I have been charged with $24.95 every month since August 2010 on my Bank of America credit card, and I have no idea how they got my credit card #, because I NEVER dealt with them.
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Elena
How can this company get my credit card #?!
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tj
They are running a "discount membership" cramming scam. They get consumer account numbers from some other online retailer you may have used, supposedly "authorized" by terms buried in fine print, or through some deceptive pop-up "discount" offer that may look like it was being offered by the retailer you were actually ordering from.
They basically depend on suckers not noticing their charges, and not realizing they have to cancel what they never knew they were signed up for. Few consumers obtain any benefit from the "discounts", both because most have no idea they are even paying for this, and because the terms limit any real benefit.
BofA cards are generally VISA.
Since spring of 2010, VISA International has required that "affiliate" pop-up ads MUST require that consumers separately enter their credit card number a second time, as specific authorization for such offers. If you got some "discount offer", but didn't enter in your card a second time, then that merchant violated the VISA merchant agreement.
Immediately contact BofA to dispute your charges as FRAUDULENT, and have them block the card number. They will probably only offer a return of maybe the last 2 charges, as FCBA allows for disputes within 60 days of the statement date of the statement showing the disputed charges. Insist on following up with a fraud affidavit to BofA.
In addition, contact this scam outfit and demand all your money back. Demand to know who sold them your card number. (They will refuse or claim "they don't know", which is ridiculous, but get them to say so to include in your fraud complaints.) If they refuse to return your money, file fraud complaints with FTC, your state Attorney General, the Minnesota AG, and at www.ic3.gov
In addition, contact the offices of Sen. Jay Rockefeller, whose Senate Commerce Committee held hearings on this type of scam about 2 years ago. Let him know that this scam is continuing.
Comments
They basically depend on suckers not noticing their charges, and not realizing they have to cancel what they never knew they were signed up for. Few consumers obtain any benefit from the "discounts", both because most have no idea they are even paying for this, and because the terms limit any real benefit.
BofA cards are generally VISA.
Since spring of 2010, VISA International has required that "affiliate" pop-up ads MUST require that consumers separately enter their credit card number a second time, as specific authorization for such offers. If you got some "discount offer", but didn't enter in your card a second time, then that merchant violated the VISA merchant agreement.
Immediately contact BofA to dispute your charges as FRAUDULENT, and have them block the card number. They will probably only offer a return of maybe the last 2 charges, as FCBA allows for disputes within 60 days of the statement date of the statement showing the disputed charges. Insist on following up with a fraud affidavit to BofA.
In addition, contact this scam outfit and demand all your money back. Demand to know who sold them your card number. (They will refuse or claim "they don't know", which is ridiculous, but get them to say so to include in your fraud complaints.) If they refuse to return your money, file fraud complaints with FTC, your state Attorney General, the Minnesota AG, and at www.ic3.gov
In addition, contact the offices of Sen. Jay Rockefeller, whose Senate Commerce Committee held hearings on this type of scam about 2 years ago. Let him know that this scam is continuing.