unauthorized charges

Comments

• 0

  Judy Watkins

  3 Oct 2010

  what can I say except that I want my money back,this is something I did not order and i want it fixed

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• 0

  tj

  3 Oct 2010

  There are currently many scams making repeated fraudulent charges to consumer accounts.  they may involve crammed "autoshipment" scams on hyped health products, or "discount membership" scams deceptively tacked onto other on-line purchases, or fraudulent charges made using illegally obtained account information.  They generally depend on slipping through small charges for worthless or non-existent products, using deceptive or delay tactics to keep the scam charges going as long as possible.
  
  
  Immediately contact your bank to dispute fraudulent or unauthorized charges, and close the account or block the card number due to fraud to prevent additional future fraudulent charges.  Follow up with a written dispute or fraud affidavit sent to your bank's dispute address from your statement.  
  
  Your bank can reverse fraudulent charges under FRB Reg. E or FCBA, but only if you dispute them promptly, within 60 days of the statement date of the statement showing the disputed charges.  Do NOT depend on promises from scammers of "refunds" or that they will "investigate", as those are often made to delay your bank dispute past the 60 day dispute window.
  
  File fraud complaints with FTC and your state Attorney general, and at www.ic3.gov.
  
  In the future, use only credit cards for online or retail payments, since it is less disruptive to block credit cards in case of fraud.  Do NOT use debit cards, as that can allow scammers direct access to your checking account.  In fact, it is safer not to have debit cards, and use an ATM card requiring a PIN at your bank's own ATM machines.  Use your checking account and checks only for payments to companies you can trust, such as rent or mortgage, utilities, banks, etc.

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