Unauthorized Transactions
Complaint
Kris Smith
Country: United States
Hi! I have just recently realized that I have been getting charged $24.95 and $14.95 each month for the past six months from two companies called WC Value Plus and Home Shopping Essentials. I never authorized any of these transactions. I have researced the companies online and have read hundreds of complaints from other people. PLEASE help me on how I can receive a CREDIT OR REFUND??? Has ANYONE EVER gotten through and been fully refunded?? PLEASE HELP!!! THANKS! Kris Smith
Comments
https://complaintwire.org/Complaint.aspx/_EHl ... LWQALHQjMaQ7uEA
Because their fraudulent charges have been going on for more than 60 days, you may find your bank only reverses the last 60 days of charges.
Dispuring under FRB Reg. E (for checking accounts), or FCBA (for credit cards) is normally your best protection against unauthorized charges, but the dispute periods under these regulations is only 60 days from the statement date of the statement showing the charges. Statute of limitations for unauthorized charges may be 1 year however, so in theory you could sue, but that is seldom of practical value for small charges fraud.
The Senate Commerce Committee has been investigating deceptive practices in connection with this and similar companies. Some complaints indicate that these companies have refunded amounts back beyond 60 days, if the complaints are made through channels that might make them publicly visible. They are taking heat for deceptive marketing, and may be trying to limit damage to their image to forestall legislative action. As a result, they may be subject to pressure for refunds of the total amount of unauthorized charging.
First dispute through your bank immediately to get back what you can, and close your account due to fraud to block additional losses. Then raise up the heat.
To apply pressure to get the rest, file fraud complaints through BBB, FTC, and your state Attorney General, and contact the offices of Sen. Jay Rockefeller.