- Report: #1029345
Report - Rebuttal - Arbitrate
Complaint Review: Heartdetectives - Ccbill
Heartdetectives - Ccbill1501 W.17th St. Tempe, Arizona U.S.A.
Heartdetectives - Ccbill debited my account after cancellation on heartdectectives ripoff Tempe Arizona *EDitor's Suggestions on how to get your money back into your bank account!
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First, we were unable to find you in our database with the information you provided. This could mean that CCBill is not the billing company or the information you provided was insufficient.
The information needed would be subscription ID number, first and last name, username for the website, or email address that was used when the subscription began. A credit card or checking account number would also help-but do NOT email them! Please call our customer support center at 1-888-906-0666 (24/7)
Since, we cannot locate a subscription in our system using the limited amount of information that has been sent to us by you, we cannot even verify your claim that you are being billed by use.
Second, when verifying prior cancellation we need to make sure that your cancellation attempt was done according to our policies, or that the attempt was done in an appropriate time. Proof must be sent as a forward email attachment to verify the authenticity of the email. For example, sending a Windows Word Document is considered insufficient because a Word Document can be made fraudulently to convince us that a cancellation attempt was made and records were kept when none of this took place.
Also, all cancellations must be done at least 24 hours before the recurring bill date or else any charges made do to recurring billing are nonrefundable. If you attempted to cancel the subscription on the site you subscribe and you subscription is not canceled, and you have no proof of such cancellation attempt that may or may not have taken place then we cannot be held liable.
Third, the website you are referring to is a profile based website. In most cases there is always an option to delete such profile to either a) create a new one, or b) remove any customer information already located on the site. Deletion of the profile in no way affects the billing of a subscription to such a website because the two are on separate systems and the option to access paying member portions on the site is still available provided the customer creates a new profile. In any case all cancellation attempts must be made with CCBill in order to confirm that the cancellation has been successful.
As a result, we will need to include more information in your next email in order for us to first locate any transactions that have taken place under you credit card, debit card, or checking account. If you feel this is unsafe or if you are unable to comply with such a request then it would be best for you to contact us directly using the toll free number, available 24/7 listed at the bottom of this email.
CCBill Support Team
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.
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This report was posted on Ripoff Report on 04/30/2007 06:23 AM and is a permanent record located here: http://www.ripoffreport.com/r/Heartdetectives-Ccbill/Tempe-Arizona-85281/Heartdetectives-Ccbill-debited-my-account-after-cancellation-on-heartdectectives-ripoff-1029345. 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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