Need some advice

[Swakshi]

What is the name of your state? CA

I will preface this with some information. I have 22 doctors and I have 20 health problems, so I spend a lot of time at the UCSF hospital or the doctors' offices.

I did, through the internet contact a psychic company once and found that they were not honest about their business, so I sent an e-mail and told them I wanted my money back. They never responded. This was back in March. As I said, I'm always at the doctors' office or the hospital. My caregiver didn't pay attention and in September because of something else, I had to produce my statements for the year and I found thousands of debit charges on my account amounting to 17,000 dollars. I called my bank and said I need to know what's going on and so they said that they would look into it and investigate it.

Last week, I got a call from some man who said that his firm was retained by the merchant to sue me and yelled at me and insulted me. I told him that all I know is that my bank is investigating the issue and I don't know anything yet. I didn't even get the firms name. I asked for his and the phone number, but he was so abusive, he yelled and told me that I'm on notice. Of what, I don't know. He also wanted to know my attorney's name and I said "why would I have one?"

I told Citibank that if for whatever reason while I was gone, I owe the money then pay, but if not then I don't. I'm not dishonest and I don't understand why I'm getting yelled at without a conversation and I now can't find an attorney who'll even return my call.

Where do I stand and what should I do?

Swakshi

 

[InsuranceLadyAZ]

What is the name of your state? CA

I will preface this with some information. I have 22 doctors and I have 20 health problems, so I spend a lot of time at the UCSF hospital or the doctors' offices.

I did, through the internet contact a psychic company once and found that they were not honest about their business, so I sent an e-mail and told them I wanted my money back. They never responded. This was back in March. As I said, I'm always at the doctors' office or the hospital. My caregiver didn't pay attention and in September because of something else, I had to produce my statements for the year and I found thousands of debit charges on my account amounting to 17,000 dollars. I called my bank and said I need to know what's going on and so they said that they would look into it and investigate it.

Last week, I got a call from some man who said that his firm was retained by the merchant to sue me and yelled at me and insulted me. I told him that all I know is that my bank is investigating the issue and I don't know anything yet. I didn't even get the firms name. I asked for his and the phone number, but he was so abusive, he yelled and told me that I'm on notice. Of what, I don't know. He also wanted to know my attorney's name and I said "why would I have one?"

I told Citibank that if for whatever reason while I was gone, I owe the money then pay, but if not then I don't. I'm not dishonest and I don't understand why I'm getting yelled at without a conversation and I now can't find an attorney who'll even return my call.

Where do I stand and what should I do?

Swakshi

You need to clarify your post. The way I'm reading it, you went to an online psychic in March and then in Sept called your credit card company to dispute charges.

Did the CC credit the charges back to you? The man who called you, was that a representative of the psychic's company?

I'm confused, and my personal psychic is on vacation.

 

[dallas702]

You ran up $17,000 in calls to a psychic hotline? And, you have 20 doctors for "22 health problems"? You don't need a lawyer. You don't need a psychic. You need a psychiatrist.

I predict you are going to blow much more money on imaginary ailments and phony remedies. I also predict that most of this is being paid by the taxpayers or someone else.

BTW: there is no such thing as an honest psychic of any kind.

 

[SinkingFast]

Sorry, but it is rather difficult to understand your post. To me it reads like the psychic company not only did not refund your money (or even respond to your request to do so) but that they likely used your account number to run up $17,000 worth of unauthorized charges (with them or elsewhere). Is that correct?

Is part of your caregiver's responsibilities to keep track of your financial accounts? If so, what is his/her's explanation? Could your caregiver be the one using your account?

My $0.02 worth: file a police report first, then stay on top of your bank's investigation and be sure that they know of your extensive health problems, explaining that it is because of the amount of time you spend in/at the hospital or in doctor's offices that kept you from realizing there was a problem. Offer to provide proof. This might cause them to be a little more inclined to investigate several months back. I have no idea if there is a time limit on reporting unauthorized use of your account number but if they see that the charges are connected to a company/person you claim ripped you off in the first place, and if you have a filing number for a police report, you should have some chance at having the charges reversed. Do you have any proof (copy of email or letter) that you disputed the original charge with the psychic company?

If anyone else calls you up and yells at you simply say, "I refuse to have a conversation with anyone that insists on yelling. If you are capable of speaking in a normal tone of voice, please call back." Then hang up the phone. Do you have caller ID? If so, try doing a search (reverse look-up) on the number. Or try calling the number back (or have your caregiver call back) and ask who you have called. Then ask to speak to a supervisor, if applicable. Was the man yelling at you representing the psychic company or a merchant where unauthorized use of your card took place? Did the bank put a hold on all or part of those charges?

Don't give up on trying to retain an attorney. Even if the amount of time you have to spend looking is limited, you can go to web sites (like this one!) where you are encouraged to post your problem to an attorney (see red box at bottom of each post). That way your post can attempt to generate help even if you are in the middle of getting treatment for one of your 20 ailments.

And when time allows, try to clarify your post. You might be more successful in getting the answers you are looking for.

Good luck.
sf