vandenberg chase and associates

I was contacted last month in regards to an old debt I never paid. I made payment arrangements without knowing my rights as a consumer. First payment went through the bank with zero concerns. Second payment was ran a day sooner then agreed upon during our first payment arrangement conversation. I was contacted by a Herbert Carlie that said my card was declined for the payment. My response was I was contacted via phone two days prior to our conversation and it was determined and told to me when the payment was due out of my account via debt card. Come to find out when I went to my bank they ran the payment through three times instead of the one that was agreed upon. I contacted the bank and was told there is nothing I can do. I have to wait until the pending transactions run through or drop from my account. Three days later the transactions are still pending. I contacted the FTC and filed a complaint, but was told there is nothing they can do. Their job is to gather complaints then look at the data to see if a case can be built.

I contacted Vandenberg chase when I was at my bank with a tellers help. I spoke to a Mr. Green that said it was the banks fault and not ours. I asked Mr. Green to speak with the teller, he said fine then hung up the phone. The bank teller told me what can be done. 1) contact this company and ask them to do a debt card removal. 2) give them the number needed to do this. 3) all this company needs to do is provide their merchant number to the bank then the money is back in your account. I called the company back and spoke to a Mrs. Jones, she asked me to fax over my bank records for Mr. Green to look over to make it right. I told her that is not necessary and I wont do it. I told her what she needed to do and how to do. She told me that is not her job and she will speak to Mr. Green. So I called back numerous times after asking this company to remove the charges from my account that I did not agree upon. I also explained that I looked more into debt removal or payment concerns and this is what I found; 1) they can not threaten you in anyway. I then explained that I was threatened with fraud charges. 2) I never received proof of my debt in writing after I has asked for it. I took good faith with this company and agreed to pay a bill, that I had not, if in fact it was a bill. 3) I'd like all something in writing that states what the bill is, how much it's for, and the actions that will be taken after the bill is paid. None of these is what the lady told me she could do.

I went to my bank today again. Contacted the fraud department and learned more about my rights as a consumer.

My question is do I still have to wait for the transactions to clear or drop from my account before I can legally get my money back?

Also If I claim fraud charges can I be held for anything? I agreed to pay the bill, but in one time fees twice a month.