they took 49.99 from my checking account for services I never requested, I canceled their so called membership, but now I cant get a refund of the 49.
Complaint
heidi mccray
Country: United States
I was charged 49.99 for some bogus membership that I never requested from ulscustserv.com, I canceled their so called membership, figuring I would be refunded the 49.99 but no, a week later I called them and they directed me to some bogus refund site. I cant stop payment on the check because its already been paid please help!!
Comments
These scams use the "payday loan" site to get your account information, with deceptive or obscured disclosures to claim you "authorized" charges for some "membership" scam with monthly charges. Many complaints indicate they then direct you to some site to "cancel" or "request a refund", which they may ignore while they keep taking money or claim they don't have to refund. The scheme is designed to delay you in filing a bank fraud dispute, which is the only effective way to get your money back.
This particular group is run out of Scottsdale AZ. You can find links between the various names used in the scheme via BBB reports, and through common management in filings with the state of Arizona. The Florida Attorney General site shows they investigated an earlier version of their scheme.
There are numerous complaints similar to yours, of unauthorized charges under various names, notably "777savingsclub". Did you actually get any payday loan, or did they just use your information to cram "membership" charges?
Immediately contact your bank to file a fraud dispute, and close the account due to fraud to prevent additional fraudulent charges. Under FRB Reg. E, if you dispute charges through your bank within 60 days of the statement date of the statement showing the disputed charge, your bank can yank back the money. Follow up with a written dispute or fraud affidavit, mailed certified, sent to your bank's dispute address from your statement, to document timely filing of your fraud dispute.
File fraud complaints with FTC, your state Attorney General, the Arizona Attorney General, and at www.ic3.gov, which is a government site for filing internet related fraud complaints.