An email from an eLamb.org reader regarding a fraud agency knows as EZ-1 Rate:
checking account. I have no idea how they know my
information, but this wasn't authorized!!!! I won't be able
to talk to my bank until Monday morning. Is it a sure thing
to get my money back immediately, or is it possible that I
am just out of luck? Thanks.”
You didn't agree to the service nor did you receive any service so you are protected under Federal Regulation E provided you talk to your bank within 60 days of the offense. You should not have a problem getting your money back.
The bank should be willing and able to recover your money.
Once I told the bank what happend the first thing they did was try to
call EZ-1 Rate via a number on the check. When they were not in they
had me fill out a “Dispute form”. You will always the have the right
to dispute a charge on your account. Once the Dispute form was
complete it took me about 1-2 weeks to get my money reimbursed. They
gave me the money but warned if they came to the conclusion that I was
lying (after doing research on it) I would be liable for paying the
bank back plus a hefty fee.
These people (EZ-1 Rate) are so shady that they even had a
recording of my wife saying she wanted a service. My wife found this
out after calling them to tell them we did not order their service and
wanted our money back. Thats when we realized that they had taken her
recorded voice from another fraudulent agency known as American
Advantage Benifits (who claimed to be a government grant agency).
Advantage Benefits had successfully “socially engineered” us. But
after doing research (google) I told them I didn't want their service.
Little did I know, these people had recorded the entire session and
gave it to EZ-1 Rate.
I imagine they would have played the recording for the bank if
they'd called. But even if they played it, I would have still have
gotten my money back (from the bank) because I received no service at
all from EZ-1 Rate. If the bank were to point fingers at me I would
have showed them all the stuff on the Net about EZ-1 Rate: http://www.google.com/search?client=firefox-a&rls=org.mozilla%3Aen-US%3Aofficial_s&hl=en&q=Ez+1+rate&btnG=Google+Search
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