It did the same thing to my acount. How do you get that form to fill out, that go to the is suppose to refund you? The lady, "Hailey" told me to the web site www.77refund.com to fill out a form. Then it could take up to 72 hours?
0
tj
Immediately contact your bank to dispute fraudulent charges, and close the account due to fraud to prevent additional fraudulent charges.
Do NOT trust any cancellation or refund promises, as such scams will say anything to delay you past the 60 day FRB Reg. E or FCBA dispute periods during which your bank can just yank back their stolen money. Dispute with your bank, and follow up with a written dispute or fraud affidavit sent to your bank's dispute address from your statement.
Do NOT use checking accounts, debit cards, or check cards for any payments to anyone you do not know and trust. Limit their use to payments to trusted creditors such as rent, mortgage, utilities, etc. Use only credit cards for retail or online payments, as the fraud protections are stronger and it its less disruptive to block credit card numbers when fraud occurs.
0
tj
BBB report on "777 Web Discount Club LLC":
"... Business Name: 777 Web Discount Club LLC Business Address: 8390 E. Via De Ventura, # F110 Scottsdale, AZ 85258
BBB Accreditation: This business is not a BBB Accredited Business
Type of Business: DISCOUNT STORES & PLANS Website Address: http://www.777saveclub.com/www.77clubCS.com .. Related Businesses Liberty Discount Club UClipUSave.com ... BBB processed a total of 221 complaint(s) about this business in the last 36 months, our standard reporting period. Of the total 221 complaint(s) closed in the last 36 months, 138 were closed in the last 12 months. ... Additional Locations & Phone Numbers 10869 North Scottsdale Road # 103-176 (mail returned) Scottsdale , AZ 85254 ..."
Their site shows this address, which appears to be just a mail drop:
"... ZaZaPay, LLC ("ZZP") ... 10869 North Scottsdale Road Suite 103, #176 Scottsdale, AZ 85254 ..."
That address shows up in connection with a Florida Attorney General investigation into "potentially unfair and deceptive business practices related to online payday loan applications. During the loan application consumers are signed up for membership services without their knowledge."
(Note that all the addresses shown appear to be mail drops. It would appear that FL AG has been trying to find a physical address.)
"... The case file cited below relates to a civil -- not a criminal -- investigation. The existence of an investigation does not constitute proof of any violation of law.
Case Number: L09-3-1187
Subject of investigation: Sourdale, LLC, d/b/a Payday Loan Resource Center, d/b/a PLRC
Subject's address: 7600 E Doubletree Ranch Road, Suite #130, Scottsdale, AZ 85258 8390 E Via De Ventura Blvd, F110, 132, Scottsdale, AZ 85258 (mail drop) 10869 N. Scottsdale Road, Suite 103 PMB 176, Scottsdale, AZ 85254 (mail drop) 5025 N Central Ave. #630, Phoenix, AZ 85012 (mail drop) 8721 Santa Monica Blvd. Suite 419, Los Angeles, CA 90069 (mail drop)
Subject's business: Payday loans
Allegation or issue being investigated: Potentially unfair and deceptive business practices related to online payday loan applications. During the loan application consumers are signed up for membership services without their knowledge.
AG unit handling case: Economic Crimes Division in Tampa, Florida ..."
BBB report on "ZaZaPay LLC", rated "F". They have failed to respond to many complaints forwarded by BBB.
"Business Name: Za Za Pay LLC ZaZaPay LLC / ZaaZoom Solutions, LLC Business Address: 10869 N. Scottsdale Road Suite 103 PMB 176 Scottsdale, AZ 85254 Principal: Gary (Jay) Thomas - Vojtesak, CEO Phone Number: (800) 811-8575 Email Address: gary@itrafficnetwork.com BBB Accreditation: This business is not a BBB Accredited Business
BBB report on "Liberty Discount Club", rated "F": http://www.bbb.org/central-northern-western-a ... -az-1000008602/ "... Business Name: Liberty Discount Club libertysup.com Business Address: 8390 E Via de Ventura #F110-132 Scottsdale, AZ 85258 Original Business Start Date: 6/1/2008 Local Business Start Date: 6/1/2008 Type of Entity: Limited Liability Company (LLC) Phone Number: (877) 369-8524 (866) 268-2973 BBB Accreditation: This business is not a BBB Accredited Business
Type of Business: INTERNET MARKETING & ADVERTISING Website Address: http://www.webdiscountclub.com libertycard.com www.libertydiscountclub.com ... BBB processed a total of 515 complaint(s) about this business since 6/1/2008. Of the total 515 complaint(s) closed since 6/1/2008, 515 were closed in the last 12 months. ... Based on BBB files, this business has a BBB Rating of F on a scale from A+ to F. Reasons for this F rating include: ... Failure to respond to 458 complaints filed against business ..."
BBB report on "UClipUSave.com", "no rating": http://www.bbb.org/central-northern-western-a ... -az-1000008257/ "... Business Name: UClipUSave.com Online Resource Center LLC U CLIP U SAVE Business Address: 7600 E Double Tree Ranch Road, #130 Phoenix , AZ 85268 Original Business Start Date: 11/2/2009 Local Business Start Date: 11/2/2009 Type of Entity: Limited Liability Company (LLC) Incorporated: 2009 in DE Phone Number: (888) 348-7982 (866) 356-6906 BBB Accreditation: This business is not a BBB Accredited Business
Type of Business: INTERNET MARKETING & ADVERTISING Website Address: http://www.uClipuSave.comhttp://www.uclipusave.comhttp://www.grosavcs.com/ ZaZaPay.com ... Additional Locations & Phone Numbers 8390 E VIA VENTURA Scottsdale , AZ 85258 (866) 761-7651 5025 North Center Avenue, Suite 630 Phoenix , AZ 85012 10869 North Scottsdale Road Scottsdale , AZ 85258 ..."
