unauthorized charges on my account

Comments

• 0

  Medie Boswell

  1 Dec 2011

  I purchased a 2.97 pamplet on Government grants, and was also charged $57.61 for subscription for something else I wasn't even told about. This obviously a scam , since there are so many complaints for the same thing.
  
  If I don't get a refund on my account in 72 hours, I'll be forced to file a complaint with the better business bureau

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• 0

  tj

  2 Dec 2011

  You are dealing with a "government grant" cramming scam.
  
  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...
  
  File fraud complaints with FTC, your state AG, and at www.ic3.gov

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