auto debit to cking acct.

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Complaint

0
Lana Konrad
Country: United States
This company (thru their processing company, Altcharge) debited my elderly mother's checking acct. for $396.38 for a medical discount service on 10/6/10 w/ a bogus check.  My mother did not authorize this phone solicitor to debit her ck. acct. nor does she want this service.  I have tried to called this toll free 1-888-778-6987 for several days - ALWAYS BUSY SIGNAL.  The processing company "red flag" this merchant but this does NOT get my mother's acct. credited for a service she does not want nor authorize.

Comments

  • 0
    Charles Beck
    My brother, who is disable, was hit by the same company in the same ammout. I keep hearing that there is a refund coming, but the refund date has come and past three time. Somebody needs to shut this operation down and send some people to jail.
  • 0
    Laurie
    They got my mother in law for $449. I have been calling the number for months and I'm always told the same thing....to call back next week and a very rude guy named Rob will raise his voice with you and insist that INT Med is a reputable company. I wonder how he sleeps at night?
  • 0
    Bruce D. Duncan
    This company (thru their processing company, Altcharge) debited my checking acct. for $396.38 for a medical discount service w/ a bogus check.  I did not authorize this phone solicitor to debit this ck. acct. nor does he want this service.  I have tried to called this toll free 1-888-778-6987 for several days - ALWAYS BUSY SIGNAL.  I finally got thru to a talking person and they had told me I would get a refund in October. To date, I am still calling and trying to get this refund.  Can someone help me get this refund? Thank you.
  • 0
    KADT
    My elderly mother was targeted by this company as well for the 396.38 on 1/3/11. I went to her bank and had an un-authorized stop pay done on this.
    Who can we call about these companies scamming our elderly people? This is not the first time this has happened to her by other companies. I check her account every day and there is a bank location close to where I work so I can stop this non-sense. I have had to change her checking account 3 times already. When they call up they pretend they are the bank calling and ask her to confirm her checking account and get all the information from her. Then yeah it's processed through a third party payment center! I am turning them into the credit bureau and my local D/A's office as well.
  • 0
    Shannon in St. Louis
    Find out who the issuing bank is.  File a complaint with the BBB (it does help) AND then file with the Attorney General for the state that the issuing bank is in and your own state.  Then go to the Federal Trade Commission webiste and file your complaint with them as well.  There is also another site at www.ic3.gov that you need to file a complaint with.  Per the FBI this site is pretty good. Hopefully this helps you get your money back.
  • 0
    Shannon in St. Louis
    Find out who the issuing bank is.  File a complaint with the BBB (it does help) AND then file with the Attorney General for the state that the issuing bank is in and your own state.  Then go to the Federal Trade Commission webiste and file your complaint with them as well. And you will need to file the complaint against Altcharge.com, too.  There is also another site at www.ic3.gov that you need to file a complaint with.  Per the FBI this site is pretty good. Hopefully this helps you get your money back.  I got my money back in less than 10 days.  No point in trying to call a customer service line that isn't a customer service entity.
  • 0
    tj
    Problem is that many of this type of scam that targets the elderly is conducted from Canada.  Although FTC and RCMP periodically sweep up the garbage, it keeps coming back.

    Do not depend on just a "stop payment", as this type of scam often resubmits charges under different names or in different amounts.

    You must close the account due to fraud (and have her bank block ALL charges) to prevent additional fraudulent charges at some unexpected time in the future.

    You may need to take control of your mother's check book to protect her from such scammers, who are apparently targetting her repeatedly.  "Sucker lists" are often used in multiple scams, or sold among scammers.

    The payment processors that handle these scammers are also partly responsible, since they generally turn a blind eye to high rates of disputes in return for chargeback fees to keep the merchant accounts open.  Contact FTC.
  • 0
    tj
    Do all the above, but be sure to immediately dispute the charge as FRAUDULENT directly with her bank, as her bank can reverse the charges if you dispute them within 60 days of the statement date of the statement showing the disputed charge, under FRB Reg. E.
  • 0
    tj
    This is a cross-border Canadian fraudulent telemarketer and charge cramming scam, with other ocmplaints consistent with it being located in the Montreal area, home of many cross-border scams.

    These scams try to run out the 60 day dispute window, using false promises of "refunds" that will never come.

    You can dispute fraudulent charges through your bank, and get the charges reversed under FRB Reg. E, if you do so within 60 days of the statement date of the statement showing the disputed charges.  Do NOT let them run out this dipsute period without filing a bank fraud dispute.

    In addition, close the account to block additional fraudulent charges.
  • 0
    tj
    They are a scam, and their payment processor is their partner.  Calling them won't work anyway, go directly to your bank.

    File a fraud dispute with your bank under FRB Reg. E, and close your account to prevent additional fraud.
  • 0
    Susan in Maryland
    My elderly mother received a phone from these people and they had her checking account number. How do these scammers get personal banking information?
  • 0
    tj
    This is "remotely created check" (RCC) fraud.

    FTC recently settled with a payment processor, Landmark Clearing, caught aiding and abetting these schemes.

    https://complaintwire.org/Complaint.aspx/PLhoHHSPzQCJOgjN4GUuQQ

    Immediately dispute fraudulent charges directly with your bank, and close the account to block additional fraud.  Follow up with a fraud affidavit.

    File fraud complaints with FTC and OCC (Office of the Comptroller of the Currency).
  • 0
    Richard
    AltCharge debited my account in the amount of $84.80 on 9/4/12, on behalf of a merchant that neither delivered the product nor responded to phone or email contact attempts by myself or AltCharge.

    Approximately three weeks ago, AltCharge advised me by phone that they would process a refund to me, and to call back in a week to check on the status. Since that time, I have called more than 40 times, but have been unable to get through to a CSR.

    After varying times on hold, I eventually get to "First in Line," and then hear a recording that the person at that the "person at extension 1101 is unavailable." Personally, I think they're just blackholing my phone number when I call, and that they have no intention of processing the refund.

    AltCharge is the processor of last resort for scumbag merchants that no reputable processor will deal with. If the merchant doesn't deliver, AltCharge will do NOTHING to help you get your money back.

    Do yourself a favor: If a merchant wants you to pay them through AltCharge, RUN as fast as you can.

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