unordered charge
Complaint
Carol
Country: United States
$14.95 showed up on my credit card on 04/05/12 from an Amazon charge made on 03/28/12; I caught it on 04/11/12--was cancelled on that date, but charge remained because it was past the 7 days "trial period" I never signed up for!
Comments
They typically bury this "offer" in legal boilerplate for some other merchant's terms, intending consumers to miss it, as a pretense for their fraudulent monthly charges. The "7 day trial period" is also just for show, since if you aren't even aware you agreed to anything, how would you know to cancel what you never actually agreed to? They are faking the appearance of an "agreement", while doing everything they can to hide it from you.
If you never signed up for it, or if they deliberately obscured it so you never even saw it, then you never agreed to it, and it is a FRAUDULENT charge, not a "billing dispute".
It may or may not be connected to Amazon, or even a third party selling through Amazon. They don't typically play these games.
"Cramming" is most commonly reported in connection with internet or phone orders place to companies advertising consumer products on TV or internet, like "snugglies", pet claw trimmers, overhyped beauty products or vitamins, etc. If it's cheezy or overhyped, watch out.
Dispute it through your bank as fraudulent, and block the card number to prevent additional fraud. Your bank can reverse it if you dispute promptly, within 60 days of the statement date of the statement showing the disputed charge, under FCBA. Follow up by sending a WRITTEN fraud dispute to your bank's dispute address, and by obtaining and returning a fraud affidavit to your bank.
File fraud complaints with FTC, your state AG, and at www.ic3.gov
https://complaintwire.org/complaint/PagBAAAAAAA/identityhawk
The credit monitoring services have a long history of deceptive negative option marketing.
In particular, Experian's consumer monitoring services have settled at least twice with FTC over deceptive marketing.
Fraudulent Freescore charges:
https://complaintwire.org/complaint/hLNp3AspPwU/free-credit-score
The identity thieves are using stolen credit cards to buy other people's credit reports from the credit report and monitoring sites. If you never ordered anything from Freescore (which apparently signs their customers up for Identity Hawk), then your charges may be a result of this fraudulent activity.
See article on Red Tape Chronicles
https://complaintwire.org/complaint/PJ-UI6K6K ... -877-2977790-ca
File a fraud dispute through your bank. Get your money back.