Dispute
Complaint
Doretta Tobe
Country: United States
I called this company WC Value plus V 888-833-7279 - I did not sign up with this company. I looked at my bank statement and notice that they have taken $19.95 out of my account. The young lady stated that I have been a member since March 2008. She also had the wrong address for me. I have not been a member and request for all my money to be refunded to me. She stated that she will send me a letter in the mail to fill out, she will also send me a confirmation e-mail cancelling this account. She also stated that I must have answered and informatical commercial and this is how I became a member. Please cancel this membership and refund my money.
Comments
This can also happen if you let someone make a purchase using your information. The information is only pass on b/c the membership has been accepted.
The company does not need to call and notify the consumer b/c the memebership was aquired while handling other business. (Does Target [example] call you if you use your credit card? NO! Then why would you think this company would call every consumer that they have?)
The companies they get your account information from may be using deception either to get your "approval", or fail to provide meaningful disclosure of what the "membership club" will later claim you "agreed" to. Unreadable print on some TV ad, hiding "fine print" not easily visible on the page you are ordering from, or even on some other web page, or not showing it until you have already "agreed" to order and provided your account information, do NOT constitute meaningful disclosure of the terms of an offer to create a binding acceptance. They are deceptive, made with the intent to defraud. But by denying any knowledge of the source of what they still claim is an order, they "launder" the fraudulent and deceptive acts of their partners, claiming to have no responsibility for them, while still claiming to have authorization to take your money.
File a complaint with FTC and your state AG.
Well then a couple months later I see that THREE differant companies were taking money from my account.
I linked it back to this forclosure listing and they said that if I had said no they would not have given me the deal- But I insisted- So they told me they would have to listen to my recorded conversation to prove this.
I was surprised that they said yes, I infact had said NO I did not want that stuff & they credited me back money on my acount.
That was four months ago. I just found another charge on my account from wc value plus for 19.95
He didn't promise me any refund but he kindly said "The process will begin".
AAQAARRRRGGGHHHHHH
They are hiding the identity of their "distribution partner" who illegally sold your billing information to them, to prevent you from naming the perpetrator in your complaint to authorities and shutting down their lucrative little "arrangement".
Either the charge was authorized and legitimate, or it was not. If you didn't authorize the charges, or deception was used to obtain your "authorization", then they are fraudulent.
Contact your bank immediately to report the charges as fraudulent, and close your account due to fraud to prevent additional fraud in the future.
File fraud complaints with FTC and your state Attorney General.
It is also recommended to NEVER use, or even activate, debit cards, check cards, or direct debits of checking accounts, since those expose your checking account to substantial risk of fraud and disruption once the account number gets in the wrong hands.
Use ATM card and PINs ONLY at your bank's ATM. Use checks only to pay companies you already know and trust. Use credit cards for all other purchases, whether on-line or retail.
FTC established standards in 2003 for telemarketers to obtain "verifiable authorization" when they have "pre-acquired account information" or are using "free-to-pay" or negative option marketing. If these charges show up without your explicit authorization, then the telemarketer violated the FTC TSR rules in submitting the fraudulent charges.
Since your bank was a partner in exposing you to fraud, and they are only refunding limited charges, file a complaint with OCC (www.occ.gov), which is responsible for regulating nationally chartered banks. Also file a complaint with FTC and your state AG, against both the "affiliate program" and your bank.
Several banks, including Citibank, and Chase, are under settlement agreements to properly handle consumer disputes of such fraudulent affiliate charges. Your state Attorney General should be able to assist you in determining whether the "membership club" or bank is covered by such a settlement agreement, which has the legal effect of a court order.