Are these charges connected to a telemarketing call, a "discount offer" on calling some order number, an online purchase, or don't know?
What online merchants did you provide account information to before these charges showed up?
Were you presented with some pop-up "discount offer"?
Did charges occur despite rejecting (unchecking) some "discount offer"?
0
VIVI
They took money out of my account too without my knowledge. We need to post what a bunch of crooks they are all over the internet. I did send a letter to the BBB. Lot of good that will do. Why aren't they shut down with all of these complaints.
0
Vivi
no they just take money out when u order something else online. Predators.
0
vivi
I see the owner has an email addy above. Bug the hell out of him
0
Carol
THESE PEOPLE STOLE 49.99 OUT OF MY ACCOUNT. AND I HAVE THE IMAGE OF A FAKE CHECK WITH MY NAME ON IT, PAYABLE TO UNLIMITED LOCAL SAVINGS (USL CUST SERV) I HAD TO GO ONLINE TO GET THEIR PHONE NUMBER, THEN I WAS TOLD TO CALL 1-888-349-6822 (77REFUND.COM)THEN YOU ARE TOLD YOU HAVE TO GO TO THE 77 REFUND SITE TO FILL OUT THE FORM TO GET YOUR MONEY BACK, BUT IT WILL NOT LET YOU FINISH THE FORM. THEN THEY SENT ME A EMAIL REQUESTING MY CHECKING ACCT.# AND MY BIRTHDATE???? TO SEND ME MY REFUND, THEN YOU ARE BACK WHERE YOU STARTED BEFORE, IT WILL NOT LET YOU FINISH THE FORM.
0
tj
Some reports allege they get consumer account information from some "payday loan" sites. This matches related complaints going back about 2 years, as well as complaint allegations on the Florida Attorney General's site.
Their current names appear to be touting "discount memberships", rather than the "privacy" or "id theft protection" theme of a couple years back.
What are the URLs of the websites passing them account information, and what sort of products are they selling?
0
tj
You don't depend on scammers to refund money you already know they took without your authorization.
As you are finding, they just place one hurdle after another in front of you, to delay you. The goal with these scams is to delay you past the 60 day period in which you can dispute through your bank during which your bank can just yank the money back, under FRB Reg. E or FCBA.
Dispute fraudulent charges through your bank, close the account due to fraud to prevent additional fraud, and follow up with a WRITTEN DISPUTE or fraud affidavit sent to your bank's dispute address.
Subject of investigation: Vexeldale, LLC dba ID Theft Protection Services
Subject's address: 7600 E Doubletree Ranch Road, Suite #130, Scottsdale, AZ 85258; 8390 E Via De Ventura Blvd, F110, 132, Scottsdale, AZ 85258 (mail drop); 10869 N. Scottsdale Road, Suite 103 PMB 176, Scottsdale, AZ 85254 (mail drop); 5025 N Central Ave. #630, Phoenix, AZ 85012 (mail drop); 8721 Santa Monica Blvd. Suite 419, Los Angeles, CA 90069 (mail drop);
Subject's business: ID Theft Protection, Online Pay Day loans
Allegation or issue being investigated: Unfair and Deceptive Trade Practices associated with online services and commerce.
AG unit handling case: Economic Crimes Division in Tampa, Florida ..."
Subject of investigation: Sourdale, LLC, d/b/a Payday Loan Resource Center, d/b/a PLRC
Subject's address: 7600 E Doubletree Ranch Road, Suite #130, Scottsdale, AZ 85258 8390 E Via De Ventura Blvd, F110, 132, Scottsdale, AZ 85258 (mail drop) 10869 N. Scottsdale Road, Suite 103 PMB 176, Scottsdale, AZ 85254 (mail drop) 5025 N Central Ave. #630, Phoenix, AZ 85012 (mail drop) 8721 Santa Monica Blvd. Suite 419, Los Angeles, CA 90069 (mail drop)
Subject's business: Payday loans
Allegation or issue being investigated: Potentially unfair and deceptive business practices related to online payday loan applications. During the loan application consumers are signed up for membership services without their knowledge.
AG unit handling case: Economic Crimes Division in Tampa, Florida ..."
0
tj
Complaints against "Tavos-IDProtect.LLC"
Report of deceptively constructed website in connection with a "payday loan" application, where consumer account was charged even though the "id theft" offer was checked "NO".
"I applied on line for a fast cash advance. On that form, there is this box about "Monthly Theft Protection" that claims you will be protected up to $20, 000 against ID Theft. Beneath that box is a statement that reads, No Thanks, I do not want this offer and you either check it for NO- I do not want this offer or leave it blank if you do want the protection. I clearly marked NO, and made a copy of it for proof. Today, just a few days after, they have charged my bank account $33.98. I found a number and try to call. A Jennifer answered, and was very quick to say, No this is not us. We don't charge for anything like the amount of $33.98. I am going to call the Attorney General for my state. I believe that if a box is clearly marked NO, that means No. Then to withdraw the money any way is equal to Fraud."
