AP9*DEALMAX-V THEY WITHDREW MONEY FROM MY CHECKING ACCOUNT ILLEGALLY Nationwide

No one wants these services - so lacking voluntary sign ups, they trick you into signing up without knowing it. The monthly fees usually cost more than any savings you may see from being a member in the long run.

You may have accidently signed up for it when internet shopping.
They hide it behind surveys, offer money off your current order or tiny print and pre-checked checkboxes that are easily missed during checkout. You have to be super vigilant when internet shopping.

They use the same information you provided for your purchase.

It might also be your bank or credit card company. If so they have already provided your account info to the "program". So they do not have to get it from you.

HSBC sends checks that if you cash them you sign up for a program - NOT cashing them is no guarantee that you will not be signed up either, as I never cash those checks - they go straight into the shredder. But I was told I had cashed one, when in fact I did not.

NOW when I get those checks - usually for about $10, I make a copy of it and shred the original check. I write the date it was shredded on the copy and watch my credit card statements.

When internet shopping I make notes on my print outs of the program name, and that I did not choose to sign up for the program or take advantage of money off current order. As well as the date.

They usually offer 30 days free, but never send the paperwork they are required to send - so you forget about it and do not cancel.

No one wants these services - so lacking voluntary sign ups, they trick you into signing up without knowing it. The monthly fees usually cost more than any savings you may see from being a member in the long run.

You may have accidently signed up for it when internet shopping.
They hide it behind surveys, offer money off your current order or tiny print and pre-checked checkboxes that are easily missed during checkout. You have to be super vigilant when internet shopping.

They use the same information you provided for your purchase.

It might also be your bank or credit card company. If so they have already provided your account info to the "program". So they do not have to get it from you.

HSBC sends checks that if you cash them you sign up for a program - NOT cashing them is no guarantee that you will not be signed up either, as I never cash those checks - they go straight into the shredder. But I was told I had cashed one, when in fact I did not.

NOW when I get those checks - usually for about $10, I make a copy of it and shred the original check. I write the date it was shredded on the copy and watch my credit card statements.

When internet shopping I make notes on my print outs of the program name, and that I did not choose to sign up for the program or take advantage of money off current order. As well as the date.

They usually offer 30 days free, but never send the paperwork they are required to send - so you forget about it and do not cancel.

No one wants these services - so lacking voluntary sign ups, they trick you into signing up without knowing it. The monthly fees usually cost more than any savings you may see from being a member in the long run.

You may have accidently signed up for it when internet shopping.
They hide it behind surveys, offer money off your current order or tiny print and pre-checked checkboxes that are easily missed during checkout. You have to be super vigilant when internet shopping.

They use the same information you provided for your purchase.

It might also be your bank or credit card company. If so they have already provided your account info to the "program". So they do not have to get it from you.

HSBC sends checks that if you cash them you sign up for a program - NOT cashing them is no guarantee that you will not be signed up either, as I never cash those checks - they go straight into the shredder. But I was told I had cashed one, when in fact I did not.

NOW when I get those checks - usually for about $10, I make a copy of it and shred the original check. I write the date it was shredded on the copy and watch my credit card statements.

When internet shopping I make notes on my print outs of the program name, and that I did not choose to sign up for the program or take advantage of money off current order. As well as the date.

They usually offer 30 days free, but never send the paperwork they are required to send - so you forget about it and do not cancel.

No one wants these services - so lacking voluntary sign ups, they trick you into signing up without knowing it. The monthly fees usually cost more than any savings you may see from being a member in the long run.

You may have accidently signed up for it when internet shopping.
They hide it behind surveys, offer money off your current order or tiny print and pre-checked checkboxes that are easily missed during checkout. You have to be super vigilant when internet shopping.

They use the same information you provided for your purchase.

It might also be your bank or credit card company. If so they have already provided your account info to the "program". So they do not have to get it from you.

HSBC sends checks that if you cash them you sign up for a program - NOT cashing them is no guarantee that you will not be signed up either, as I never cash those checks - they go straight into the shredder. But I was told I had cashed one, when in fact I did not.

NOW when I get those checks - usually for about $10, I make a copy of it and shred the original check. I write the date it was shredded on the copy and watch my credit card statements.

When internet shopping I make notes on my print outs of the program name, and that I did not choose to sign up for the program or take advantage of money off current order. As well as the date.

They usually offer 30 days free, but never send the paperwork they are required to send - so you forget about it and do not cancel.

The first thing I would like to say is that I am a bank employee, but also a consumer just like you. We all work very hard for our money and get very upset when we feel we have been scammed. I have made many bad choices in my life, I have been scammed, and I understand all of your frustrations. I tell all of my customers that your personal and account information is one of the most important things because it is directly connected to ours lives. When giving out any information (over the internet, telephone, or even filling out paper or subscriptions) we must read all fine print, privacy agreements, terms of service, etc. And if you feel you need to write out that you do not want any of your information disclosed; make a copy as proof.


Second, when you see a charge on your account with the description AP9* or IK9* this is an authorized charged; whether you realize it or not. These companies do provide a product or service; whether you use it or not. Although, this is not how I or you may do business, these companies do get your authorization at some point to charge your account. I have had this happen to me as well. I went to Free Credit Report.com to get my "free" credit report. I filled out all of my personal information for my "free" credit report. Of course the site tries to get you to purchase all these other services and I declined. Moving on to the next page I was prompted to sign up for account monitoring provided by privacymatter123. When I realized I had to put in my credit card or debit card number I tried to skip this page. Unfortunately I was not allowed to skip this portion. I either signed up or was denied my "free" credit report. So I read all the fine print, terms of service, etc. It indicated that I pay a dollar for the trial period, if in 30 days I called to cancel, I could request my dollar refund and I would not be charged monthly. If I did not call to cancel the dollar charge would remain and I would be charged until I cancelled. I wrote down all the information I needed to cancel and began to proceed. The very next page was a similar ad. This was for yoursavingsclub; all the same stuff. I could not skip the page, $1 trial period, 30 day cancellation period, etc. I agreed to all that and finally was allowed to get my credit report. So I immediately called after obtaining my credit report, cancelled both services, got my refund of the $1 and all was good.


All these companies contract with some you do or have done business with; when you see the * this means that this company is internet based. More that likely they contract with a company you have done business with over the internet. Keep in mind when filling out your information like I described above, just because you "X" out of the window does not mean they may not already have your information. You must make sure you log out, cancel, or at least call the company to make sure your are not charged. Always wait for a confirmation page when cancelling services online (and print them out as proof), and ask for a confirmation number when cancelling services over the phone. Write everything a representative tells you down with there name if you feel something is "phishy".


Now that you know how this works please be careful when giving out any information personal or account. If you do notice these charges on your account, call the company right away, cancel the service, and to protect yourself (they may have already sold your information to someone else) close the account and open a new one. This is the only way to protect yourself if they already have your information. Anything else, like closing your debit card and ordering a new one is still risky. Most of these companies will give you a refund if you ask; a word of advice, if you call yelling, cursing, or with an attitude getting a refund will be much harder than if you call to cancel and request on nicely.


I hope this information was helpful to you. Spread the word to all friends, family, and loved ones.


By the way I work for Wachovia (Wells Fargo - hehehe). Have a great day