• Report: #172916

Complaint Review: Webcapades

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  • Submitted: Mon, January 23, 2006
  • Updated: Fri, September 18, 2009

  • Reported By:Congers New York
Webcapades
www.eroticy.com Palm Harbor, Florida U.S.A.

Webcapades - eroticy ripoff refuse to stop billing debit card Palm Harbor Florida *EDitor's Suggestions on how to get your money back into your bank account!

* : a note about Eroticy

*Consumer Comment: Read the Member Terms & Conditions if you fall for Webcapades!

*Consumer Comment: Read the Member Terms & Conditions if you fall for Webcapades!

*Consumer Comment: Read the Member Terms & Conditions if you fall for Webcapades!

*Consumer Comment: Read the Member Terms & Conditions if you fall for Webcapades!

*Author of original report: Thanx, already took action

*Author of original report: Thanx, already took action

*Author of original report: Thanx, already took action

*Consumer Suggestion: Eroticy resorts to dubious debt collectors now?

*Author of original report: More developments

*Author of original report: New Developments

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I was a member of eroticy.com last summer and I cancelled my membership in October. Recently, I realized that the bas**rds were still billing my debit card. I sent them another e-mail and gave them a phone call. Sure enough, they hadn't recieved my e-mail. I don't expect them to cancel however from what I've heard about them I'm afraid to cancel my account for fear of a lawsuit that I can't afford.

I'm going to file a report with the Better Business Beaureu. If anybody has any other advice, I'm willing to hear it.

Mike
Congers, New York
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
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.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.

STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, it's paid for!

This report was posted on Ripoff Report on 01/23/2006 02:20 PM and is a permanent record located here: http://www.ripoffreport.com/r/Webcapades/Palm-Harbor-Florida/Webcapades-eroticy-ripoff-refuse-to-stop-billing-debit-card-Palm-Harbor-Florida-EDitor-172916. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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0Author 11Consumer 0Employee/Owner
Updates & Rebuttals

#1

a note about Eroticy

AUTHOR: Doug - (Canada)

I would like to add something to this report in regards to Eroticy and their stuff. 


I was a member of eroticy up until about March 2009 when I quit there.  Its interesting to note that while I was using a Debit/Mastercard since I quit eroticy, they have NOT charged my card since. 


And I do not work for Eroticy, I am a security guard

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#2 Consumer Comment

Read the Member Terms & Conditions if you fall for Webcapades!

AUTHOR: Dpe - (U.S.A.)

I fell for this so called "trap" of Eroticy.com and then ironically found this website after I had signed up for a Silver Membership. I sent emails immediately to the emails listed for cancellation but noticed very quickly that there were 3 different emails required for cancellation everywhere on the site. Eroticy did not list the same email address on the Terms & Conditions, Privacy or Acceptable Use contracts on their site. Nor were the email addresses consistent across the "Contact" and "Help" links.

At one point in the Terms & Conditions, they even mention a link on the "right hand side of the navigation screen on each profile" that enables you to cancel and update billing information. Needless to say, this does not exist anywhere on the site or on each profile.

Here is how I received email confirmation from Eroticy that my membership and all future billing had been canceled:

1.) Save or Print the Member Terms & Conditions and READ THEM.
2.) Under section 12 of the Terms & Conditions there is a 3-day Cancellation Period that can be exercised by writing a signed and dated letter stating you terminate your agreement without further obligation. I sent one of these express mail with confirmation receipts to the address listed. This ensures you make it under the required 3 business day period. You can also email a copy of it to all email addresses listed under "Contact", within the time period.
3.) SAVE ALL COPIES OF YOUR CORRESPONDENCE and keep calling the service number listed and emailing until they give you the confirmation.


I now have written email proof that my credit card and membership has been canceled. If they bill me in the future, I have all the evidence I need.

READ THE TERMS AND CONDITIONS FOR EVERYTHING YOU DO!!!
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#3 Consumer Comment

Read the Member Terms & Conditions if you fall for Webcapades!

AUTHOR: Dpe - (U.S.A.)