Another similar complaint. Consumer checked "NO", no "payday loan", but was charged anyway. Note deceptive tactics used to evade demand for refund.
"AFTER APPLYING FOR A PAYDAY LOAN ONLINE, I WAS RE-DIRECTED TO ANOTHER PAGE THAT GAVE ME AN OPTION TO ENROLL IN ID.THEFT.PROTECTION PROGRAM.IN THAT BOX, THERE IS A "NO" OPTION (VERY TINY) THAT I CHECKED. I NEVER AUTHORIZED THE ENROLLMENT IN THIS PROGRAM . MATTER OF FACT I CHECKED "NO".AS I FINISHED THE APPLICATION, I KEPT GETTING REDIRECTED BACK TO THIS SAME PAGE, WHERE I ONCE AGAIN CHECKED"NO" OPTION. I NEVER EVEN GOT A PAYDAY LOAN.THE WHOLE TIME I WAS THINKING HOW STUPID I AM TO BE INPUTING ALL MY PERSONAL INFO INCLUDING SS# ON LINE.TODAY 4/15/09 AS USUAL, I CHECKED MY ACCOUNT ONLINE WITH MY BANK AND WHOLA! THERE WAS A SINGLE CHECK #25214 IN THE AMOUNT OF $31.85 "NOT" AUTHORIZED PAID TO "TAVOS-IDPROTECT.LLC. I PRINTED OUT THIS CHECK AND IMMEDIATELY CALLED THIS COMPANY WHERE A WOMAN ANSWERED WITH A "HEAVY" ACCENT. I TOLD HER OF MY SITUATION AND SHE TRIED TO TELL ME THAT ONCE I APPLIED ONLINE FOR THIS PAYDAY LOAN THAT I WAS AUTOMATICALLY ENROLLED IN THEIR PROGRAM AND THE AMOUNT WAS AUTHORIZED THEN. I WAS SO UPSET AND ADVISED HER THAT THERE WAS A NO OPTION AND I MARKED IT. SHE GAVE ME A BOGUS CANCELLATION NUMBER#3258408 AND TOLD ME TO GO TO WWW.IDTHEFTREFUNDSTATUS.COM TO CHECK THE STATUS OF MY CLAIM. "WRONGO" I TRIED THAT, BOGUS WEBSITE."
Another similar complaint. Consumer checked "NO", but was charged anyway.
"I filled out an app. for a loan. I checked the theft protechen box no, and when I received my bank statment their was $31.85 with drawen from my account from Tavos-IDPritect.LLc. That I did not authorise. Whitch left my account over drawn. I was told to go to this wed site www.idtheftrefundstatus.com to file for a refund. "
Another example of the phony "refund" site brush-off.
"the same thing happend to my and my husband i have been looking for the site so we can get our money back but they gave me something that does not work"
Other reports of unauthorized charges, with consumer account information obtained through a "payday loan" site, no payday loan.
"On 05/15/09, I was trying to get a small loan (advance) on the internet. I did not indicate to have $33.98 taken out of my checking account. Why, would I do this, since I was requesting for a loan? The check show to Pay To: Tavos-IDProtect.LLC, Pay Exactly $33.98. Memo: CS 1-866-575-0356 procustserv.com SSNXXX-XX-6662 721626171764-AEC0509, 3968843-68843. All typed on this draft check No. 68843, Check Date: 2009-05-15. I did not authorized this transaction. And never got a loan. Requesting for REFUND OF $33.98 ASAP."
"Applied for a Pay-Day Advance loan and never got the loan nor did I approve anykind of withdrawls from my bank account, This was a straight rip-off and I want my money refunded of $33.98 ASAP. This so called ID Protection is not anything I asked for, nor approved, nor AUTHORIZED, NO AUTHORIZATION GIVEN. Check date 2009-06-09, Check No. 27671, Payed to Tavos-IDPretect.LLC, CS 1-866-575-0356. I want a full refund of my monies."
0
Julianne
Tracy... Same thing happened to me, today. Found an unauthorized charge when checking my account online under the name of Unlimited Local Savings. Called CS representative, told her to cancel immediately and refund stat. She directed me to this website www.ulsrefund.com I did that, got an autoresponse that said it could take 72 hours to give me an answer about a refund. Not trusting this already untrustworthy company, I stopped payment on this "pretend" check that they made up with a "pretend number". Try the website above. Did they give you a member number to input?
0
Julianne
I just want to add that "Unlimited Local Savings" is also doing business as "777 Discount Club". The autoresponse e-mail I got about refund processing came from "777 Discount Club".
0
Brenda
On Wednesday, December 29, 2010, I applied for a PDL online. At the end of countless text messages and phone calls, I did not take out a PDL.
December 31, 2010, I was checking my online checking account and found a unauthorized charge to my account and when I check my bank statement it show a fake check number and my bank said the company name is Unlimited Savings and gave me a phone number.
I immediately called their Customer service number and asked what was up with this unauthorized debit to my account, the representative asked if I had applied for a PDL online recently, and I said yes, but I didn't take the loan and I sure didn't agree to this charge. I then told her to cancel any membership as it was a fraud and to issue a refund immediately. She gave me a the URL website where I could go an apply for a refund.
Went to the refund website (www.ulsrefund.com), entered required information, then got an immediate auto-response that said to allow 72 hours for an update on the status of my refund.
