Saturday, August 04, 2007



Yes, it's true. The other day I received a credit card statement on a card that I had paid off. On it, there was a charge for 29.99 on July 10th, from a company called VIP TUNE from Limassol... I knew, I didn't charge anything like that and also knew, no one in my family had either. (actually I had cut that card up 3 months ago)... Upon calling the bank who issued the card... they acted they knew nothing about it...somewhere though, between their words it seemed THEY KNEW ALL ABOUT IT BUT STILL REPUDIATED IT... Finally the conversation culminated with WE WILL SEND YOU OUT A FEDERAL REGULATION E FORM. They also said they will close the account and issue a new number and card... I KNOWED they KNOWED about this fraud. Now, I just have to wait until the form comes in and hopefully it will be resolved. Wanted to alert all about this new rip-off so everyone will check their bank statements closely. Go to: to
read more about it. Thanks, thinkingblue

Report: VIP Tune Limassol
Category: Corrupt Companies

VIP Tune Limassol False charges rip-off Internet *Editor's Suggestions on how to
get your money back into your bank account!
Respond to this report!

Are you an owner, employee or ex-employee with either negative or positive
information about the company or can you provide "insider information" on this company?
Victim of this person/company?
Are you also a victim of the same company or person? Want Justice? File a Ripoff Report and don´t let them get away with it!
VIP Tune Limassol

Limassol, Internet,

Submitted: 7/17/2007 6:53:18 AM

Scottsville, Virginia

I noticed a charge on my bank account for $19.99 that neither my husband or I made. The charge came from VIP Tune Limassol. There was no phone number beside it. The company is allegedly out the Mediterranean. We called our bank to dispute the charge and found we could not dispute it until it cleared.

I checked our bank statement again today. This company used a telephone number
fraudulently from Barnes and Noble. I did contact Barnes and Noble to make them
aware that this VIP company was fraudulently using their number for a transaction.

Anyone else out there with a charge from Vip Tune Limassol? Any advice of what I
should do next? My check card has been cancelled.

Scottsville, Virginia

Editor's Suggestions on how to get your money back!


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 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!


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.


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 & Author of

Don't let them get away with it.™

Make sure they make the Rip-off Report!

We are not lawyers.

We are not a collection agency.

We are Consumer Advocates.

...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency consumers, for consumers

YOU CAN BEAM ME UP NOW, SCOTTIE.border="0">Thinkingblue


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