UNAUTHOTIZED CHARGE FROM MY CREDIT CARD
Complaint
Dorothy G. Celosia
Country: United States
Please stop the $40.00 monthly charges from my Bank of America Credit card. I have not signed a written agreement with the company. Please cancel the account. I want my payment in March and April 2008 refunded to me.
I already reported to Bank of America about this unauthorized charges.
Thank you.
I already reported to Bank of America about this unauthorized charges.
Thank you.
Comments
they refused to refund the money. i told them to stop the october charged when i called them it was still in september of 2009. but they said they had already charged me and could not cancel. Hey whose money is this. It is my money. i decide how and when to use my money. they have no right to illegally charge me like that. they said NO IS NO. NO refund.
"Class Says BofA Targets Latinos for 'Joke' Insurance
By BRIDGET FREELAND
(CN) - Bank of America conspired with "predatory expert" Intersections Inc. and AIG to make tens of millions of dollars by coercing poor, Hispanic depositors to authorize automated withdrawals for purported insurance policies, whose benefits are so paltry they are "almost a joke," and whose real purpose is to fatten the bank's coffers, according to a RICO class action in Houston Federal Court.
The insurance coverage provided is "a pitiful excuse for insurance protection," and the "amounts that supposedly will be paid are small, and the conditions to their being paid at all are highly unlikely to ever occur," according to the complaint.
The class claims that since 2006 Bank of America has profiled its customer-victims, disclosed their confidential information to Intersections, and in turn received "almost $45 million out of the checking account deposits of its poorest customers."
Lead plaintiff Jorge Gonzalez, a native of Mexico who has limited education and English language skills, says he was a typical victim of the scam.
The class claims that when someone who fits Gonzalez's profile opens a Bank of America checking account, the bank sends the customer profile and deposit information to Intersections, "a predatory expert" whose main goal is to "increase the (bank's) bottom line."
Intersections hires a telemarketing company with native Spanish speakers, who call the BofA customers, claiming to represent the bank, to persuade them "to authorize, over the phone, the purchase of some form of insurance, usually ... accidental death or disability," the complaint states.
Once the telemarketer receives an OK from the customer, Intersections begins taking a "so-called 'premium'" out of their checking account, under the name "Smart Step," according to the complaint.
"Most of those withdrawals are divided among Bank of America, Intersections, and the telemarketing firm that made the first call," and a small amount goes toward an insurance premium, the complaint states.
Intersections "derived over $236 million in revenues in 2007 and over $361 million in revenues in 2008," which does not include what was paid to AIG or its subsidiary, according to the complaint.
...
Defendants include Bank of America, Bank of America Insurance Services, BA Insurance Services, Intersections, Intersections Insurance Services, Loeb Holding, Global Contact Services, American International Group, and National Union Fire Insurance Company of Pittsburgh.
The class seeks punitive damages for fraud, breach of contract, unjust enrichment and breach of fiduciary duties. Its lead counsel is Kenneth Wynne.
..."
Their contact information:
http://wynne-law.com/attorney_profiles.php
they enrolled me for both the IP SmartStep & the Privacy coverage.
it took me ten minutes to get the representative of SmartStep to finally cancel my policy after I told him that I was 20 years old I don't need life insurance, when thereafter he proceeded to tell me how easily I could day in my house and in my front yard.
BoA is a living Vampire sucking on the pocketbook of it's costumers.
On the day you notified BofA that the Smart Step charges were fraudulent, they had constructive notice, whether they acted on it or not, and had a duty to assist in protecting you from additional fraud un accordance with FRB Reg. E. Their liability for these charges starts from that moment, reaching back to any statements 60 days earlier.
Furthermore, BofA is already aware of fraudulent charges by their marketing partner (Smart Step/Interesctions Insurance), due to several class action lawsuits filed against both over similar fraudulent charging.
David T
1-866-702-1171
David
1-866-702-1171
Give me call, i'm a consumer advocate I can help you!!
David
1-866-702-1171(toll free)
(also Smart Step Protector Insurance)
PO Box 890
Arlington Heights, IL 60006
1-866-879-0179 - Customer Service
847-797-8617 - Fax
* Cancel by phone (1-866-879-0179) & get confirmation number to stop future charges ...but don't hang up just yet, also request "Refund Inquirey" to try and request "Proof of Enrollment" (audio CD will be mailed with recording of you agreeing -or not to enroll)
The law firm of Salehi & Associates was recently retained by a client who, upon opening a Bank of America account, received a letter from Smart-Step Protector Insurance claiming that he had enrolled in one of Smart-Step's insurance policies. Salehi & Associates is investigating allegations that Bank of America improperly divulged personal information to third parties and/or that Smart-Step improperly obtained said information. We are currently looking into this matter, and are interested in any information or assistance that other Bank of America account holders would be able to provide. You may contact us at 310 820 3366 or visit our site at www.salehiclassaction.com. Thank you very much for your time and attention.
The law firm of Salehi & Associates was recently retained by a client who, upon opening a Bank of America account, received a letter from Smart-Step Protector Insurance claiming that he had enrolled in one of Smart-Step's insurance policies. Salehi & Associates is investigating allegations that Bank of America improperly divulged personal information to third parties and/or that Smart-Step improperly obtained said information. We are currently looking into this matter, and are interested in any information or assistance that other Bank of America account holders would be able to provide. You may contact us at 310 820 3366 or visit our site at www.salehiclassaction.com. Thank you very much for your time and attention.