Anyone heard of Consumer Trust Financial

[ttistin]

Well they took $149 out of our checking account. (no we dont have that in there so now we are negative) I called the 800 number and was told that there is no one in charge to talk to and there was not another number to call to talk to someone in charge. I kept telling him over and over I did not sign up for this, I did not authorize this and I want my money back. Now I have to go to the bank and do some papers and have them try and get our money back. Just what I want to go through.

[Eyore]

Never heard of them but it seems like they do this to others as well and for the same amount. Good luck I hope you get your money back.

http://www.complaintsboard.com/complaints/consumer-trust-financial-c33630.html

http://www.ripoffreport.com/searchresults.asp?q5=CONSUMER%20TRUST%20FINANCIAL&q1=ALL&q4=&q6=&q3=&q2=&q7=&searchtype=0&submit2=Search%21&Search=Search

http://westflorida.bbb.org/WWWRoot/Report.aspx?site=47&bbb=0653&firm=90029233

[Quaker_Parrots]

Here is their website: http://www.consumertrustfinancialcreditline.com

You had better nip this in the bud now, this is according to their TOS http://www.consumertrustfinancialcreditline.com/termspage.html:
One Time Enrollment Fee………..$149.00.
Monthly Membership Fee………..$19.95.


When you go to the bank, I would take a copy of the TOS and have them block this company because it looks like that are going to take more money each month.

[BlueBerriTerri]

That is the very reason why I don't sign up for temporary or trial offers for anything free unless I plan on using the service. If you don't cancel membership, then after the trial period is up you get charged. I don't like giving out my credit card number to companies for anything other than something I'm purchasing because it's just asking for a headache.

[Willow]

This is why I'm very leary of doing anything online with my debit card. I've heard about too many things like this happening. There have been a few things I would have liked to have gotten which required a credit or debit card but I'm just too afraid to give that information out online. I'm going to be looking into getting one of those pre paid Visa cards that way I can keep a small amount on it and not worry about anyone taking funds out of the checking account.

[PrincessArky]

hope you are able to get it taken care of

[hblueeyes]

This is why when I do free trials and shop online I use a webbie or a card with a specified limit. They cannot take money out if the card is empty and it is not connected to a checking ,savings or credit card.

me

[kabcrisp]

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
EDitor@RipoffReport.com
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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We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

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...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.

[iluvmybaby]

This is why I'm very leary of doing anything online with my debit card. I've heard about too many things like this happening. There have been a few things I would have liked to have gotten which required a credit or debit card but I'm just too afraid to give that information out online. I'm going to be looking into getting one of those pre paid Visa cards that way I can keep a small amount on it and not worry about anyone taking funds out of the checking account.

That is SO smart!

[ttistin]

Hey sorry i havent posted back on this, been busy with packing and all that mess (yuck) but we ended up filing papers with our bank and they gave us back that money, gave back overdraft fees caused by this and they are now going after this place. They have put a block on them and now I am praying we dont have to mess with these people again.

I have learned my lesson about putting my card info on computer, Not doing it no more.