Complaint Review: safecart.com - Victoria British Columbia
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- Author Not Confirmed
- safecart.com 1205 - 4464 Markham Street Victoria, BC V8Z 7X8 Victoria, British Columbia Canada
- Phone: 800 408 3985
- Web: www.safecart.com
- Category: Computer Software
safecart.com sparktrust pc cleaner Charged PayPal account without permission for "free product" Victoria Internet
*Author of original report: Rebuttal to your rebuttal
*UPDATE Employee: SafeCart Charge
*Consumer Comment: What a surprise Frustrating
*UPDATE Employee: SafeCart Order
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This company routinely charges credit and debit cards through PayPal, ususally without permission of the cardholder. I work for a large national bank in the disputes department andI can advise you, if the charge appears on a credit card, especially VISA, to dispute the charge with your issuing bank. They will process against this merchant, and, in doing so, alert their bank of this reprehensible business practice. As someone who works with this kind of issue all day long, imagine my surprise to discover they had done this to me! I do not purchase software and have not used my PayPal account in many, many months--almost a year. I had to do a little research to discover that this was a "free product" that the merchant charged me for--without my knowledge or permission. When a merchant sends the request through PayPal, that entity will not take any responsibility for allowing the charge. In turn, the account, whether credit or debit, will be charged and the merchant is immediately paid. They then have that money in their account for whatever length of time it takes for the customer to make the dispute and win. That is two billing cycles by law. Meanwhile, they have YOUR $19.95 or however much they've charged you, and it is accruing interest and earning them a LOT of money. Just multiply the amount above by millions of transactions and what I am saying will make sense.
Is this a rip-off? You bet! Frustrating and aggravating? For sure! Disputable? YES! Billing errors can be and are disputed and won all the time. This scenario is in that category, as this charge will be for most consumers an unrecognized charge. Do not mistake this for "fraud," as it is not. A fraudulent charge is one in which your account number was used by someone else, (a thief or hacker), without your permission, to make a credit card or debit card purchase. Cases like that are "unauthorized" transactions, and Mastercard and Visa issuing banks will be happy to credit you and replace your card immediately when you let them know of such transactions.
In cases of "unrecognized charges" it is not necessary to close your card number; in fact, doing so may just give these merchants another avenue by which to charge you again. Instead, report the transaction to your bank as an unrecognized charge, and request to have the merchant blocked to prohibit them from charging the card again. Most banks will do this on credit card accounts for no charge. Blocks last approximately 13 months, and can also be removed at the customer's request.
Naturally, I will be disputing this charge with my bank. I recommend, if you are a PayPal user, locating the transactiton in your PayPal account and blocking the merchcant there as well. You may want to close your PayPal account also--that is up to you--as this will definitely keep these people from using your account for these charges again, at least by that means.
I hope this information is helpful to others. Remember: be very, very careful when providing your credit card number to any entity. Such provision gives that entity the ability to charge your card at any time for any thing, without your knowledge. And yes, this is a legal practice, strange as it sounds. Check with your issuing bank for more clarification on these questions.
Good luck!
This report was posted on Ripoff Report on 02/13/2014 10:13 AM and is a permanent record located here: https://www.ripoffreport.com/reports/safecartcom/victoria-british-columbia-v8z-7x8/safecartcom-sparktrust-pc-cleaner-charged-paypal-account-without-permission-for-free-pro-1123314. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#4 Author of original report
Rebuttal to your rebuttal
AUTHOR: Carla - ()
SUBMITTED: Thursday, March 27, 2014
Thanks for that helpful information, Kristy with Safecart. Naturally, I've already contacted your company--both by email and by phone--and was told that the transaction did not exist, therefore they could do nothing to help me. Funny, because it not only shows on my bank statement, but also in my PayPal account. But I suppose I hallucinated that charge, as well as the non-helpful helpfulness of safecart employees, just as I am imagining the hundreds of bogus charges I personally deal with every week from you company. Face it--safecart is in the business of ripping people off in droves. If this were not true, my own job would be a lot easier, and your company would have significantly fewer chargebacks against you.
My advice is to keep doing what you are doing--stealing from people--and allowing banks to process against you. Let the black marks from Visa and Mastercard mount up so eventually your bank will no longer handle your business. And I'll keep directing people to file complaints with the BBB against you so your rating will go down and eventually, I hope, you'll be put where you belong--out of business.
#3 UPDATE Employee
SafeCart Charge
AUTHOR: CustomerSupport - ()
SUBMITTED: Tuesday, February 25, 2014
Hello,
SafeCart is one of the Internet's leading payment processing services. We are sorry to hear of any problems you have encountered with your transaction/purchase, and please understand that we do take your complaint seriously. In regards to your complaint, please contact us at SafeCart, and we will be more than happy to assist you. You can reach our customer service at 1-855-432-0727 (M-F 6am to 5pm PST) or through email at customerservice@safecart.com.
Warm regards,
Kristy
SafeCart Customer Service
www.SafeCart.com
#2 Consumer Comment
What a surprise Frustrating
AUTHOR: Frustrated - ()
SUBMITTED: Monday, February 17, 2014
Things can go wrong if you buy something there. I have bought things, out of USA and find foreign fees, hidden fees, I find days later when I examine my account at my bank. Then when I opened an account, when paypal started, I could buy with paypal overseaas, not pay that hidden fee, yet perhaps it did happen or did not sometimes. Then when there was a time I felt cheated by paypal I left. Strange things do happen while having an account there, or try to restart one.
I have gone to ebay to buy things, without a paypal account, it wrote its covered by their, buy it, it goes wrong, get it back policy, therefore when someone sends something else, then try to get my money back, they told me they are giving it back - they expected me to open a paypal account. Once I open an account, it wrote I can get a check, if I give them $1.50 or for free - if I add a bank account. Now they what all my bank information every where, any bank account and any credit cards and debit cards, whatever exist, now I can lose when they take what they want, yet perhaps never admit its verified, money does come and go, when I used my bank card, I could receive what I bought, or find where it wrote to get my money back. Therefore there is a process to get it back.
Its easier to buy something, or work to get it back. If they send email to contact them, or I need to send email, you can not send the email back, or call them, perhaps you can, by chance. Therefore if you have a problem, then search, it sends you to a search engine, to pick the best thing, that may or may not help. There is a place on the bottom of the page in small letters, contact us, yet that can send you back to the search engine, to where you will be frustrated trying to contact them. Therefore if you need to contact them - can be impossible.
#1 UPDATE Employee
SafeCart Order
AUTHOR: CustomerSupport - ()
SUBMITTED: Saturday, February 15, 2014
Hello Carla,
SafeCart is a payment processing service for merchants that are selling their products and services online. We are sorry to hear of any problems you have encountered with your transaction/purchase, and please understand that we do take your complaint seriously. In regards to your complaint, please contact us at SafeCart, and we will be more than happy to assist you. You can reach our customer service at 1-855-432-0727 (M-F 6am to 5pm PST) or through email at customerservice@safecart.com
Warm regards,
Kristy
SafeCart Customer Service
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