I'm glad I decided to investigate this a little before I called Premium Mega Saver and begged for my money back. Obviously that idea is a waste of time.
I was contacted on 6/5/03 by a woman from a credit card company. I had been applying for a credit card for several months prior to this phone call. Every credit card I applied for, I got rejected. So, when this woman said I was approved for a credit card, who wouldn't say, "Hell yes"?
She told me she needed my checking account number so she could debit a processing fee of $4.95. I complied, and gave her my account number (why I would ever give my account number over the phone is unexplainable right now, but I needed a credit card desperately). Then she told me about a promotion for a calling card from Premium Mega Saver.
She told me the calling card had a 10 day trial period, and after the trial period I would be charged a monthly fee of $54.90 if I did not call and cancel the card. This is the exact information and instructions that I recieved in the mail from Premium Mega Saver. I followed the instructions, and cancelled the card within the trial period. I was given a cancellation number of 3657.
I found out from my bank that on July 2, 2003 my checking account was debited $54.90 from Premium Mega Saver. Because of this, my account became overdrawn (it was one day before payday) and I got charged an overdraft fee of $28.00 for every transaction after the $54.90. Luckily, there was only one transaction, so I only recieved one overdraft fee.
I called the customer service number, and explained my situation to the representative. She told me she recognized the error, and told me she would refund me the $54.90, plus the overdraft fee of $28.00 of I could fax her proof. I had the overdraft notice in front of me, and told her I could fax it to her that day. She gave me a fax number of 305-275-6772. The fax went through fine. However, she told me that it would take 30 days to process the refund, plus another 7-14 days to mail me a paper check. Hmm......they can take money out of my account in a few seconds, but they have to mail me a paper check? Suspicious? I thought so, but I decided to give them a chance.
Today (7-13-03) I was looking at a Tyme slip my fiance had given me from yesterday. The available balance after the transaction was was -$29.14. I became worried and called my bank after I got home from work. That's when I found out that Premium Mega Saver had deducted $99.00 more from my checking account on July 11, 2003. That transaction put my checking account into the negative again, and every transaction and check after that $99.00 debit will cost me $28.00. This has all happened after I got a second cancellation number of PC7777.
I'm really not sure what I hope to accomplish by submitting this report, but I hope I'm on my way to getting my money back, and then some!!!!