72 hours had pasted. Still no refund. Called ULS Customer Service again, they told me to go to www.ULSrefundstatus.com to complete some more information and verification of me checking account, so I completed the info and submitted.
I received an email back reading this:
Dear xxxxxxxxxx, Our fraud department has reviewed your online application. We have found the following to be true:
The original application where the terms and conditions were agreed to was filled out by xxxxxxxxxxxxx The same name was submitted in the refund request form. Your Social security number matches the one entered on file with the above referenced application Your banking details with the following bank routing number xxxxxxxxxxx match those on file. Your IP Address xxxxxxxxxxx or "Computer Address" is located in the city in which you reside. The email address used xxxxxxxxx matches the email on file where the signup confirmation email was sent seconds after the initial online application was submitted. The only person with access to that email is yourself as indicated in your refund request form.
Our fraud resolution department has determined this transaction was "not fraudulent" and must have been the result of user error. We regret to inform you we are unable to refund your account due to information indicating "you were not a victim of fraud or identify theft" Had this information indicated the transaction was "not done by you", and "was a fraud committed using your information", we would have quickly and gladly processed your refund which is outlined in our terms and conditions. We have cancelled your subscription and you will no longer be billed. If you would like to review the terms and conditions including our refund policy that you agreed to upon submitting the original application, on January 3, 2011 please visit: http://www.777discountclub.com/view/d/pop_terms.html Again, you subscription has been cancelled and your account will no longer be billed. Your cancellation confirmation number is: xxxxxxxxxxxx You may want to retain it for your records. If you have any further questions you may contact a live fraud resolution specialist by calling the number below. Thank You, Customer Support www.777ClubCS.com 1-888-349-6822
I called the number back at 777ClubCS left a message and haven’t heard from them since.
0
Linda
I too have had the same thing happen to me. They took 49.99 out of my checking account. Then gave me a bunch of bogus sites to go to. They refuse to give me any information about my refund. I will be dealing with my bank to resolve this issue and hope it works to get my money back.
0
tj
Lawsuit filed by the West Virginia Attorney General against Payday Loan Resource Center LLC and Moe Tassoudi of Scottsdale, AZ.
Attorney General McGraw Sues Eight More PayDay Lenders, Demands Companies Stop Doing Business In WV
CHARLESTON – In his continuing initiative to protect West Virginia consumers from unlawful Internet payday loans, West Virginia Attorney General Darrell McGraw today brought suit against eight more companies for illegally soliciting and servicing payday loans in West Virginia.
The suit asks the Court to order the eight companies, which have refused to cooperate with the Attorney General’s investigation, to surrender the records of their West Virginia-based accounts and to halt lending activities in the state.
Illegal in West Virginia, payday loans are high-interest loans or cash advances with interest rates that reach as high as 600 to 800% APR. The loans, typically made for 14 days, are secured by a post-dated check or an agreement authorizing electronic debits from the consumer’s checking account.
"When a company sets foot in West Virginia, whether in person or over the Internet, my office has a duty to ensure the enterprise complies with state law," Attorney General McGraw stated. "Any company that makes payday loans must halt its usurious business and produce records identifying its victims."
The companies and principals sued today by Attorney General McGraw's office are: Payday Loan Resource Center LLC and Moe Tassoudi of Scottsdale, AZ; DirectROI d/b/a Cash West Payday Loans and Mike Brewster of Chandler, AZ; First American Credit; LoanPointe LLC, Joe E. Strom, Benjamin J. Lonsdale, James C. Endicott and Mark S. Lofgren of Highland, UT; Eastbrook LLC d/b/a Ecash and GeteCash of Provo, UT; National Title Loans d/b/a National Cash 12 of Elsmere, DE; Payday Financial LLC d/b/a www.LakotaCash.com and Martin Webb of Timber Lake, SD; and Payday Loans-ACH d/b/a www.ACHLoans.com of Emeryville, CA.
Named in today’s suit, Payday Loan Resource Center attempts to circumvent state law by charging West Virginia customers a monthly fee to help them obtain Internet payday loans. ..."
0
JD
These [***] got over on me to. They will not refund you, your money at all. They will say that as long as you can not prove that somebody else made this purchase for you. You are just S.O.L.
0
TLP
Well it just happen to me I didnt authorize anything and here we go with the 72 hour refund form i filled out just like you all said, I called my bank made this fraud, to make sure this never happens again
Comments
the web site www.77refund.com to fill out a form. Then it could take up to 72 hours?
Do NOT trust any cancellation or refund promises, as such scams will say anything to delay you past the 60 day FRB Reg. E or FCBA dispute periods during which your bank can just yank back their stolen money. Dispute with your bank, and follow up with a written dispute or fraud affidavit sent to your bank's dispute address from your statement.
Do NOT use checking accounts, debit cards, or check cards for any payments to anyone you do not know and trust. Limit their use to payments to trusted creditors such as rent, mortgage, utilities, etc. Use only credit cards for retail or online payments, as the fraud protections are stronger and it its less disruptive to block credit card numbers when fraud occurs.
"...
Business Name: 777 Web Discount Club LLC
Business Address: 8390 E. Via De Ventura, # F110
Scottsdale, AZ 85258
BBB Accreditation: This business is not a BBB Accredited Business
Type of Business: DISCOUNT STORES & PLANS
Website Address: http://www.777saveclub.com/ www.77clubCS.com
..
