My debit card has been charged $10.65 each month for three months now for something I have no idea what it could be
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Probably a cramming scam..
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Typically, some sleazy merchant you might have bought something from hands off your account information to one of these scam companies, claiming "you agreed" to some "discount membership", "credit monitoring", or other intangible "product" as an excuse for the charges, based on a couple lines buried in a long page of legalese "terms and conditions" designed to obscure the "disclosure". The charges may show up under a vague name used by the scam company, or under a generic sounding name used by the payment processor, to again obscure what the charge is really for. The goal is to delay bank disputes as long as possible, trying to run out the 60 day FRB Reg. E dispute period during which banks can reverse charges.
Dispute the charges as fraudulent, and have them block your debit card number, since nothing less will stop this type of scam. Ask them to send you a fraud affidavit, sign and return it to their fraud department. Your bank can reverse charges back 2 to 3 months if you dispute promptly, under FRB Reg. E or FCBA.
Trying to block charges from just one company doesn't work, since cramming scams sometimes use multiple company names.
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Trying to block charges from just one company doesn't work, since cramming scams sometimes use multiple company names.