platinum Service debited my account

Report this to your bank's fraud department. Tell them that they said you had 3 days to cancel via an e-mail you never got.

nanalenadoll - welcome to the forums!

Did you actually take out a payday loan? If not, you definitely need to take Mike's advice above and take this to your bank as a situation of fraud and have them return the money to your account.

If you did in fact take out a payday loan, if you'll let us know what state you live in, who the lender is, how much you borrowed & how much you've paid, and whether the lender is internet or storefront-based, we can offer you some advice on how to get out of that payday lending trap.

:-)

This is just like Ever Private Card. They did that to me. Apparently these places advertise on pdl sites. If you hit a pdl site and request a pdl, you're "automatically" signed up for this "other service". I caught the debit on my account and went straight to the bank. They had put it through as an electronic check. Luckily I caught it quick enough (the next day!) and they were able to reject it. I had NO CLUE who they were. It wasn't until afterward I found out and started my fight with Ever Private Card, which accomplished nothing - as they say it's nonrefundable. But, that's okay. My bank rejected it and blocked them. They didn't attempt again. You need to get to your bank ASAP and have that reversed off. It was an unauthorized charge. Please try to do it quickly, as some banks have a "time limit" with which they will reverse/dispute unauthorized transactions. Did they do it with an electronic check or with an ACH debit?

i did a pdl did not get it but they are debiting the account for platinum services that i did not take

Some of the PDL's have a small clause, that by agreeing to the terms and condition you also agree to be debited for some service. In most cases, to agree to this service is bundled up with agreeing with the terms and conditions. Also, since you give the PDL your account info, even if you do not get the loan, the service is still going to be charged on your bank account. It is a scam, and in some cases there is no PDL behind it, they just hide their "service" behind PDL application, but with no intention to actually give you a PDL. I was once charged for "Authority ID", even though I actually did not click on 'agree to terms and condition". I just clicked continue without checking the 'agree' checkbox, yet, they still charged me. I hate people like that, they make my blood boil. There's not enough insults to describe them.

File a complaint with the bank today.

I needed a pdl and they said i was quilified so i did it i got no loan and now they took 75.98 out pluse 33.00 overdraft charges. now my account is 354.64 over drawn.theres a lot of places that have told me i was quilified for aloan and there charged my account today 11/3/2008 they charged my 219.64just today thats B.S

Tabitha,

You need to check your checking account over the last 30 days and see if there has been any small deposits. They usually only give $200-$300 on you first loan.

But if you see that there was no deposit then I would contact your bank and tell them it was fraud, that you filled out loan papers on-line and there was no loan and they are now taking out the fees.

How can i get my money that they took from my account back because i never recevied an email

Contact your bank as soon as they see the charge and they may be able to do a stop pay on the charge and set up a claim for you, this is what I did.

i would like to file a complaint and receive my $99.95 credited back to my acct cindycassese

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this happened to me in my payday loan days. i disputed it and did get the money back though it took awhile (plus my bank account was closed at that point so i had to get a paper check from them, i was so paranoid to cash it! but luckily it did clear and for the record i did not cash it at my bank as i was worried they could somehow get my new banking information that way).

I got the same thing trying to apply for a pdl. They charged me $99.95. I caught it the day it went through, and filled a police report. The company told me that I had to file a police report and fax them over the police report in order to have the charges refunded. Unfortunatly that would not work fast enough for me as I had bill payments steadily going through. I went to the bank and talked with them about it after filling my police report. The bank stopped payment and is debiting my account. They have my actual account number so the only way to keep from being charged any more is to close this bank account and start a new one. The 8009728094 number that is pput with the charge is a legit number. However you may be waiting on the phone for 30min or more. The customer service department is very unfriendly, and keep telling my bank and myself that they sent me an email (IN WHICH I NEVER RECIEVED)! If they would have sent an email stating that they were taking out that much money, I would have never authorized it. My bank told me not to ever use online pdl as most of them are not legit. Go to your bank as soon as you notice the charge and ask them to stop payment! You may also want to file a police report just to make sure everything is covered!