Related Businesses
Liberty Discount Club
UClipUSave.com
...
BBB processed a total of 221 complaint(s) about this business in the last 36 months, our standard reporting period. Of the total 221 complaint(s) closed in the last 36 months, 138 were closed in the last 12 months.
...
Additional Locations & Phone Numbers
10869 North Scottsdale Road # 103-176 (mail returned) Scottsdale , AZ 85254
..."
Their site shows this address, which appears to be just a mail drop:
http://www.777discountclub.com/view/d/pop_terms
"...
ZaZaPay, LLC ("ZZP")
...
10869 North Scottsdale Road
Suite 103, #176
Scottsdale, AZ 85254
..."
That address shows up in connection with a Florida Attorney General investigation into "potentially unfair and deceptive business practices related to online payday loan applications. During the loan application consumers are signed up for membership services without their knowledge."
(Note that all the addresses shown appear to be mail drops. It would appear that FL AG has been trying to find a physical address.)
http://www.myfloridalegal.com/lit_ec.nsf/inve ... 5257657005A79E2
"...
The case file cited below relates to a civil -- not a criminal -- investigation. The existence of an investigation does not constitute proof of any violation of law.
Case Number: L09-3-1187
Subject of investigation:
Sourdale, LLC, d/b/a Payday Loan Resource Center, d/b/a PLRC
Subject's address:
7600 E Doubletree Ranch Road, Suite #130, Scottsdale, AZ 85258 8390 E Via De Ventura Blvd, F110, 132, Scottsdale, AZ 85258 (mail drop) 10869 N. Scottsdale Road, Suite 103 PMB 176, Scottsdale, AZ 85254 (mail drop) 5025 N Central Ave. #630, Phoenix, AZ 85012 (mail drop) 8721 Santa Monica Blvd. Suite 419, Los Angeles, CA 90069 (mail drop)
Subject's business:
Payday loans
Allegation or issue being investigated:
Potentially unfair and deceptive business practices related to online payday loan applications. During the loan application consumers are signed up for membership services without their knowledge.
AG unit handling case:
Economic Crimes Division in Tampa, Florida
..."
BBB report on "ZaZaPay LLC", rated "F". They have failed to respond to many complaints forwarded by BBB.
http://www.bbb.org/central-northern-western-a ... le-az-97013208/
"Business Name: Za Za Pay LLC
ZaZaPay LLC / ZaaZoom Solutions, LLC
Business Address: 10869 N. Scottsdale Road
Suite 103 PMB 176
Scottsdale, AZ 85254
Principal: Gary (Jay) Thomas - Vojtesak, CEO
Phone Number: (800) 811-8575
Email Address: gary@itrafficnetwork.com
BBB Accreditation: This business is not a BBB Accredited Business
Type of Business: CREDIT & DEBT COUNSELING
Website Address:
http://www.helpingbuildcredit.com http://www.getyourcreditmonitoringonline.com http://www.freecreditreport.com http://www.nocreditcardnecessarycreditreport.com http://www.allcreditaccess.com http://www.itrafficnetwork.com http://www.Icardservices.com
...
BBB processed a total of 40 complaint(s) about this business in the last 36 months, our standard reporting period. Of the total 40 complaint(s) closed in the last 36 months, 18 were closed in the last 12 months.
..."
BBB report on "Liberty Discount Club", rated "F":
http://www.bbb.org/central-northern-western-a ... -az-1000008602/
"...
Business Name: Liberty Discount Club
libertysup.com
Business Address: 8390 E Via de Ventura
#F110-132
Scottsdale, AZ 85258
Original Business Start Date: 6/1/2008
Local Business Start Date: 6/1/2008
Type of Entity: Limited Liability Company (LLC)
Phone Number: (877) 369-8524
(866) 268-2973
BBB Accreditation: This business is not a BBB Accredited Business
Type of Business: INTERNET MARKETING & ADVERTISING
Website Address:
http://www.webdiscountclub.com libertycard.com www.libertydiscountclub.com
...
BBB processed a total of 515 complaint(s) about this business since 6/1/2008. Of the total 515 complaint(s) closed since 6/1/2008, 515 were closed in the last 12 months.
...
Based on BBB files, this business has a BBB Rating of F on a scale from A+ to F. Reasons for this F rating include:
...
Failure to respond to 458 complaints filed against business
..."
BBB report on "UClipUSave.com", "no rating":
http://www.bbb.org/central-northern-western-a ... -az-1000008257/
"...
Business Name: UClipUSave.com
Online Resource Center LLC
U CLIP U SAVE
Business Address: 7600 E Double Tree Ranch Road, #130
Phoenix , AZ 85268
Original Business Start Date: 11/2/2009
Local Business Start Date: 11/2/2009
Type of Entity: Limited Liability Company (LLC)
Incorporated: 2009 in DE
Phone Number: (888) 348-7982
(866) 356-6906
BBB Accreditation: This business is not a BBB Accredited Business
Type of Business: INTERNET MARKETING & ADVERTISING
Website Address:
http://www.uClipuSave.com http://www.uclipusave.com http://www.grosavcs.com/ ZaZaPay.com
...
Additional Locations & Phone Numbers
8390 E VIA VENTURA Scottsdale , AZ 85258
(866) 761-7651
5025 North Center Avenue, Suite 630 Phoenix , AZ 85012
10869 North Scottsdale Road Scottsdale , AZ 85258
..."
