•Know When to Initiate a Chargeback

There are two reasons when the card holder can initiate a chargeback: when the card was charged fraudulently, either by an unauthorized user or an ignominious vendor, or the items or services that were received by the card holder were not received, or not the same quality or type of item or service they had anticipated receiving. Examples of circumstances that warrant a chargeback include:

A consumer purchasing a brand-new item online, but receiving a used or broken item, and the seller refuses to correct the mistake;
A consumer paying for a home repair, but the worker did not complete the work that was promised;
A vendor charging a consumer's card without the consumer's knowledge, and not provided an item or service in exchange;
A vendor charging a consumer for a service or item they did not order;
A person stealing or copying t he consumer's card information, and using it to make purchases for themselves.

In any of the above cases, when the vendor refuses to refund the card holder's money, or a thief has used the card without their permission, a chargeback would be warranted to refund the card holder's money.

•2
Contact Your Bank to Do a Chargeback

For debit cards and checking account cards, the chargeback usually needs to be filed in person by the person whose name is on the account. To do a chargeback on a debit or checking account card, gather any information you have that may be relevant to the issue., like the signed contract between you and a vendor, or a copy of the eBay auction including the description of the item you were supposed to receive along with any e-mails about the issue. If you caught fraud on your account, you likely won't have any way to prove it's fraud, so the bank will instead ask you to write a brief summary of the fraud, and submit a signed statement swearing that you did not grant the vendor or thief permission to charge anything to your card.

I called National Tax Relief Center after viewing ad on television. I spoke to Alex for about five minutes regarding my tax debt issues. He guaranteed me that my interest fees and penalty charges would be removed and I would only pay for my actual taxes owed. I paid $4, 000.00 on September 24th 2008 and made arrangements with him to pay the rest by October 24th 2010. After paying the $4, 000.00 I decided to research the company and found that they have an extremely bad reputation all over the internet. Please check Better Business Bureau, Consumeraffairs.com, ripoff.com, etc. Naturally I felt duped and decided to have my brother handle the refund due to my anger. I chose not to send the remaining $1, 500.00 and my brother asked the company for at least a partial refund. The representative Alex became very agitated and stated, "I'm not going down that road with you. So you can forget about that refund. We have an army of attorneys..." I felt that the conversation was not getting anywhere and I became convinced that I lost the $4000.00. This company did very minimal work on my case. The only thing he did on my alleged case is receive a signed 3 page power of attorney. They also sent me a 10 page questionnaire w/ a cancellation policy that was impossible for me to participate in. Policy stated, "you have 5 days from date of letter." Letter was dated 9/24/2010 and I received it on 9/30/2010. They are scam artists abusing the legal system to get rich. I would also like to add that they are a bunch of cowards. I asked Alex if I could set up an appointment with him since I was going to travel to L.A. He became very nervous and lost control stating, "get the fuck off my phone you're a joke." lol.