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  • Report: #20583

Complaint Review: Capital One Bank MOS Magazine Subscriptions TLG Shopper Advantage

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  • Submitted: Thu, May 09, 2002
  • Updated: Wed, April 16, 2003

  • Reported By:Cincinnati OH
Capital One Bank MOS Magazine Subscriptions TLG Shopper Advantage
Capital One Services, P.O. Box 85015 Richmond, Virginia U.S.A.

Capital One MOS Magazine Subscriptions TLG Shopper Advantage ripoff victimized many consumers Richmond Virginia

*Consumer Comment: Almost a year later and it is STILL going on!

*Consumer Comment: Almost a year later and it is STILL going on!

*UPDATE Employee: I agree with Carrie except for 1 thing...

*UPDATE Employee: FYI - . We are here to lend you money, not rip you off.

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Last Fall I was working on rebuilding my credit. After a divorce and bankruptcy it was impossible for me to get a checking or savings account or a credit card. My first step in reestablishing some credit was to get a credit card. My email was always full of offers, so I just grabbed the first one that I came upon. Being a fool, I didn't check out the company beforehand, or I would have seen all of the other people who had been burned before me. Capital One Bank was offering Visa and MasterCards for a small deposit and a monthly fee. This seemed a reasonable offer and a way to get a credit card with my already bad credit. After signing up for this offer I was contacted by a company claiming to be a Capital One partner with a "great" offer for me. They tried to sell me magazines and I refused seven times in seven different phone conversations. Finally Capital One called to say that without a subscription they couldn't process my cards, but that I could cancel the subscription within ten days with no obligations. I sighed and gave up and said whatever. Needless to say, I never received anything with any number to call to cancel or address to write to to cancel. Six months later, I've been fighting them tooth and nail to get the cards cancelled and have the bogus billings reversed. On the Visa card they have been billing me 66.65 every month for MOS Magazine Subscriptions. I have called MOS and they refuse to cancel the subscriptions they claim I agreed to, and also refuse to refund the money they've already stolen from me. On the MasterCard the same thing happened with TLG Shopper Advantage for 69.99 a month. They won't cancel it and won't refund anything. Capital One has repeatedly stated that they will cancel the cards once the balance is paid off. I have paid off the balance again and again but they keep billing me monthly for these two phantom services, so the balance will never be zero. And since they refuse to stop these electronic bandits by refusing to process any more transactions on the cards, I'm at a loss as to what to do. Does anyone have any suggestions on how to stop this theft? Joe Cincinnati, Ohio


This report was posted on Ripoff Report on 05/09/2002 11:18 PM and is a permanent record located here: http://www.ripoffreport.com/r/Capital-One-Bank-MOS-Magazine-Subscriptions-TLG-Shopper-Advantage/Richmond-Virginia-23285-5015/Capital-One-MOS-Magazine-Subscriptions-TLG-Shopper-Advantage-ripoff-victimized-many-consum-20583. 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.

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REBUTTALS & REPLIES:
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Updates & Rebuttals

#1 Consumer Comment

Almost a year later and it is STILL going on!

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

Hi, and thanks to everyone at BadBusinessBureau.com who tried to help with this, and the nice people who posted suggestions here on Rip-off Report. Well, I tried it all, and after filing a fraud report with CaptialOne, the charges were reversed and I was informed that I would be refunded what was left in 90 days.

Three months later, I got a new bill with several HUNDRED dollars of compounded charges and interest. CapitalOne (one of their phone jockeys at least) said that they never received the fraud report, and I would have to pay. I requested another form to fill out but never received one.

Now I'm getting letters from two different collections agencies trying to collect for CapitalOne, NCO Financial Systems and Collectcorp Corporation, for a total of (drum roll please) $1496.60. I don't know what magazines I'm supposed to have subscribed to, but for that kind of money I hope they were printed on gold!

I have finally reached the end of being reasonable and trying to work with people who are unreasonable and such obvious scam artists. I've contacted several law firms which specialize in class-action lawsuits and have found one to take the case, and I'm collecting information from others who have been burned by CapitalOne and their various magazine subscription companies.

If you fall into that category don't let them get you down, contact me and I'll pass your info onto the legal eagles. I am really sorry the situation had to come to this stage, but if a big public class-action lawsuit and lots of bad publicity about a greedy corporation is the only way to get it resolved, then I am more than happy to take it on.

