Berman Investment Group (BIG) offered what appeared to be a nice offer on FREE material with only cost being for shipping. I figured to check the deal out and went to the website to see what it had to offer. As a note the offer still continues to be on TV but the website name regularly changes but still the same offer.
I read the pages carefully and filled out my contect information. I click the button to continue and came to a page listing a reciept showing what I was getting and that there was no cost for the item, there was the term FREE listed at least 5 times on the page, 4 times inside the reciept. I filled out my credit card information and selected the button to continue.
I received the material and was charged accordingly. A month later they charged my account again but this time it was $100. I contacted the company and questioned the charge. I stated to the representative that I never agreed to the charge and I would like it to be removed. He would not and said that I had 30 days to cancel bbut that 30 days had lapsed. He stated that it was on the site that I ordered from.
I went to the site and started reading through again. I found no terms or agreements up to the point that I continued after entering my credit card information. I did find though that if I read the small print at the bottom of the page that there was a notice that I would be charged if I did not cancel in 30 days.
I disagree with this mechanism of fraud as I never agreed to that "agreement", as there was nothing notifying of an agreement and the agreement was after my "signature" (submit button) which I understand to be an agreement for everything prior to the signature.
I contected the comapny and requested that I be refunded my money but the best offer they gave would be to refund everything minus $15. That they would refund $85 of the $100 dollars charged. As I was unssure of what my credit card comapny would do (this was they first time with dealing with a fraudulant charge) I said yes.
After the call I felt that even though the difference was $15 that they were acting fraudalantly in the initial charge and not providing a complete refund.
I contacted my credit card company and requested their help in resolving the matter. I relayed to them the whole situation as listed above. They took the steps over a few weeks to resolve the matter with the knowledge that this charge was made without my consent. The adjusted my balance and almost a month later, BIG, adjusted my balance again with the $85 refund which was again reversed as my credit card company had corrected the problem initially.
From my initial charge (legal) to the unauthorized charge, and to completing the steps needed to correct charges to my credit card took almost 3 months. I continue to see the offer on TV and the website changes on a more than infrequent to almost a frequent basis. During this time I actually found Ripoff Report.com when I was searching for additional information in regards to this company after they charged my credit card. There was another person whose report was almost identical accept he may have received a set of CDs after being charged which I did not and am glad that they were not sent.
Watch out for this company and dealing with them.
Warriors Mark, Pennsylvania