UNAUTHORZED DEBT
Complaint
Larissa
Country: United States
I LOOKED IN MY ACCOUNT AND SAY A CHECK WTHDRAWL OF 49.99. WHEN I CALLED THEY SAD TO DO THE REFUND BUT AFTER READING ALL THESE COMPLAINTS IM GOING TO MY BANK. I JUST CHANGED BANKS A MONTH PRIOR SO THE ONLY ONLINE USE WAS FOR A PAYDAY LOAN. THEY GOT MY INFO AND WENT INTO MY ACCOUNT. I WILL NEVER DO ANY ONLIINE PURCHASES OR LOANS EVER AGAIN. IF YOU DID THIS IT MAY BE HOW THEY GOT INTO YOUR ACCOUNT.
Comments
These scams use the "payday loan" site to get your account information, with deceptive or obscured disclosures to claim you "authorized" charges for some "membership" scam with monthly charges. Many complaints indicate they then direct you to some site to "cancel" or "request a refund", which they may ignore while they keep taking money or claim they don't have to refund. The scheme is designed to delay you in filing a bank fraud dispute, which is the only effective way to get your money back.
This particular group is run out of Scottsdale AZ. You can find links between the various names used in the scheme via BBB reports, and through common management in filings with the state of Arizona. The Florida Attorney General site shows they investigated an earlier version of their scheme.
There are numerous complaints similar to yours, of unauthorized charges under various names, notably "777savingsclub". Did you actually get any payday loan, or did they just use your information to cram "membership" charges?
Immediately contact your bank to file a fraud dispute, and close the account due to fraud to prevent additional fraudulent charges. Under FRB Reg. E, if you dispute charges through your bank within 60 days of the statement date of the statement showing the disputed charge, your bank can yank back the money. Follow up with a written dispute or fraud affidavit, mailed certified, sent to your bank's dispute address from your statement, to document timely filing of your fraud dispute.
File fraud complaints with FTC, your state Attorney General, the Arizona Attorney General, and at www.ic3.gov, which is a government site for filing internet related fraud complaints.