unauthorized charges on bank account
Complaint
christopher st st ange
Country: United States
I have been charged several times for Credit Report that I did not order or request. The first two charges were
as follows:
09/29/2011 Experian *FreeCredS 877-300-2507 $14.95
10/03/2011 Experian *FreeCredS 877 300-2507 $14.95
10/31/2011 Experian *FreeCredS 877-300-2507 $14.95
10/31/2011 Experian *FreeCredS 877-300-2507 $14.95
As a result of these unauthorized charges my account was charge 4 over drapft fees of $37.00 totallying $148.00 and 5 other checks were returned due to insufficient funds because of these unauthorized charges. That is a total of 9 overdraft charges at 37.00 each since September 29/2011.
Total amount to be refunded to my account is $59.80 for 4 charges at $14.95 and 5 insufficient fund charges of $37.00 for an amount of $185.00.
185.00+59.80=$244.80 to be refunded
as follows:
09/29/2011 Experian *FreeCredS 877-300-2507 $14.95
10/03/2011 Experian *FreeCredS 877 300-2507 $14.95
10/31/2011 Experian *FreeCredS 877-300-2507 $14.95
10/31/2011 Experian *FreeCredS 877-300-2507 $14.95
As a result of these unauthorized charges my account was charge 4 over drapft fees of $37.00 totallying $148.00 and 5 other checks were returned due to insufficient funds because of these unauthorized charges. That is a total of 9 overdraft charges at 37.00 each since September 29/2011.
Total amount to be refunded to my account is $59.80 for 4 charges at $14.95 and 5 insufficient fund charges of $37.00 for an amount of $185.00.
185.00+59.80=$244.80 to be refunded
Comments
Dispute unauthorized charges through your bank, and block the card number or close the account due to fraud to prevent additional fraudulent charges. Follow up with a written dispute or fraud affidavit sent to your bank's dispute address.
Do NOT waste your time trying to get your money back from any scam through the scammer. Always immediately file a bank dispute, as that is usually the only way you will ever get your money back. If you leave your account or card number active, you can expect additional monthly charges, probably around $58 to $150, until you get wise and shut it down. The couple buck charge was just a teaser to get your account number, and a test that it was valid.
The game they will play is to try to delay your bank dispute past the 60 day FRB Reg. E or FCBA dispute period, after which your bank will be unlikely to be able to get your money back. To do this they will use various excuses, like "mailing an information packet" that never comes, "cancelling your membership" but they lose the "cancellation" so monthly charges continue, requiring you to get, and send in, a "refund request" that never has any effect, having to call a "refund number" that is ignored, or the cancellation "lost", etc...
File fraud complaints with FTC, your state AG, and at www.ic3.gov