I placed an order for $25 worth of supplements and the website offered free shipping if you "order now" which included $5 off the order. But evidently they stealthy enrolled me into a "trial membership" for which they charged my credit card $19.95 about a week later. I must have thought the charge was for ordering supplements and so I didn't dispute it since I had a lot going on and I have in the past questioned charges that have turned out to be purchases either by me or my husband.
The second and third months we had been out of town and I had been overwhelmed with work and personal things that I didn't bother to check it out until I received the 4th charge. I recognized the exact name and amount from a month earlier that I didn't bother to question and that's when I checked the history and realized I had received a recurring charge for four months. I called to ask what the charges were for and was told it was for membership in their discount program.
I could not believe it! But she told me she could credit me for 2 of the 4 charges and then transfer me to the company so I could speak to the company. The transfer to the "company" did result in receiving credit (hopefully) for the remaining 2 charges. But I was in total disbelief that I was unaware that taking advantage of $5 off and free delivery was enrolling me into a program for which I would be charged $19.95 per month.
I never received any sort of email about any membership although the representative told me that they sent one. I asked who the "sender" would have been so I could search for it in my email and she said it would have been from "smartsavingscenter.com" but I could not find such a thing. Although I have not checked "spam" folder.
I just wonder how many senior citizens are being charged unaware ..... scary people actually resort to this type of "business" practice.
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