• Report: #382536

Complaint Review: AP9*HEALTHPLAN, IK9 Privacy Matters,AP9*HOMEWORKSPLUS

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  • Submitted: Sat, October 18, 2008
  • Updated: Thu, October 23, 2008

  • Reported By:WYNNE Arkansas
AP9*HEALTHPLAN, IK9 Privacy Matters,AP9*HOMEWORKSPLUS
9500 WEST DODGE ROAD OMAHA, Nebraska U.S.A.

AP9*HEALTHPLAN, IK9 Privacy MattersAP9*HEALTHPLAN, IK9 Privacy Matters, AP9*HOMEWORKSPLUS Adaptive Marketing AP9* unlawful credit card charges. OMAHA Nebraska

*Consumer Comment: AP9*privacymatter123/AP9*yoursavingclub Are these unauthorized charges or not? The TRUTH about these AP9* / IK9* companies

*Consumer Comment: AP9*privacymatter123/AP9*yoursavingclub Are these unauthorized charges or not? The TRUTH about these AP9* / IK9* companies

*Consumer Comment: AP9*privacymatter123/AP9*yoursavingclub Are these unauthorized charges or not? The TRUTH about these AP9* / IK9* companies

*Consumer Comment: AP9*privacymatter123/AP9*yoursavingclub Are these unauthorized charges or not? The TRUTH about these AP9* / IK9* companies

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These people are charging my checking account 19.95 a month. They will not fully reimburse my money. I did not sign up with these people, nor have I received any type of membership package or benefits, just fraudelant charges. I want my money back.

They also go under the names AP9* HOMEWORKS PLUS, MWI HOMEWORKS PLUS MWI CONNECTIONS HDI SIMPLE ESCAPES Adaptive Marketing LLC - Site Map Adaptive Marketing LLC AP9 ValueMax, IK9 ValueMax AP9 TodaysEscapes, IK9 TodaysEscapes AP9 SimplyYou, IK9 SimplyYou AP9 SimpleEscapes, IK9 SimpleEscapes AP9 ShoppingEssentials, IK9 ShoppingEssentials AP9 PrivacyMatters, EP9 PrivacyMatters, IK9 PrivacyMatters AP9 PremierHealthPlus, IK9 PremierHealthPlus AP9 PassportToFun, IK9 PassportToFun AP9 HomeWorksPlus, IK9 HomeWorks Plus AP9 GalleriaUSA, IK9 GalleriaUSA AP9 Essentials, EP9 Essentials, IK9 Essentials AP9 Connections, IK9 Connections AP9 BussinessMax, IK9 BusinessMax AP9 AtHomeRewards, IK9 AtHomeRewards AP9 24ProtectPlus, IK9 24ProtectPlus I am sure they have other names and addresses. Check your other credit card bills just to be sure.

Ray
WYNNE, Arkansas
U.S.A.

This report was posted on Ripoff Report on 10/18/2008 01:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/AP9HEALTHPLAN-IK9-Privacy-MattersAP9HOMEWORKSPLUS/OMAHA-Nebraska-68114/AP9HEALTHPLAN-IK9-Privacy-MattersAP9HEALTHPLAN-IK9-Privacy-Matters-AP9HOMEWORKSPLUS-382536. 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.

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Updates & Rebuttals

#1 Consumer Comment

AP9*privacymatter123/AP9*yoursavingclub Are these unauthorized charges or not? The TRUTH about these AP9* / IK9* companies

AUTHOR: Bigsexy - (U.S.A.)

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
Respond to this report!
What's this?

#2 Consumer Comment

AP9*privacymatter123/AP9*yoursavingclub Are these unauthorized charges or not? The TRUTH about these AP9* / IK9* companies

AUTHOR: Bigsexy - (U.S.A.)

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
Respond to this report!
What's this?

#3 Consumer Comment

AP9*privacymatter123/AP9*yoursavingclub Are these unauthorized charges or not? The TRUTH about these AP9* / IK9* companies

AUTHOR: Bigsexy - (U.S.A.)

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
Respond to this report!
What's this?

#4 Consumer Comment

AP9*privacymatter123/AP9*yoursavingclub Are these unauthorized charges or not? The TRUTH about these AP9* / IK9* companies

AUTHOR: Bigsexy - (U.S.A.)

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
Respond to this report!
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