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^^ agreed, that is why when I got a paper check back I did not cash it at my new bank.

I recently received a debit of $99.95 on my checking account. I have tried to reach the Platinum service for three days. They were closed for the holiday. Howeve, I will try to reach them again tomorrow. I have no idea why they billed my account. I am currently seeking a refund. Please advise.

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Filed with the BBB today

Filed against :
Maximum Platinum
5401-A South Blvd P.O. Box 269
Charlotte NC 28217

Complaint Description:
This company fraudulantly took money from my checking account via ACH without my consent. My account # was obtained when applying for payday loans. If you google their phone number it comes up with complaints going back to 2007. They used to charge people $49.95, then $79.99 and now $99.95 ... seems like they keep going up with what they take out of peoples accounts over the years until they get shut down. I just got off the phone with Brenda from there and she says she cant refund my money because it has to be cancelled within 6 days of purchasing. and like everyone else I did not purchase it . And of course they wait 10 days to debit your account so that by the time you notice they signed you up without knowing its too late to cancel. This needs to be stopped. They get our information when we are on-line looking for payday loans

Your Desired Resolution:
This company needs to be shut down. There is endless complaints online over and over again of this company taking money from peoples accounts without them knowing. I dont see how this comany hasn't been shut down yet? It is clear and obvious fraud. I would like a full refund. I would hope this can be stopped so they can stop taking advantage of people. We go on-line for payday loans because we are low on cash and they have the nerve to withdraw $99.95 from our account without our consent. And in most cases this overdraws peoples account resulting in unnessary overdraft fees and bounced checks. Please put a stop to this company. Thanks

This case will be reviewed by a complaint specialist at the Better Business Bureau, and then forwarded to the business for their response. It is our policy to allow the business 10 working days to respond to your complaint. You will be notified when the business has responded.

What would you like to do next?

We have received your complaint.
Thank you for contacting the FTC. Your complaint has been entered into Consumer Sentinel, a secure online database available to thousands of civil and criminal law enforcement agencies worldwide. Your reference number is: 25510210


Here are links to the publications you may find useful: [URL="http://www.ftc.gov/bcp/edu/pubs/consumer/general/gen06.pdf"]HOW TO RIGHT A WRONG (SEPTEMBER 2003)[/URL]


If you want to update your information or have any questions, please call our Consumer Response Center, 1-877-FTC-HELP. Keep your reference number handy.

I have no idea who the Platinum Services. I was debited twice on the same day for the amount of $99.95. This is roughly 200.00 out of my account for something I have no idea what its for. I will file a Fraud Claim with my bank. Now I am forced to close this account and open another one for safety precautions. This is robbery.

I too had an attempted debit of $99.95. I did not have sufficient funds, so my bank charged me a $35 fee. I called Platinum Services and after being on hold 15-20 minutes, finally spoke to an rep who confirmed I "signed up" via a payday loan application and the $99.95 was nonrefundable. I asked to speak to a Supervisor, and of course there was none on site. She took my phone # and said the Supervisor would call me tomorrow (never did). I asked for my account to be cancelled, she claims it is now cancelled...but the $99.95 charge is non-refundable. I was livid and told her what they are doing is illegal. She claims that since she has my info (name/address/bank), it is proof I signed up for the service. I alerted my bank and am now waiting for the chips to fall.

:twisted:BEWARE its a scam
I got scamed! but im not dropping it!
People dont let this so called company take advantage of you, if this happped to you fight it! I did im getting them for FRAUD!! because thats exactly what it is

I am Brian J Kane of Kane, Norby and Reddick, P.C., an Iowa law firm. We represent Platinum Services, Inc., an Iowa business corporation, based in Dubuque, Iowa, which does business in the midwest selling supplemental insurance products. Our client, Platinum Services, Inc. IS IN NO WAY AFFILIATED with or related to Nation Platinum Member Services which appears to sometimes do business as Platinum Services. Theses complaints are NOT about our client. The name similarity is confusing and has unfortunately caused some persons to contact the wrong Platinum Services. Our clisent has been recognized as one of the most trustworthy insurance agencies in the United States as determined by Goldline Research and published in Forbes.

so has anyone figured out who the are, they tool 99.95 for my account. they will not talk to me and say that i took out a payloan and i know for a fact that i did not. The thing that sucks the most is that the money that they took was my rent money.

