I made a purchase with 1800flowers.com to send my mom flowers on mothers day. I would receive emails from 1800flowers about rebates and discounts which i used to purchase a gift for my father for fathers day, for 10 or 15% off my order. Now it's august 8th and i see a charge on my banking statement from TLG*LiveWell for $38.99 a charge i did not authorized. I searched the net on the company to find out more info about who and what it is and came across lots of complaints against the company dealing with the same situation i am in, with connection with 1-800flowers.com. I called my bank to get clarification they were able to connect me with LiveWell and they pretty much said that when i accepted the 10% off that i also accepted a Free trail from them and that the trail is now over and the membership is now being charged to my account. I have never once received any info from live well what so ever, nor did i see anything about live well when i used the code from the % off on my order with 1-800flowers. I received a email from 1-800flowers saying that they will give me 15% off my order if i used it by such and such date, nothing about signing up with livewell for a membership. I had to sit there on the phone arguing with the representative from livewell that i did not authorized this charge nor did i ever accept a membership thru them and that i have never received any information about this "membership" that i agreed to have. I'm a student in college away from home, and i thought it would be nice to send my parents a gift to show my appreciating considering i only see them 3x a year. LiveWell did agree to rein-burst me from the membership fee but refused to rein-burst me for the overdraft charge to my account when they took the $38.99 unauthorized charge to my account. I am sure living Well now!
New York, New York
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
Author of www.ripoffrevenge.com
PO Box 310, Tempe, Arizona 85280