In July of 2006, I was reviewing a credit card statement and noticed a charge of $11.99 for TLG*PRIVGRD53563553JUN 800-374-8273 CT. I also had a charge of $19.95 for AP9*ATHOMEREWARDS(Other). I did not recognize either of these companies and knew that the transactions had not been authorized.
I researched each of these and was able to contact At Home Rewards, which is linked to dealpass.com. They provided my membership number to me and I was able to email them regarding the charges. In their response to me, they stated I was offered and agreed to join during a call from a telemarketing firm. (This was not correct.) They went on to say they were sorry I wished to discontinue my membership and cancelled it as of 7/24/2006. They also credited my credit card for all the transactions.
The research on TLG*PRIVGRD was tedious and the only thing I could find on the internet about them was linked to ALGinfo@affiniongroup.com. I sent an email to this email address explaining I had began receiving charges from them on 1/19/2006 in the amount of $11.99. I went on to say that the charges were never authorized and requested full reimbursement. I track "receipt" and "read" for all my emails. The activity I received on this email was it was "deleted without being read on Thu, 20 Jul 2006 14:20:15 -400". In other words, they deleted the email and never read it.
These charges from TLG*PRIVGRD have continued since 1/19/2006. I have had a lot going on this year (several family tragedies. I finally sat down to get all the "odds and ends" that have accumulated resolved. I happened upon your site and other entries of complaints about TLG. I am somewhat at a loss in handling these charges but have been billed $11.99 a month since 1/19/2006. This is a total of $107.91 and the charges continue.
I will contact my credit card company but have no idea how to contact TLG. Your help and suggestions would be appreciated. I also want to know how to avoid this situation in the future.
Stone Mountain, Georgia
U.S.A. 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.