I was charged $1.00 on 2/11/11, I did not agree to this charge and I want it refunded ASAP! I'll persue this to the bitter end!
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tj
The $1.00 charge indicates your account has just been "pinged" by a known scam, to see if it is open, soon to be followed by much larger fraudulent charges that will continue monthly until you shut down the account.
Immediately contact your bank to file a fraud dispute against the $1.00 charge, and immediately close the account or block the card number to prevent impending future fraudulent charges. Follow up with a written dispute or fraud affidavit, mailed certified to your bank's dispute address from your statement, so you can prove your bank dispute was timely, to take advantage of the FRB Reg. E or FCBA dispute provisions.
This is a common scam, and the Senate Commerce Committee actually held hearings on these fraudulent "discount membership" scams about a year ago, and the New York Attorney General went after several last spring.
There are a number of companies engaged in "selling" these worthless "discount memberships", splitting the take with other merchants or telemarketers. Consumer fraud losses due to this "industry" are in the hundreds of millions of dollars per year.
Have you received any recent telemarketing calls? Have you called any company to place an order, possibly purchase of a product advertised on TV in an infomercial? Have you made any online purchases, and if so, were there any pop-up "discount" offers? Has anyone offered you some "free trial" offer, supposedly for some "discount"? These are the usual ways these scams try to slip through a deceptively "authorized" charge.
If so, what merchant, product, phone numbers, website (URL)?
Dispute fraudulent charges through your bank, and close the account or block the card number due to fraud, to prevent additional fraudulent charges. Your bank can reverse the charges if you dispute promptly. Follow up with a written dispute or fraud affidavit to preserve your FRB Reg. E or FCBA dispute rights.
Be sure to have your bank block the card number or close the account, since such scams often attempt to cram charges under different names, or sometimes "cancel", then start charging again months later, trying to slip more charges through.
Numerous complaints against these scams report that attempts to cancel or get refunds through calling such scams usually result in deceptive attempts to string consumers along and delay fraud disputes past the 60 day dispute window allowed by FCBA or FRB Reg. E. Some investigations have found that over 90% of their "customer service" calls are dealing with "cancellations", trying to resell angry "customers", or delay refunds.
You should also report this to FTC and your state Attorney General, and at www.ic3.gov.
You might also call the offices of Sen. Jay Rockefeller, who conducted the hearings, just to let them know these scams are still in operation.
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Jimmie D Williams
They have charged me $29.95 to my Credit Card account. It was never authorized and I have been trying to get them issue a credit without any success.
Comments
Immediately contact your bank to file a fraud dispute against the $1.00 charge, and immediately close the account or block the card number to prevent impending future fraudulent charges. Follow up with a written dispute or fraud affidavit, mailed certified to your bank's dispute address from your statement, so you can prove your bank dispute was timely, to take advantage of the FRB Reg. E or FCBA dispute provisions.
This is a common scam, and the Senate Commerce Committee actually held hearings on these fraudulent "discount membership" scams about a year ago, and the New York Attorney General went after several last spring.
There are a number of companies engaged in "selling" these worthless "discount memberships", splitting the take with other merchants or telemarketers. Consumer fraud losses due to this "industry" are in the hundreds of millions of dollars per year.
Have you received any recent telemarketing calls?
Have you called any company to place an order, possibly purchase of a product advertised on TV in an infomercial?
Have you made any online purchases, and if so, were there any pop-up "discount" offers?
Has anyone offered you some "free trial" offer, supposedly for some "discount"?
These are the usual ways these scams try to slip through a deceptively "authorized" charge.
If so, what merchant, product, phone numbers, website (URL)?
Dispute fraudulent charges through your bank, and close the account or block the card number due to fraud, to prevent additional fraudulent charges. Your bank can reverse the charges if you dispute promptly. Follow up with a written dispute or fraud affidavit to preserve your FRB Reg. E or FCBA dispute rights.
Be sure to have your bank block the card number or close the account, since such scams often attempt to cram charges under different names, or sometimes "cancel", then start charging again months later, trying to slip more charges through.
Numerous complaints against these scams report that attempts to cancel or get refunds through calling such scams usually result in deceptive attempts to string consumers along and delay fraud disputes past the 60 day dispute window allowed by FCBA or FRB Reg. E. Some investigations have found that over 90% of their "customer service" calls are dealing with "cancellations", trying to resell angry "customers", or delay refunds.
You should also report this to FTC and your state Attorney General, and at www.ic3.gov.
You might also call the offices of Sen. Jay Rockefeller, who conducted the hearings, just to let them know these scams are still in operation.