Noted that going over my 93 year old mothers account, there were ACH of $30.00.
Complaint
Mary
Country: United States
My 93 year old mother who cam barely see has had $30.00 ACH withdrawals from Splendor Concepts. I have no idea what it is and I am calling the bank to have it stopped. I handle her affairs and I did not authorize this and she does not talk on the phone when I am not here. I am appalled the way people and taking advantage of the elderly. I will get her money back, so Splendor be ware!!
Comments
from her account from web splendor concepts. I had never heard of them, but they must have scammed my mother into agreeing to the withdrawals. The bank is putting a stop on their activity and will try to get some of the money back.
This might not be surprising in the cases of elderly victims where the charges were found by a relative, but even those who report finding the charges themselves are NOT reporting any telemarketing call, or any connection with disclosure of their account number, or even any suspect sales call. None at all.
The fact that these cases are so heavily slanted toward elderly victims suggests that this is NOT just random attempts to push through fraudulent charges.
The perpetrators have already obtained valid account information, from somewhere.
That suggests they may be illegally buying them from someone.
With other frauds, the illegal purchase of account information has shown up in connection with Canadian cross-border fraudulent telemarketers pitching worthless "medical discount" plans, using a mix of other forms of deceptive telemarketing, including pretending to be calling from "your pharmacy", or from "Medicare".
Sometimes those calls are used to obtain account information through deception, and sometimes they are used to record the call and edit it into what they fraudulently claim is an "authorization". Montreal "medical discount" scams are similar to Montreal "business directory" scams.
Has anyone received any suspicious calls?
https://complaintwire.org/complaint/G7pQcQYYpgU/splendor-concepts-webpayment
File a dispute through your bank, and close the account or block the card number to prevent additional unauthorized charges. Follow up with a written dispute or fraud afficavit, sent to your bank's dispute address or fraud department.
If you dispute within 60 days of the statement date of the statement showing the disputed charge, your bank can reverse it, under FRB Reg. E or FCBA.
Any indications the charges are being made without obtaining account numbers from the victims?
Does she receive phone calls, and does she remember receiving any phone calls where she might have given an account number?
Does she have any care givers who might have been conned into thinking they were talking into a pharmacy or medical provider?
Or is there a high probability that these scammers never called and obtained the account information another way?
we are a legitimate online business and we have already helped thousands if not more people save on their mortgages, with our patented mortgage minder system. I apologize for those of you that have had errors or any inconveniences while dealing with us. While there may still be some kinks or glitches on our website , this does not make us crooks or a scam. Just because we are a small start up company people assume the worse, this kind of thinking makes me sick, and sad at the ignorance of the people of our great nation. Furthermore if you look at some of our most trusted and respected retailers such as wal-mart,
home depot, sears , target , you'll be hard pressed not to find MANY complaints , or even those of you yourselves , that have had unpleasantries dealing with such companies. For those of you looking to reach us we can be reached at 1-866-775-4392 and we will be happy to assist u with any questions , comments , or inquiries you might have thank you .
Your excuse that large companies have lots of complaints doesn't hold up, considering they are far larger than you, have far more actual customers, and that their complaints do not generally report significant levels of unauthorized charges, while yours are entirely complaints of unauthorized charges, with a substantial number of complaints suggesting targeting the elderly. In short, your complaint profile does not match those of large well known retailers.
1) Are you selling your product through outsourced telemarketing, possibly incentivized to pad or fake sales?
2) If so, what call lists is your telemarketer using, with what characteristics?
Are they using call lists likely to include a preponderance of older consumers?
What is the name of your telemarketer?
3) You are reported to be primarily charging checking accounts, with a report of using ACH charges, and few if any reports of credit card charge. What payment processor are you using?
4) What is your physical address (not mail drop/mail forwarder)?
5) Who are the owners of the company?
6) In what state is it incorporated, who is the agent for service of process, and what is their address?
Your bank can reverse charges if you dispute within 60 days of the statement date of the statement showing the disputed charges, under FRB Reg. E. Thus you may still be within the dispute window for disputing the May 2 charge, if you act immediately. If you delay, even for a promised refund, you could be out of luck.
What information connected with the charges showed on bank statements?
File complaints with FTC, your state Attorney General, and the Illinois Attorney General.
Illinois law includes enhanced financial penalties for fraud targetted at the elderly.
If the earlier charge is under a different name than this "Splendor Concepts", that may indicate some telemarketing operation, possibly a marketing partner. The telemarketing industry has a long history of consumer fraud, including predatory targeting of the elderly for fraud.
If this name is a payment processor, also dig back to the identity of the originating company. Certain telemarketers have a past history of fraud that shows up in consumer complaints and lawsuits.