I fell for this so called "trap" of Eroticy.com and then ironically found this website after I had signed up for a Silver Membership. I sent emails immediately to the emails listed for cancellation but noticed very quickly that there were 3 different emails required for cancellation everywhere on the site. Eroticy did not list the same email address on the Terms & Conditions, Privacy or Acceptable Use contracts on their site. Nor were the email addresses consistent across the "Contact" and "Help" links.

At one point in the Terms & Conditions, they even mention a link on the "right hand side of the navigation screen on each profile" that enables you to cancel and update billing information. Needless to say, this does not exist anywhere on the site or on each profile.

Here is how I received email confirmation from Eroticy that my membership and all future billing had been canceled:

1.) Save or Print the Member Terms & Conditions and READ THEM.
2.) Under section 12 of the Terms & Conditions there is a 3-day Cancellation Period that can be exercised by writing a signed and dated letter stating you terminate your agreement without further obligation. I sent one of these express mail with confirmation receipts to the address listed. This ensures you make it under the required 3 business day period. You can also email a copy of it to all email addresses listed under "Contact", within the time period.
3.) SAVE ALL COPIES OF YOUR CORRESPONDENCE and keep calling the service number listed and emailing until they give you the confirmation.


I now have written email proof that my credit card and membership has been canceled. If they bill me in the future, I have all the evidence I need.

READ THE TERMS AND CONDITIONS FOR EVERYTHING YOU DO!!!
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#4 Consumer Comment

Read the Member Terms & Conditions if you fall for Webcapades!

AUTHOR: Dpe - (U.S.A.)

I fell for this so called "trap" of Eroticy.com and then ironically found this website after I had signed up for a Silver Membership. I sent emails immediately to the emails listed for cancellation but noticed very quickly that there were 3 different emails required for cancellation everywhere on the site. Eroticy did not list the same email address on the Terms & Conditions, Privacy or Acceptable Use contracts on their site. Nor were the email addresses consistent across the "Contact" and "Help" links.

At one point in the Terms & Conditions, they even mention a link on the "right hand side of the navigation screen on each profile" that enables you to cancel and update billing information. Needless to say, this does not exist anywhere on the site or on each profile.

Here is how I received email confirmation from Eroticy that my membership and all future billing had been canceled:

1.) Save or Print the Member Terms & Conditions and READ THEM.
2.) Under section 12 of the Terms & Conditions there is a 3-day Cancellation Period that can be exercised by writing a signed and dated letter stating you terminate your agreement without further obligation. I sent one of these express mail with confirmation receipts to the address listed. This ensures you make it under the required 3 business day period. You can also email a copy of it to all email addresses listed under "Contact", within the time period.
3.) SAVE ALL COPIES OF YOUR CORRESPONDENCE and keep calling the service number listed and emailing until they give you the confirmation.


I now have written email proof that my credit card and membership has been canceled. If they bill me in the future, I have all the evidence I need.

READ THE TERMS AND CONDITIONS FOR EVERYTHING YOU DO!!!
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#5 Consumer Comment

Read the Member Terms & Conditions if you fall for Webcapades!

AUTHOR: Dpe - (U.S.A.)

I fell for this so called "trap" of Eroticy.com and then ironically found this website after I had signed up for a Silver Membership. I sent emails immediately to the emails listed for cancellation but noticed very quickly that there were 3 different emails required for cancellation everywhere on the site. Eroticy did not list the same email address on the Terms & Conditions, Privacy or Acceptable Use contracts on their site. Nor were the email addresses consistent across the "Contact" and "Help" links.

At one point in the Terms & Conditions, they even mention a link on the "right hand side of the navigation screen on each profile" that enables you to cancel and update billing information. Needless to say, this does not exist anywhere on the site or on each profile.

Here is how I received email confirmation from Eroticy that my membership and all future billing had been canceled:

1.) Save or Print the Member Terms & Conditions and READ THEM.
2.) Under section 12 of the Terms & Conditions there is a 3-day Cancellation Period that can be exercised by writing a signed and dated letter stating you terminate your agreement without further obligation. I sent one of these express mail with confirmation receipts to the address listed. This ensures you make it under the required 3 business day period. You can also email a copy of it to all email addresses listed under "Contact", within the time period.
3.) SAVE ALL COPIES OF YOUR CORRESPONDENCE and keep calling the service number listed and emailing until they give you the confirmation.


