I found three unauthorized charges of $14.95 each on my bank statement. The first was attributed to "AP9*Privacy Matters 800-346-0817" on 11/30/07; the second was for "AP9*PMIdentity.com" on 12/24/07; and the third was for "AP9*Protect Plus 800-211-9749" on 12/27/07.
I reached their customer service today (12/31/07) at 800-211-9749 and spoke with David. I asked what kind of company they were. He said that their members get an opportunity to purchase gift cards at 20% discount, receive roadside assistance, and are offered financial security through online credit reports. I told David that I did not apply or sign up for any of these services and I am not interested in membership. I asked how they got my information and charged my account.
David asked for my name and zip code, which I gave. He could not find me in the system, but, at my request, he put me onto Pablo, a manager. Pablo wanted me to give more information. He said they could not research the problem without receiving my full 16-digit credit card number. I refused to give my credit card number, only giving the last 4 digits. He said there was nothing he could do, and I should check with my bank.
I advised Pablo that I contacted my bank before calling him, and that he should take their fax number to fax the information they needed to verify the transaction. He stated that at the location where he was he had no ability to make outside calls or call fax numbers. I asked where he was and he said Montreal, Canada. I asked for an address and he gave: "P.O. Box 5152, Des Plaines, IL 60017." He said there was no street address available. The web address he gave was: www.23protectplus123.com.
I also asked Pablo who is "PMIdentity"; he recognized the company as part of their operation and says that service offers online credit reports. I asked how often do members have to pay the $14.95 fee and he said monthly. I then inquired why I had received two $14.95 charges, three days apart from PM Identity and from 24Protect Plus to provide the same credit reporting service. He had no answer for that.
I asked Pablo for his last name, and he said he could not give out that information, but his employee ID was 26466. Pablo refused to give me their email address or any further information, and said he could not help me further.
This operation is a big ripoff. I did not request or sign up for this service. They have invaded my bank account, and may perhaps have my identity information. I will probably have to change all of my records now.
Beware of this company -- pay attention to the many names they use. Everyone beware!
U.S.A. EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent! DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form. CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
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We are a Worldwide Consumer Reporting News Agency ...by consumers, for consumers CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.