Search on "Gary (Jay) Thomas - Vojtesak":
http://www.sec.gov/litigation/litreleases/2007/lr19957.htm
http://answers.yahoo.com/question/index?qid=20071203155452AAJdrDZ
http://www.complaintsboard.com/complaints/777-discount-club-c213522/page/1.html#c451310
https://complaintwire.org/Complaint.aspx/PAz-QMfGkAAJnAjKMLFFJg
What online merchants did you provide account information to before these charges showed up?
Were you presented with some pop-up "discount offer"?
Did charges occur despite rejecting (unchecking) some "discount offer"?
I HAD TO GO ONLINE TO GET THEIR PHONE NUMBER, THEN I WAS TOLD TO CALL 1-888-349-6822 (77REFUND.COM)THEN YOU ARE TOLD YOU HAVE TO GO TO THE 77 REFUND SITE TO FILL OUT THE FORM TO GET YOUR MONEY BACK, BUT IT WILL NOT LET YOU FINISH THE FORM. THEN THEY SENT ME A EMAIL REQUESTING MY CHECKING ACCT.# AND MY BIRTHDATE???? TO SEND ME MY REFUND, THEN YOU ARE BACK WHERE YOU STARTED BEFORE, IT WILL NOT LET YOU FINISH THE FORM.
Their current names appear to be touting "discount memberships", rather than the "privacy" or "id theft protection" theme of a couple years back.
What are the URLs of the websites passing them account information, and what sort of products are they selling?
As you are finding, they just place one hurdle after another in front of you, to delay you. The goal with these scams is to delay you past the 60 day period in which you can dispute through your bank during which your bank can just yank the money back, under FRB Reg. E or FCBA.
Dispute fraudulent charges through your bank, close the account due to fraud to prevent additional fraud, and follow up with a WRITTEN DISPUTE or fraud affidavit sent to your bank's dispute address.
HEALTHCARE PLUS LLC
http://starpas.cc.state.az.us/scripts/cgiip.e ... rp-id=L11929990
VANGUARD MEDIA GROUP LLC
http://starpas.cc.state.az.us/scripts/cgiip.e ... rp-id=L12003979
ECB2, LLC
http://starpas.cc.state.az.us/scripts/cgiip.e ... rp-id=L12215015
I2 MARKET SOLUTIONS, LLC
http://starpas.cc.state.az.us/scripts/cgiip.e ... rp-id=L12245989
4040 HOLDINGS, LLC
http://starpas.cc.state.az.us/scripts/cgiip.e ... rp-id=L12248273
Dream International Investments
---------------------------------
"MOE TASSOUDJI":
VEXELDALE, LLC
http://starpas.cc.state.az.us/scripts/cgiip.exe/WService=wsbroker1/officer-
detail.p?corp-id=R14413122
PLRC, LLC
http://starpas.cc.state.az.us/scripts/cgiip.e ... rp-id=R14863606
TAVOS, LLC
http://starpas.cc.state.az.us/scripts/cgiip.e ... rp-id=R14863592
SPIN ALLIANCE, LLC
http://starpas.cc.state.az.us/scripts/cgiip.e ... rp-id=L09995652
TASSOUDJI ONE, L.L.C.
http://starpas.cc.state.az.us/scripts/cgiip.e ... rp-id=L10448410
TGL AIRPARK, LLC
http://starpas.cc.state.az.us/scripts/cgiip.e ... rp-id=L10483090
TEK-LINK CORPORATION
http://starpas.cc.state.az.us/scripts/cgiip.e ... orp-id=07664814
SOURDALE LLC
http://starpas.cc.state.az.us/scripts/cgiip.e ... rp-id=R14413133
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http://www.myfloridalegal.com/lit_ec.nsf/inve ... 525746500625B56
"...
The case file cited below relates to a civil -- not a criminal -- investigation. The existence of an investigation does not constitute proof of any violation of law.
Case Number: L08-3-1135
Subject of investigation:
Vexeldale, LLC dba ID Theft Protection Services
Subject's address:
7600 E Doubletree Ranch Road, Suite #130, Scottsdale, AZ 85258; 8390 E Via De Ventura Blvd, F110, 132, Scottsdale, AZ 85258 (mail drop); 10869 N. Scottsdale Road, Suite 103 PMB 176, Scottsdale, AZ 85254 (mail drop); 5025 N Central Ave. #630, Phoenix, AZ 85012 (mail drop); 8721 Santa Monica Blvd. Suite 419, Los Angeles, CA 90069 (mail drop);
Subject's business:
ID Theft Protection, Online Pay Day loans
Allegation or issue being investigated:
Unfair and Deceptive Trade Practices associated with online services and commerce.
AG unit handling case:
Economic Crimes Division in Tampa, Florida
..."
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http://www.myfloridalegal.com/lit_ec.nsf/inve ... 5257657005A79E2
"...
The case file cited below relates to a civil -- not a criminal -- investigation. The existence of an investigation does not constitute proof of any violation of law.
