An internet advertisment for skin care recommended two products by two different companies - Kollagen Intensiv and AuraVie - skin care product. The advertisment cost was $4.95 for both products.
The advertizment said to try these two products together to get the best results. This required my bank debit number. I recieved the trial offer of three containers: 3.0 oz cleanser, 1.0 oz age-defying serum and 1.75 oz moisturizer after about one week. I waited for the Kollegan Intensiv creme but it never came. I waited because they said the products should be used together.
After about three weeks, I received my bank statement and there were five withdrawals: one by Kollagenintensivtrial for $.04, one by Antiage Van Nuys for $1.93, one for $3.02 by Antiage Van Nuys, one for $4.95 by Kollagenintensivtrial and one for $97. [continued below]....
.....88 by Antiage Van Nuys. The total is $102.87. I was led to believe all I would pay was $4.95 for the trial.
I then called AureVie (866-216-9336) and Kollegan Intensiv (866-296-1550) and was told I had not cancelled my "membership" when the ten day trial was up and had to pay $97.88. I had not even yet tried the product because I had not recieved all of it. At that time I cancelled my "membership" with both companies and was told I could not get a refund of the $97.88.
A few days later the Kollegan Intensiv creme arrived that I had paid for in the initial advertisments. Too late to use as recommended before cancelling the "membership". I contacted my bank to stop any more withdrawals by these people and was told to call them requesting a refund of $97.88 and if they refused the bank would file a complaint.
I did and was told I did not read the agreement and could not get a refund. I did not read the agreement because I did not get the full order so I could use both at the same time. The service agent told me I could get a "courtesy" refund of $25.00. I refused because I should get the full amount of $97.88. He said not to call back asking for the "courtesy" refund since I had refused it once.
I consider the $4.95 I agreed to pay for the trial was all I should pay. I have received nothing else. Furthermore I do not know what the other charges were for. $.04 $1.93 $3.02 I am filing a complaint form through my bank for a refund. My argument is that I should receive either a refund or a shipment of what I paid $97.88 for.
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
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
Author of www.ripoffrevenge.com
PO Box 310, Tempe, Arizona 85280