Monthly debit card charges
Complaint
Della Woodham
Country: United States
I attempted to order a shymaro body suit from a TV Advertisement. I received a letter stating "They were sold out" and my money WAS RETURNED, however I have been charged $24.95 a month for approximately a year and also $14.95 from SB Savings? (I'm still waiting for those great saving coupons). Due to a busy schedule and work, I regret that I did not take care of this matter. I had my Visa debit card changed (01) time for this reason and was told by the Bank that I did not have to change my account number, just the (03) numbers on the back. This apparently did not solve ALL of the charges that were being taken from my account.
Comments
These scammers set up their charges as "automatic and repeating", which allows the charges to continue even when a new card is issued as long as the card number is the same. They aren't running them through as individual charges requiring each new CVV.
Send notice to your bank, IN WRITING, that the fraudulent charges have continued despite their advise not to block the card. List all fraudulent charges in your dispute. In addition, file a complaint with your local police for fraud and theft, and obtain a copy of the police report. File that with your bank as well.
Your bank will probably come back claiming they can only refund unauthorized charges back 60 days. File a complaint against your bank with OCC (Office of the Comptroller of the Currency), including the disputed charges, and your bank's failure to protect you from ongoing fraud. This may or may not be very effective, but do it anyway.
You should also contact the office of Sen. Jay Rockefeller, whose Senate Commerce Committee is investigating this and several similar scam companies. These companies are trying to claim their charges are "authorized", that consumers could "cancel", etc, yet the charges are set up to continue. Detail the problems this has caused, the failure of your bank to stop it, and your monetary loss.
These scams have reached the level of a multi-billion dollar "industry".
You might also contact the New York Attorney General, who is also investigating the companies that pass consumer account information to these scams.
EVERY TIME you find fraudulent charges on an account, you must dispute it, IN WRITING, under FRB Reg. E (for checking accounts or debit cards), or under FCBA (for credit cards), and close the account due to fraud to block future fraud. That is the ONLY effective action you can take, since companies that set up to make fraudulent charges will do so in a manner to maximize their take even knowing the actions you might take to block them. For example, using multipe names for charges makes blocking charges against one "company" ineffective.
While you are at it, find a new bank. This one hasn't done it's job. You will know for sure when you find whether they will make you whole. Not likely.
In the future, do NOT have or use checking account numbers, debit or check cards. They are inherently insecure when used for retail purchases. Use ONLY credit cards for retail or on-line purchases, since they are simpler to block, and the banks are more likely to proactively protect your interests if they think it is their money being stolen.
Any attempt to cancel your services just results in a lengthy attempt by your "customer service reps" to garner more information.
Bad business.
As far as making retail or on-line purchases with a debit card versus a credit card, if a card (debit or credit) is branded with a VISA logo or a MASTERCARD logo, the cards fall under the same rules whether the card is a debit or credit.
My advice would be to verify your facts before you start spouting off information.
I explained that their choice was to refund the past moneys fraudulently charged or/and I was going to report this matter to both the Attorney Generals office and Their state senitor (Plano Tx). She very quickly said they would credit me a year, but could not go back farther then that. She then gave me the address to write a further request for the additional 5 months. Credit of 149.00 should show up in 3-5 days...we will see. What a Scam!!
If you were me, you would want the same thing and would be just as upset to find this on your credit card. I would like to know how you got our credit card number. Neither me or my wife gave it to you to our knowledge.
I will be waiting to hear from you as soon as possible.
are Everyday Bargains and Easy Saver. All four of these jerks deducted money from my account without authorization starting four days after my daughter placed an order for a TV offer. They must sell credit card numbers to each other and get a "commission" for how many people they sign up so just automatically sign for you!! I never gave any of these crooks my credit card number so how did they get it? Through Consumer Fraud, embezzlement and out & out theft is the only way they gained access to my bank account! After reading all these complaints going back years I have to wonder where our justice dept. has been that they haven't put a stop to this stealing from people's bank accounts! Oh, that's right, their to busy stopping people from sharing music!! Until they actually decide to do their job and protect the American public from these thieves this will continue to happen. The dealers who allow these crooks to join their marketing should also be held accountable. Good luck dealing with whom ever answers any of their phone calls! They're rude and stop short of calling you a liar when you tell them you NEVER signed up for their product - what ever it is! I never got an email, a letter or a confirmation that I had "joined" their "club". Had these been legimate "clubs" they would never have had to sneak in under the cover of another business to sell their crap nor made it almost impossible to reach someone to cancel a "membership"!!! Hey, Attorney General Holder.. maybe you should start doing your job protecting us here at home instead of approving a deal to sell guns to Mexican drug cartels!
1) Did you call in to order the keymaro body shaper?
2) If yes to #1, were you offered voucher for a free $50 gift cards to try?
3) If yes to #2, did you call them up to cancel before the 30 trial? <---- doesnt sound like it since you're being billed. If you'd listened on the phone to what was said in the first place, beyond the word free ....
I'm not looking for a refund or anything. I apparently screwed the pooch and accepted this offer somewhere along the way. I just want to be removed and cancel the "offers" that never came and the charges that came regularly so I can cancel this credit card.