Consumer complaint received 2019-05-02
Company: Jim Bottin Enterprises, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is an update on my last complaint XXXX. After requesting and reviewing the original contract for the service XXXX XXXX / ABC Financial Inc. claims that I signed up for but never did, I noticed that my signature is a forgery. That is NOT my signature on that contract. Both the contract containing the forgery and an FTC identity theft report that was filed are attached to this complaint. 




The collection company abc financial on behalf of XXXX XXXX charged my atm card {$540.00} completely out of the blue without my written or verbal authorization on XX/XX/XXXX. The charges they claimed were coming from training sessions I got almost a year ago in the early summer of XX/XX/XXXX which I came in to cancel and settle up on almost 6 months ago. I spoke to both the trainer and the regional manager who informed me that it would be cancelled, the balance was settled and I would no longer be charged for anything. Recently I came into the establishment and asked XXXX at the front desk if there were any outstanding charges that needed to be paid. Just in case. He informed me there was no balance whatsoever. I also spoke to XXXX the previous regional manager the exact same question and he gave me the same response as well. No balance. I even asked my trainer XXXX who told me that I dont owe anything on the training sessions from last year. They all basically told me the same thing. There is absolutely no balance. Now I go to charge my card this afternoon and find out there's almost XXXX dollars missing. Once I noticed these astronomical charges to my XXXX XXXX account from XXXX  and ABC financial I immediately called the store on XXXX XXXX and spoke to XXXX the manager who said that now all of a sudden there was an outstanding balance. I told him I already had this cancelled and settled up on a long time ago because I never came in to redeem or use any sessions. It was pointless to keep paying so I cancelled my subscription a long time ago. I spoke to 2 different people who informed me that it was in fact cancelled. He said that they were wrong I owed money. Now it seems they just decided that they were going to start another subscription, forge my signature and charge me for something new i didn't agree to without any prior notification when I asked if there was anything past due on my account numerous times with all different people. It's either these people are totally incompetent or are clearly trying to take advantage of someone. This situation has now put in a serious financial hardship because they basically cleaned out my XXXX XXXX   checking account and I am unable to pay my other bills. I didnt agree to these terms and the sessions I once had were cancelled almost a year ago. I am disgusted by this company 's level of professionalism and uninformed staff. They have clearly taken advantage of the situation and have violated my rights as a consumer by not producing or sending any printed bill or invoice to my billing address or in person that clearly states the amount that was owed at least 14 days before said due date. I was never notified, only charged, and that is in clear violation of the law and sits in the realm of unethical business practices.

Company response to consumer: Closed with explanation