stealing
Complaint
taylor tinisha
Country: United States
I do not like people stealing money from anyone. First of all, this is a form of dishonesty. I was charged for $49.98 for something I did not want. I called customer service about this and they said that I have my digital signature attached to the application that I approved to this. I checked that signature that was captured and I found out that it was mine. The guy told me that it was something about a bonus offer. I remember applying for an online transaction but I do not like this bonus offer. The customer service that I spoke to immediately cancelled my membership and provided a refund. They said it will be on my bank account after 3 business days.
Comments
Shill positive reports similar to the above have been recently posted on this and a number of other complaint sites in the last 2 weeks. The shill posts on this site all appeared within about an hour of each other, indicating they were all posted by the same person.
Although they mention several companies and are written under different names, they all appear to be written by the same person, in the same "voice" or style.
They attempt to portray the appearance of unexpected charges after applying for an on-line payday loan as "normal", allegedly "authorized" by the consumer who failed to notice the terms, and easily and quickly refundable by a simple call to the company, rather than the fraud dispute through your bank which would protect your dispute rights through federal law, but would also cost a charge crammer a charge-back fee.
This appears to be an active disinformation spam campaign, that if effective, could result in fraud losses to consumers who are delayed in their disputes by following the suggested "advice".
The timing may also be significant, as the Thanksgiving to Christmas season is the most effective time for scammers to cram unexpected charges on consumer accounts and get away with it by running out the dispute window, due to high levels of transactions and travel causing delays in reviewing statements.
This timing showed up in the Peel, Inc. (PosterPass, Seattle Coffee Direct, etc.) cramming blow-out this time last year just before they were sued for fraud by the Illinois Attorney General.
"I checked that signature that was captured and I found out that it was mine. "
The above statement is deceptive, as there is no way to actually do this.
Scammers cramming charges have commonly claimed that having some IP address proves some "electronic signature" or "agreement" must be legitimate, but such claims are generally used as part of a "con". Nothing short of a forensic audit or subpoenas of ISP records would be able to independently confirm or refute such a claim, and even then that would not disprove use of deceptively designed websites in a fraud.