- Report: #215515
Complaint Review: Insports - Nationwide
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Insports
Nationwide, U.S.A.
Phone:
800-620-7981
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Insports ripoff. misleading information, deceiving into verbal contract, charging an unauthorized $1920 on credit card Refused To Share His Location Internet California *EDitor's Suggestions on how to get your money back into your bank account!
I replied to a Careerbuilder post for a sports promoter position and said I was interested in working part-time. I first talked to a man whose name I'm unsure of (perhaps Doug). He said he was going to refer me to his President, Nick.
When Nick called me the fun, and the lies, began.
Nick told me he was going to send me 8,000 flyers, and said I would need to make a deposit on my credit card. He said I would need to pay about $25 a month. But he told me not to pay the whole thing because I would be reimbursed plus interest in 6 months. I asked him why promoters don't just pay off the 25 dollars instead of accruing interest, and he said I COULD pay it all off if I wanted to, but no one does.
WHAT HE DIDN'T SAY IS THAT THEY DON'T PAY IT OFF BECAUSE IT'S A CHARGE OF $1,920. He was saying that my MINIMUM PAYMENT would be $25/month, while he wanted me to think that was the total payment.
Nick asked me if I was interested in being a Sports Promoter and I said "yes." To me, interested meant I was interested in hearing more. Then he said he would need to record part of our conversation, but never said that I would be contractually obligated by the time the recording was over.
After getting off the phone with Nick, I got a call from my Credit Card company informing me there was a charge of $1920 on my account, and they deemed it suspicious activity. I told them I did not authorize a charge in that amount.
I called Nick and he immediately played the tape for me. This time, SOMEHOW, on the tape he mentions the $1920, but it wasn't there the first time. I would've heard a number that large. When I confronted him about this, he told me I don't understand that companies can't do things like that. "That's considered fraud," he told me. He told me that I made an honest mistake but I was contractually bound, and he told me to "be a man" and fulfill my obligation to his company.
Nick also made it sound like he worked for an owner. Which becomes particularly interesting considering Nick said he "idolizes the owner" he considers the man "a genius," and "he can be your best friend or your worst enemy." All those things take on a new meaning when one realizes he's talking about himself.
He offered me a buyout that would return half my money, but I would have had to sign something saying I give up my rights to claims/disputes in the past, present, or future. Realizing there must be a better option, I contacted my lawyer. She told me to dispute it; she said no one would give my money to a scumbag like Nick.
I contacted my Credit CArd company and filed a dispute. I was concerned, however, because Nick told me he hadn't lost a dispute in 7 years. He also said, if I filed a dispute, he would turn me over to a collection agency and not only would I lose the entire $1920, but I would also be charged $1000 for from the collection agency, costing me closer to $3000, and he said my credit rating would be ruined. He said he was sorry, but this was his owner's (ha) policy.
Nick also lied, saying VISA only requires a verbal contract, meaning his deceitful (and probably doctored) tape. But VISA told me they won't even listen to a tape; it's not even considered by the company. My lawyer also told me this tape is worthless.
So if Nick is scamming you, and he'll try, don't believe his bit about the credit card company accepting his tape as a "verbal contract." In fact, you're better off not believing anything he says. I could share more details, and I will if anyone is interested in him, but the bottom line is: Nick is deceitful and he wants your money, and he'll do anything to get it.
The worst part is this: Nick has been lying, running this scam for so long (with Play to Win Sports prior to InSports), that I think he no longer realizes he's lying to people. He actually thinks he's providing a good opportunity to make money.
If anyone is interested in a class-action lawsuit, don't hesitate to contact me. I don't really care if I get anything other than my money back, but I want to prevent Nick from preying on people, stealing money from those who are sucked into his offer because they NEED money.
Tyler
Eaton, Ohio
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.
When Nick called me the fun, and the lies, began.
Nick told me he was going to send me 8,000 flyers, and said I would need to make a deposit on my credit card. He said I would need to pay about $25 a month. But he told me not to pay the whole thing because I would be reimbursed plus interest in 6 months. I asked him why promoters don't just pay off the 25 dollars instead of accruing interest, and he said I COULD pay it all off if I wanted to, but no one does.
WHAT HE DIDN'T SAY IS THAT THEY DON'T PAY IT OFF BECAUSE IT'S A CHARGE OF $1,920. He was saying that my MINIMUM PAYMENT would be $25/month, while he wanted me to think that was the total payment.
Nick asked me if I was interested in being a Sports Promoter and I said "yes." To me, interested meant I was interested in hearing more. Then he said he would need to record part of our conversation, but never said that I would be contractually obligated by the time the recording was over.
After getting off the phone with Nick, I got a call from my Credit Card company informing me there was a charge of $1920 on my account, and they deemed it suspicious activity. I told them I did not authorize a charge in that amount.
I called Nick and he immediately played the tape for me. This time, SOMEHOW, on the tape he mentions the $1920, but it wasn't there the first time. I would've heard a number that large. When I confronted him about this, he told me I don't understand that companies can't do things like that. "That's considered fraud," he told me. He told me that I made an honest mistake but I was contractually bound, and he told me to "be a man" and fulfill my obligation to his company.
Nick also made it sound like he worked for an owner. Which becomes particularly interesting considering Nick said he "idolizes the owner" he considers the man "a genius," and "he can be your best friend or your worst enemy." All those things take on a new meaning when one realizes he's talking about himself.
He offered me a buyout that would return half my money, but I would have had to sign something saying I give up my rights to claims/disputes in the past, present, or future. Realizing there must be a better option, I contacted my lawyer. She told me to dispute it; she said no one would give my money to a scumbag like Nick.
I contacted my Credit CArd company and filed a dispute. I was concerned, however, because Nick told me he hadn't lost a dispute in 7 years. He also said, if I filed a dispute, he would turn me over to a collection agency and not only would I lose the entire $1920, but I would also be charged $1000 for from the collection agency, costing me closer to $3000, and he said my credit rating would be ruined. He said he was sorry, but this was his owner's (ha) policy.
Nick also lied, saying VISA only requires a verbal contract, meaning his deceitful (and probably doctored) tape. But VISA told me they won't even listen to a tape; it's not even considered by the company. My lawyer also told me this tape is worthless.
So if Nick is scamming you, and he'll try, don't believe his bit about the credit card company accepting his tape as a "verbal contract." In fact, you're better off not believing anything he says. I could share more details, and I will if anyone is interested in him, but the bottom line is: Nick is deceitful and he wants your money, and he'll do anything to get it.
The worst part is this: Nick has been lying, running this scam for so long (with Play to Win Sports prior to InSports), that I think he no longer realizes he's lying to people. He actually thinks he's providing a good opportunity to make money.
If anyone is interested in a class-action lawsuit, don't hesitate to contact me. I don't really care if I get anything other than my money back, but I want to prevent Nick from preying on people, stealing money from those who are sucked into his offer because they NEED money.
Tyler
Eaton, Ohio
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.
1 Updates & Rebuttals
James
Milford,Connecticut,
U.S.A.
Looking for any help I can get to stop Nick from doing this to other people.
#2Consumer Suggestion
Wed, February 27, 2008
Hi, I'm writing because I was recently a victim of the same company In Sports. Last night I filed my own report with my personal story, some suggestions, and most importantly I'm hoping "Nick" will respond to some questions I have for him. I recovered my money, but through my bank, not Nick. I'm hoping anything you can tell me will help stop this company and Nick from doing this to other people. The link to my report is http://www.ripoffreport.com/reports/0/312/RipOff0312392.htm . Thank you for any help you can provide.