Case Number: L09-3-1187
Subject of investigation:
Sourdale, LLC, d/b/a Payday Loan Resource Center, d/b/a PLRC
Subject's address:
7600 E Doubletree Ranch Road, Suite #130, Scottsdale, AZ 85258 8390 E Via De Ventura Blvd, F110, 132, Scottsdale, AZ 85258 (mail drop) 10869 N. Scottsdale Road, Suite 103 PMB 176, Scottsdale, AZ 85254 (mail drop) 5025 N Central Ave. #630, Phoenix, AZ 85012 (mail drop) 8721 Santa Monica Blvd. Suite 419, Los Angeles, CA 90069 (mail drop)
Subject's business:
Payday loans
Allegation or issue being investigated:
Potentially unfair and deceptive business practices related to online payday loan applications. During the loan application consumers are signed up for membership services without their knowledge.
AG unit handling case:
Economic Crimes Division in Tampa, Florida
..."
Report of deceptively constructed website in connection with a "payday loan" application, where consumer account was charged even though the "id theft" offer was checked "NO".
http://www.complaintsboard.com/complaints/tavos-idprotectllc-c185312.html
"I applied on line for a fast cash advance. On that form, there is this box about "Monthly Theft Protection" that claims you will be protected up to $20, 000 against ID Theft. Beneath that box is a statement that reads, No Thanks, I do not want this offer and you either check it for NO- I do not want this offer or leave it blank if you do want the protection. I clearly marked NO, and made a copy of it for proof. Today, just a few days after, they have charged my bank account $33.98. I found a number and try to call. A Jennifer answered, and was very quick to say, No this is not us. We don't charge for anything like the amount of $33.98. I am going to call the Attorney General for my state. I believe that if a box is clearly marked NO, that means No. Then to withdraw the money any way is equal to Fraud."
Another similar complaint. Consumer checked "NO", no "payday loan", but was charged anyway. Note deceptive tactics used to evade demand for refund.
http://www.complaintsboard.com/complaints/unauthorized-debit-from-my-account-c190560.html
"AFTER APPLYING FOR A PAYDAY LOAN ONLINE, I WAS RE-DIRECTED TO ANOTHER PAGE THAT GAVE ME AN OPTION TO ENROLL IN ID.THEFT.PROTECTION PROGRAM.IN THAT BOX, THERE IS A "NO" OPTION (VERY TINY) THAT I CHECKED. I NEVER AUTHORIZED THE ENROLLMENT IN THIS PROGRAM . MATTER OF FACT I CHECKED "NO".AS I FINISHED THE APPLICATION, I KEPT GETTING REDIRECTED BACK TO THIS SAME PAGE, WHERE I ONCE AGAIN CHECKED"NO" OPTION. I NEVER EVEN GOT A PAYDAY LOAN.THE WHOLE TIME I WAS THINKING HOW STUPID I AM TO BE INPUTING ALL MY PERSONAL INFO INCLUDING SS# ON LINE.TODAY 4/15/09 AS USUAL, I CHECKED MY ACCOUNT ONLINE WITH MY BANK AND WHOLA! THERE WAS A SINGLE CHECK #25214 IN THE AMOUNT OF $31.85 "NOT" AUTHORIZED PAID TO "TAVOS-IDPROTECT.LLC. I PRINTED OUT THIS CHECK AND IMMEDIATELY CALLED THIS COMPANY WHERE A WOMAN ANSWERED WITH A "HEAVY" ACCENT. I TOLD HER OF MY SITUATION AND SHE TRIED TO TELL ME THAT ONCE I APPLIED ONLINE FOR THIS PAYDAY LOAN THAT I WAS AUTOMATICALLY ENROLLED IN THEIR PROGRAM AND THE AMOUNT WAS AUTHORIZED THEN. I WAS SO UPSET AND ADVISED HER THAT THERE WAS A NO OPTION AND I MARKED IT. SHE GAVE ME A BOGUS CANCELLATION NUMBER#3258408 AND TOLD ME TO GO TO WWW.IDTHEFTREFUNDSTATUS.COM TO CHECK THE STATUS OF MY CLAIM. "WRONGO" I TRIED THAT, BOGUS WEBSITE."
Another similar complaint. Consumer checked "NO", but was charged anyway.
http://www.complaintsboard.com/complaints/unauthorised-fund-with-drawel-from-bank-account-c189965.html
"I filled out an app. for a loan. I checked the theft protechen box no, and when I received my bank statment their was $31.85 with drawen from my account from Tavos-IDPritect.LLc. That I did not authorise. Whitch left my account over drawn. I was told to go to this wed site www.idtheftrefundstatus.com to file for a refund. "
Another example of the phony "refund" site brush-off.
http://www.complaintsboard.com/complaints/took-money-out-of-my-account-c185321.html
"the same thing happend to my and my husband i have been looking for the site so we can get our money back but they gave me something that does not work"
Other reports of unauthorized charges, with consumer account information obtained through a "payday loan" site, no payday loan.
http://www.complaintsboard.com/complaints/unauthorized-check-withdrawal-c204324.html
"On 05/15/09, I was trying to get a small loan (advance) on the internet. I did not indicate to have $33.98 taken out of my checking account. Why, would I do this, since I was requesting for a loan? The check show to Pay To: Tavos-IDProtect.LLC, Pay Exactly $33.98. Memo: CS 1-866-575-0356 procustserv.com SSNXXX-XX-6662 721626171764-AEC0509, 3968843-68843. All typed on this draft check No. 68843, Check Date: 2009-05-15. I did not authorized this transaction. And never got a loan. Requesting for REFUND OF $33.98 ASAP."
http://www.complaintsboard.com/complaints/rip-off039s-c213355.html
"Applied for a Pay-Day Advance loan and never got the loan nor did I approve anykind of withdrawls from my bank account, This was a straight rip-off and I want my money refunded of $33.98 ASAP. This so called ID Protection is not anything I asked for, nor approved, nor AUTHORIZED, NO AUTHORIZATION GIVEN. Check date 2009-06-09, Check No. 27671, Payed to Tavos-IDPretect.LLC, CS 1-866-575-0356. I want a full refund of my monies."
