I recently noticed a charge on one of my emergency credit cards from a company called UOL* Juno Online for $9.95. I had no idea who they are or what they did so I called my credit card company and they told me I had to try and take care of it with them first and if I wanted to could file a fraud report to have this investigated.
When I finally got a hold of customer service they kept asking for my credit card number which I was reluctant to give because I felt they should at least be able to show I'm in the system by name, city, state and phone number. After all, they have been charging me $9.95 a month, it should show something. They could not find any information on me so I asked to speak to a supervisor.
He wasn't much help either but, I reluctantly gave him the credit card number, he looked it up and said yes, you have been charged $9.95 a month since July 5, 2008. WHAT! I asked what the name on the account was and he said it just had some ransom letters for the name and address. I asked, they account show any activity and his response was no activity since July 2008.
Okay, here a company has been charging me almost $10 a month for about 10 months. From what I've read there are many many others who are also being charged for something they never signed up for and many have never heard of.
I have 2 credit cards which I only use for smaller purchases, this being one of them and I pay them off every month. I pay the full amount without really looking at the breakdown because I know approximately how much I've spent that month so the $9.95 that was snuck in was easily missed.
I'm sure I'm not the only one who does this because I've read where many have discovered they've been charged for months before they realized what was happening. I don't know why I happened to look at the breakdown this time, but I was shocked to see it.
I'm not sure what my CC company is going to do about this, but here is my big concern. Who is going to stop these people from doing this. Personally, this sounds like an inside job because think about this. They don't have a product they are selling which you can touch or hold. Why would someone who has stolen your CC information choose an IP service and never use it. It doesn't make any sense to me.
The point is, some thing needs to done about this because I have never heard of them, been to their website except while looking into this fraud but some how they got my credit card information. If so many people are complaining and reporting this, why are they still in business?
What is everyone else doing about what has happened to them regarding this situation besides telling their CC company and them to stop charging their card. I'd like to find out how to go after this company and hopefully shut them down for unethical practices. There is something fishy going on and there has to be a way to stop them from doing this to others. Well, I'll post what happens with my CC company and what they plan on doing about it.
North Hollywood, California
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
Author of www.ripoffrevenge.com
PO Box 310, Tempe, Arizona 85280 Click here to read other Rip Off Reports on Juno