On or about October 30, 2005, I purchased some products (Christmas Cards,Calendars and Mailing Labels)from VistaPrint and upon completion of submitting my order I received a notice that I was eligible for a $10.00 Cash Back Reward for my next purchase from VistaPrint. In order to get my $10.00 Cash Back Reward I was instructed to double click the Cash Back Reward label, which I did. On the same date I received the following email from BusinessMax informing me that I had accepted a special invitation to try BusinessMax for 030 days:
Date: Mon, 31 Oct 2005 03:16:16 -0600
From: membersavings@BusinessMax123.com Add to Address Book Add Mobile Alert
Subject: Your BusinessMax Membership Information (598684641 VP)
Welcome to VistaRewards, powered by BusinessMaxSM ! You're receiving this email because you accepted a special invitation to try BusinessMax free for 030 days. BusinessMax offers you corporate sized discounts for your everyday personal and business needs. Plus, as a special reward for trying BusinessMax, you are eligible to get $10 Cash Back on your next VistaPrint.com purchase! Simply click here for details.
Start saving right now -- simply click the URL below
Your membership id is: 598684641.
ZIP Code: 87502.
Here are just some of the great benefits and savings that await you:
Save 20% at Staples1, Barnes & Noble reg;2 and Circuit City3 with gift cards purchased through BusinessMax
Receive members-only savings from our Discount Shopping Service, powered by Overstock.com.
Save 50% on premium business cards at VistaPrint.com
Save up to 50% on hotel room rates and up to 30% on car rentals
Save on your healthcare for your employees at over 400,000 qualifided providers across the country.4
And so much more, including 50% off premium business cards at VistaPrint.com
Be sure to visit http://www.dealpass.com to print out your membership card for immediate access to all your benefits. It's easy to find - just look for the My Account section tab in the upper right-hand of your product website.
Your savings can more than pay for your membership!
Get up to $250,000 worth of insurance -- for free
Congratulations! You are eligible for up to $250,000 worth of Common Carrier Insurance coverage at no additional cost. That's a savings of up to $250! Sign up today and then you're covered for as long as you're a member!
Get 100 Reward Dollars today!
Sign up today for Rewards Dollars -- free -- and get 100 Reward Dollars, plus an additional 30 Reward Dollars each month of your membership. Then use your Reward Dollars to save on hotel stays you book through us for thousands of hotels and resorts worldwide!
You'll find details on all these benefits - and many others - on the BusinessMax site. BusinessMax can help you save hundreds, even thousands of dollars, on many of your business-related expenses!
As a reminder, the next billing date for your $12.95 membership fee is 11/30/05. Your account will be billed on or after this date, according to the membership terms agreed upon.
Your membership fee will show up on your statement as follows:
BUSINESSMAX 888 584-2217
So take advantage of your BusinessMax benefits during your 030-day trial membership period. If within 030 days, you don't feel that our services and benefits are everything we say they are, simply call us toll-free to cancel your membership. Otherwise, BusinessMax will automatically charge your card the monthly fee you agreed to at the end of your 030-day trial membership period, and will then automatically charge you every month unless you cancel. You may cancel at any time and no longer be billed.
Alternatively, you may cancel by logging onto the BusinessMax website where you can access the BusinessMax Cancellation Center 24 hours a day. Simply click on the "My Account" link located at the top of the page. From there, click on the "Membership Status" link on the left side of the page and follow the instructions provided. You will receive an immediate confirmation that your membership has been cancelled.
For your convenience, our toll-free number is listed within the Help section once you log in.
Important: Please save this e-mail for future reference and bookmark http://www.DealPass.com for instant access to your benefits.
We look forward to serving you now and in the future!
1 Staples is neither a sponsor of nor an affiliate of BusinessMax. Staples gift cards are valid in US stores only. Please see back of gift card for complete terms and conditions of use.
2Barnes & Noble is not a sponsor or co-sponsor of this promotion. Please see back of gift card for terms and conditions of use. Barnes & Noble is not liable for any alleged or actual claims related to this offer.
3 Circuit City is not a sponsor of this program or offer. Circuit City GiftCards can be used for merchandise purchases only. GiftCards cannot be used to make payments on Circuit City credit card accounts. See back of GiftCard for full terms and conditions of use. Circuit City GiftCards can be redeemed at any Circuit City or Circuit City Express location nationwide. To locate your nearest store, please call 1-800-284-4886 or visit www.circuitcity.com. Use of the Circuit City name and logo is by permission of Circuit City Stores, Inc.
4In the State of Maryland, the rates charged for many medical procedures are set by the Health Services Cost Review Commission (HSCRC). If the rate for the medical procedure is regulated by the HSCRC, then network rates will be equivalent to the state-set rates."
Note: I had no idea that by requesting my $10.00 Cash Back Reward from VistaPrint that I had accepted membership with BusinessMax and I feel this was incorrect because I never accepted their membersip for $12.95 per month.
Santa Fe, New Mexico
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.
We are Consumer Advocates. ...the victims' advocate
WE are Civil and Human Rights Activists
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.