Same thing happened to me, today. Found an unauthorized charge when checking my account online under the name of Unlimited Local Savings. Called CS representative, told her to cancel immediately and refund stat. She directed me to this website www.ulsrefund.com
I did that, got an autoresponse that said it could take 72 hours to give me an answer about a refund. Not trusting this already untrustworthy company, I stopped payment on this "pretend" check that they made up with a "pretend number". Try the website above. Did they give you a member number to input?
December 31, 2010, I was checking my online checking account and found a unauthorized charge to my account and when I check my bank statement it show a fake check number and my bank said the company name is Unlimited Savings and gave me a phone number.
I immediately called their Customer service number and asked what was up with this unauthorized debit to my account, the representative asked if I had applied for a PDL online recently, and I said yes, but I didn't take the loan and I sure didn't agree to this charge. I then told her to cancel any membership as it was a fraud and to issue a refund immediately. She gave me a the URL website where I could go an apply for a refund.
Went to the refund website (www.ulsrefund.com), entered required information, then got an immediate auto-response that said to allow 72 hours for an update on the status of my refund.
72 hours had pasted. Still no refund. Called ULS Customer Service again, they told me to go to www.ULSrefundstatus.com to complete some more information and verification of me checking account, so I completed the info and submitted.
I received an email back reading this:
Dear xxxxxxxxxx,
Our fraud department has reviewed your online application. We have found the following to be true:
The original application where the terms and conditions were agreed to was filled out by xxxxxxxxxxxxx
The same name was submitted in the refund request form.
Your Social security number matches the one entered on file with the above referenced application
Your banking details with the following bank routing number xxxxxxxxxxx match those on file.
Your IP Address xxxxxxxxxxx or "Computer Address" is located in the city in which you reside.
The email address used xxxxxxxxx matches the email on file where the signup confirmation email was sent seconds after the initial online application was submitted.
The only person with access to that email is yourself as indicated in your refund request form.
Our fraud resolution department has determined this transaction was "not fraudulent" and must have been the result of user error. We regret to inform you we are unable to refund your account due to information indicating "you were not a victim of fraud or identify theft"
Had this information indicated the transaction was "not done by you", and "was a fraud committed using your information", we would have quickly and gladly processed your refund which is outlined in our terms and conditions.
We have cancelled your subscription and you will no longer be billed.
If you would like to review the terms and conditions including our refund policy that you agreed to upon submitting the original application, on January 3, 2011 please visit: http://www.777discountclub.com/view/d/pop_terms.html
Again, you subscription has been cancelled and your account will no longer be billed. Your cancellation confirmation number is: xxxxxxxxxxxx You may want to retain it for your records.
If you have any further questions you may contact a live fraud resolution specialist by calling the number below.
Thank You,
Customer Support
www.777ClubCS.com
1-888-349-6822
I called the number back at 777ClubCS left a message and haven’t heard from them since.
http://www.wvago.gov/press.cfm?ID=533&fx=more
"FOR IMMEDIATE RELEASE
Contact: Norman Googel
Phone: (800) 368-8808
Release Date: August 18, 2010
Attorney General McGraw Sues Eight More PayDay Lenders, Demands Companies Stop Doing Business In WV
CHARLESTON – In his continuing initiative to protect West Virginia consumers from unlawful Internet payday loans, West Virginia Attorney General Darrell McGraw today brought suit against eight more companies for illegally soliciting and servicing payday loans in West Virginia.
The suit asks the Court to order the eight companies, which have refused to cooperate with the Attorney General’s investigation, to surrender the records of their West Virginia-based accounts and to halt lending activities in the state.
Illegal in West Virginia, payday loans are high-interest loans or cash advances with interest rates that reach as high as 600 to 800% APR. The loans, typically made for 14 days, are secured by a post-dated check or an agreement authorizing electronic debits from the consumer’s checking account.
"When a company sets foot in West Virginia, whether in person or over the Internet, my office has a duty to ensure the enterprise complies with state law," Attorney General McGraw stated. "Any company that makes payday loans must halt its usurious business and produce records identifying its victims."
The companies and principals sued today by Attorney General McGraw's office are: Payday Loan Resource Center LLC and Moe Tassoudi of Scottsdale, AZ; DirectROI d/b/a Cash West Payday Loans and Mike Brewster of Chandler, AZ; First American Credit; LoanPointe LLC, Joe E. Strom, Benjamin J. Lonsdale, James C. Endicott and Mark S. Lofgren of Highland, UT; Eastbrook LLC d/b/a Ecash and GeteCash of Provo, UT; National Title Loans d/b/a National Cash 12 of Elsmere, DE; Payday Financial LLC d/b/a www.LakotaCash.com and Martin Webb of Timber Lake, SD; and Payday Loans-ACH d/b/a www.ACHLoans.com of Emeryville, CA.
Named in today’s suit, Payday Loan Resource Center attempts to circumvent state law by charging West Virginia customers a monthly fee to help them obtain Internet payday loans. ..."