Liberty Club Refund / Possible Scam Remedy
Good morning fellow consumer complaint posters,
This week, my mother’s account got hit for the $29.91 “coupon and voucher offer fee” that has been mentioned in other posts. I was taken directly out of her checking account without her direct authorization.
Admittedly, she had applied on-line for a cash advance loan; however, the “authorization” was not though any one particular site. I believe from talking with her that she performed a general search for a lender and her account information was somehow gained as a result of that search. I would assume the “authorization” was in the “fine print” of one of these sites. If it existed at all.
At any rate, this is a total scam; however, I think there is a remedy for anybody that falls pray to it. I’d like to make certain this never happens again. Follow the following steps:
1.) I realize everyone needs money from time to time, but please be wary of the on-line payday loan site one is visiting. Go directly to the lender site, and read everything you agree to. This seems obvious, I know, but please be careful.
2.) A refund can be “claimed” by going to www.libertyclubrefund.com This site, however, asks for a confirmation number, that obviously you do not have. By calling [protected] and speaking to a belligerent “customer service rep” this number can be obtained, and entered through the site.
3.) A little information about the company. They do not have a physical address. They receive mail at a Mail Service Center location at 8721 Santa Monica Boulevard #923 in Los Angeles, CA. 90069. Other businesses are listed at this address; but they are only mail pickup boxes.
4.) They draw funds from First Regional Bank of California [protected] for merchant services. As of 1/29/10, this bank is in FDIC receivership. Its accounts are owned by First Citizens Bank and Trust of Raleigh, NC. [protected]. There account transfers are handled by an “independent company” called NWNT or AE Checking. Their number is [protected], and I would go ahead and start there, as they can directly contact their client. This is most likely what your bank would do.
5.) Finally, their account routing number is [protected] [protected] It is still an active account, and I’m more than happy to post it. (Sue me!) Refer to this account when you complain to AE Checking. At the very least, they may ultimately close the account, and Liberty will have to find another company to handle their scam.
6.) These procedures should get your $29.91 back within 24 hours. It worked for me.
7.) Take care out there.