I checked my account this morning and 99.95 was debited from acct I applied for a loan online I did not apply for the platinum card but they took my money I did receive the loan I will pay my loan off ASAP and close my acct how is it these peoplecan take your money even it you dont I was given advice dont give anyone your cking acct info because it is difficult to close it if you give them your ck card info you can close it out and get another card how is it the economy is so bad but these people have money to give

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The same thing happened to me and it was the same 1 800 number, I stayed on hold for a very long time, and then when the young lady told me I could not get my money back I told her we would see because her company was being investigated by fraud, by my bank, and guess what my bank got me my money back!

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They just did it to me...these they took 99.95 out my account~! I never okayed this! I HATE THEM AND I WANT TO RIPP THERE FACES OFF >>THESE THEY ARE GOING TO GET IT!!!!!!!!!!!!!!!!!
AND THEY SHOULD BE ASHAMED OF THEMSELVE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

To Whom it may concern, My name is Gala Tryels and I would like for you to cancel my membership you had no right to just take 99.95 dollars out of my account so I would like that refunded and back in my account as soon as next week you have made my bank account in the negative and thats not cool at all yall should be sued for that so please refund my money asap thank you Gala Tryels

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I am recently a victim of this scam. I called 1-800-972-8094 and got a hold of a guy named Chris at this AC Platinum Service. I asked him why money was being taken out of my bank account when i have never heard of them, he then stopped me and said " We work with 50 or more company's that could have taken this money out of your account". I then asked him if he could tell me which company it is then, he said "I will have to get your name & address to locate which company it is". I gave him my name and address then things got funny, he then said he could not find me under the name or address i had provided. He then said "Well the only other thing i could think of to help you with this problem is for you to give me your bank account number and that will help me find which company is taking this money and maybe you will be reimbursed". I wasn't going to do that so i decided i was done talking to him and hung up. I would just like to know has this went on anyones credit report?

We found two fraudulent withdrawals on our checking account this weekend in the amount $99.95 each. The withdrawals were recorded on July 2, 2010. I'd like to know who these guys are and how to put them out of business.

They got me. Put an electronic check through my account. I called and they said they are going to refund it back. In the meantime, filed a fraud report with my bank. I got no email, nothing. I did take out 3 loans. I was told by my bank they do this a lot and that one of the lenders likely sold my information.

I also think something should be done to the company, went to the BBB to file a complaint i hope others do to!

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i have called over 3 weeks ago to cancel and credit my account of $49.95, and as of today it's not been done. What is the status. Has this been retify?

This happened to me too earlier this month. I posted at complaints.com and it's a lot of entries there too! AAAARRRRGGGGHHHH!

This just happen to me. This company is horrible. How do they keep on getting away with this.

i got an unexpected chage on my checking account on 12/24 of $99.95 i had inquired into a payday loan but never went through with it this charge had no explantion and as you said i received no info on cancelling it no email or info on what it was for being after business hours on christmas eve i could not go to the bank directly but i need this money back i will contact the fraud dept of my bank this week if that will do any good

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It is very necessary for you to close your account, however it is not necessary to change banks. They will not be able to access your new account number unless you give it to them.

hello, i am in the military and took out two personal loans from a place called pioneer services. The loans were both for $1500, and they take around $356.00 every month. i bought it from North Carolina and this company is store front and online. I have paid roughly $1015.00 so far but they wont let me lower the payments or ne ting and they said if i did lower them myself i wuld be sent to a collector. Then i got a call from them saying if i didnt pay a certain amount by a certain date they would send the cops to my doorstep and i would be arrested for fraud. Any advice??

Well, you can't be arrested for owing a debt. If you are active military, then they issued you a loan illegally. You need to research the payday loan laws regarding active duty.