Deceptive Advertising
Complaint
Jen
Country: United States
To begin with, they lure you in with a low $19.95 offer, then they send you their product relentlessly with a $99.95 bill. I paid off my account, tried to close it, and they sent me to collections!! WTF?! Too bad I have all of the bank statements to back it up, but now they are messing with my credit. These people are crooks. Oh, and why didn't I ever use anymore of their product? Because it DOES NOT WORK. All it does is over dry/burn your skin. Lying theives!
Comments
Dispute unauthorized charges through your bank, and block the card number or close the account due to fraud to prevent additional fraudulent charges. Follow up with a written dispute or fraud affidavit sent to your bank's dispute address.
Do NOT waste your time trying to get your money back from any scam through the scammer. Always immediately file a bank dispute, as that is usually the only way you will ever get your money back. If you leave your account or card number active, you can expect additional monthly charges, probably around $58 to $150, until you get wise and shut it down. The couple buck charge was just a teaser to get your account number, and a test that it was valid.
The game they will play is to try to delay your bank dispute past the 60 day FRB Reg. E or FCBA dispute period, after which your bank will be unlikely to be able to get your money back. To do this they will use various excuses, like "mailing an information packet" that never comes, "cancelling your membership" but they lose the "cancellation" so monthly charges continue, requiring you to get, and send in, a "refund request" that never has any effect, having to call a "refund number" that is ignored, or the cancellation "lost", etc...
If you get any contact from a collection agency, dispute it in writing, mailed certified, then file fraud complaints with FTC, your state AG, and at www.ic3.gov. In addition, file a mail fraud complaint with the U.S. Postal Inspector.
If you find erroneous negative reporting on your credit reports, send a written dispute to the credit reporting agency. If the data furnisher "verifies" it, when it is false, you can sue them for violating FCRA.
You can find consumer attorneys who handle FDCPA litigation against shady debt collectors at www.naca.net
Have they just threatened to "send you to collections", or have you actually been contacted by a collection agency?
If so, what is their name?