could use in all the stores that accepted credit cards and she said yes. That I could even go buy groceries with it. I agreed to get the card and gave her my bank account information. She then transferred me to a guy that read the terms and conditions and I had to answer yes on a recording.
After listening to the terms and conditions I noticed that they mentioned something about a $200 deposit that I needed to make as well. I stopped them right away and told them "I did not agree to $200! The lady only told me about the $11.95 charge!" and I hung up.
They called me back to my cell and work number like 10 more times and they asked me to listen to them once more. They said they would take out the deposit of $200 from the credit card they were giving me and that I would only pay the $11.95 out of my bank account. They said "In the recording of the terms and conditions, don't get confused. When you hear 'account'.. it means the Credit Line Gold Card account, not your bank account." They asked me to agree to everything and that only $11.95 would be taken out of my bank account. I did just as they told me.
Today, June 15, 2007, I was supposed to have the $11.95 debited from my account. I felt like something was not going to go right. I called to their customer service number and asked them to cancel everything. The man there said it was too late and that $211.95 would be debited from my account.
I was mortified! I didn't have the funds in the bank and my account would go bad. Plus, I was shocked that the reps had lied to me like that!! I told the customer service rep. that I was going to call the police because I had not agreed to having that much debited from my account. The rep asked me to hold and it seemed like he went to go talk to his manager.
After a few second he came back on the line and told me that he had managed to stop the charges from hitting my bank account. You could tell they were scammers. Although that happened, I said "thank you" and hung up.
Elizabeth
Oxnard, California
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!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