This should make some good copy for the media, they're still hot from Enron and Worldcom et al, so another shady big business story will help to bring even more victims into the fold. We will win.
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#2 Consumer Comment

Almost a year later and it is STILL going on!

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

Hi, and thanks to everyone at BadBusinessBureau.com who tried to help with this, and the nice people who posted suggestions here on Rip-off Report. Well, I tried it all, and after filing a fraud report with CaptialOne, the charges were reversed and I was informed that I would be refunded what was left in 90 days.

Three months later, I got a new bill with several HUNDRED dollars of compounded charges and interest. CapitalOne (one of their phone jockeys at least) said that they never received the fraud report, and I would have to pay. I requested another form to fill out but never received one.

Now I'm getting letters from two different collections agencies trying to collect for CapitalOne, NCO Financial Systems and Collectcorp Corporation, for a total of (drum roll please) $1496.60. I don't know what magazines I'm supposed to have subscribed to, but for that kind of money I hope they were printed on gold!

I have finally reached the end of being reasonable and trying to work with people who are unreasonable and such obvious scam artists. I've contacted several law firms which specialize in class-action lawsuits and have found one to take the case, and I'm collecting information from others who have been burned by CapitalOne and their various magazine subscription companies.

If you fall into that category don't let them get you down, contact me and I'll pass your info onto the legal eagles. I am really sorry the situation had to come to this stage, but if a big public class-action lawsuit and lots of bad publicity about a greedy corporation is the only way to get it resolved, then I am more than happy to take it on.

This should make some good copy for the media, they're still hot from Enron and Worldcom et al, so another shady big business story will help to bring even more victims into the fold. We will win.
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#3 UPDATE Employee

I agree with Carrie except for 1 thing...

AUTHOR: Michelle - ()

Changing the card number is not going to help. You cannot claim the charges are fraud if you at anytime gave them the credit card number. The only way to get it resolved is to dispute the charges.

The defenition of the word "unauthorized" means you NEVER EVER gave them the credit card number.

If you are having trouble getting the companies to stop, then call Capital One and request to speak with the Merchant Resolutions department.

At least if the charges are disputed, they will more than likely stop billing the credit card. The only other problem is that they may start billing you by mail. Try this, it will help :>)
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#4 UPDATE Employee

FYI - . We are here to lend you money, not rip you off.

AUTHOR: Carrie - ()

After reading your comments, I was disappointed that this matter hasn't been resolved. I currently work for Capital One. I am a phone associate that helps our cardholders daily with charge disputes, etc. I'd like to first comment that we are not partners with MOS. The magazine company we work with is NMS. NMS bills 1X per year and has great discounted rates. The most common way we advertise magazines is through our statement inserts.

I am familiar with what MOS is, but only due to calls I have personally taken. In my opinion they are a scam. They offer their magazines through telemarketing. From what I understand their rates are monthly for numerous years. If when calling them to cancel they do not agree, you can call Capital One to have your credit card number changed & the charges reported as fraud.

As for Shopper's Advantage, we are not associated with them either. The most common way they offer their program is when a consumer places an order by phone for a product most commondly advertised on TV. The order taker will ask if you want a 30 day trial membership. If you do not cancel within the 30 days, the credit card number used to buy the advertised product is billed 1X per year.

I personally believe that many consumers are signed up even if they say no. In both cases, there is a phone number listed beside the charges on your Capital One statement. If you call their direct number, you can inquire as to how you were signed up and you can also cancel and request a refund.

Again, if they do not agree, you can call Capital One to have a lost/stolen report done and those charges will be reported as fraud and a new credit card number will be issued to replace your existing credit card account. We do work with numerous companies to offer other services to our customers...through statement inserts, telemarketing, direct mailings and by calling customer service.

Any company we work directly with, we can cancel for you. If you'd like to not be solicited for other programs, you can call us and "opt out". We have sent two separate mailings to every customers in the past 1 1/2 years regarding the "opt out" option.

Lastly I like you to know something about ALL credit card companies. We do not have any control over what is charged to our cardholders' accounts other than our own charges (past due fee, overlimit fee, annual membership fee, monthly membership fee, cash advance fee, returned check fee & finance charges) which are systematically charged to an account. If there is a problem, please bring it to our attention in a calm, rational manner so that we can help you. We are here to lend you money, not rip you off.
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