I now have written email proof that my credit card and membership has been canceled. If they bill me in the future, I have all the evidence I need.

READ THE TERMS AND CONDITIONS FOR EVERYTHING YOU DO!!!
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#6 Author of original report

Thanx, already took action

AUTHOR: Mike - (U.S.A.)

Thanks for the advice. I read about the FDCPA on Wikipedia. Since I don't really have enough evidence to dispute this I sent them a certified letter asking for an invoice and proof that I owe the money. I also sent a similar letter to webcapades. They got both. I have copies as well as the delivery receipts filed away. I haven't heard from either since.
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#7 Author of original report

Thanx, already took action

AUTHOR: Mike - (U.S.A.)

Thanks for the advice. I read about the FDCPA on Wikipedia. Since I don't really have enough evidence to dispute this I sent them a certified letter asking for an invoice and proof that I owe the money. I also sent a similar letter to webcapades. They got both. I have copies as well as the delivery receipts filed away. I haven't heard from either since.
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#8 Author of original report

Thanx, already took action

AUTHOR: Mike - (U.S.A.)

Thanks for the advice. I read about the FDCPA on Wikipedia. Since I don't really have enough evidence to dispute this I sent them a certified letter asking for an invoice and proof that I owe the money. I also sent a similar letter to webcapades. They got both. I have copies as well as the delivery receipts filed away. I haven't heard from either since.
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#9 Consumer Suggestion

Eroticy resorts to dubious debt collectors now?

AUTHOR: NSpectr3 - (U.S.A.)

Sounds like classic junk debt collection tactics to me, no doubt from another guttersniping quasi-legal boiler room. I hope my response is not too late, but it certainly applies broadly to cases like this.

Your first stop is a review of the Fair Debt Collection Practices Act. This is Federal law which keeps shady debt buyers off your back and out of your wallet. A couple of starter links are posted below.

Next, don't let these clowns get you unnerved. Often a junk debt buyer has very little to work from beyond your contact data. They take whatever figure was in the last known balance, calculate some arbitrary interest, and inflate the amount to whatever is suitable to scare coins from your pants. They may even make seemingly generous "discount" offers, which are also arbitrary given that such debt is purchased for pennies on the dollar. The worst firms hire inarticulate bullies to conduct their shakedowns and are simply not worth your time.

Don't take their calls and don't be nice enough to return any. Matter of fact, there is nothing they can do until they send you a notice on real paper with a real letterhead declaring their debt claim, and in language in keeping with FDCPA provisions. Hounding you strictly by phone with an empty $25k threat sounds exactly like those stupid emails which have been reported thoroughly on ROR. The burden of proof is on the collector, not you, to show that you owe some disputed amount. This is called "validation", and just saying "You owe us" isn't nearly good enough.

In your place I would sit tight and quiet, no matter how annoying they become, and under no circumstances make any settlement payments, especially if your old debt was already cancelled. I doubt they will send a letter as required, but if this happens you must swiftly reply in kind with your new best friend, USPS Certified Mail with Receipt card. That's when you dispute the debt, request validation, and invoke a "cease comm" until they provide it. By FDCPA rules, the junk debt buyer then must put up or shut up.

The similarity of your story to that of the past email shakedowns is too close to ignore, and may suggest this "Rapid Recovery" outfit is a front for Webcapades, or at least sharing the profits. This would mean the most insidious extortion attempt yet, since under a normal debt charge-off the Original Creditor never sees a dime once the debt is sold. Luck be with you.


http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.fair-debt-collection.com/most-asked-questions.html
http://www.cardreport.com/credit-problems/collection-faq.html
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#10 Author of original report

More developments

AUTHOR: Mike - (U.S.A.)

Rapid Recovery Solutions is apparently a legitimate collections agency. I called them and it turns out they're trying to charge me for the months I was a member. I already paid that money! The proof that I did is in my banking statements. It also doesn't amount to $500, only $150. I'm not sure what else to do. I'm tempted to send the collection agency my bank statements as proof that I've already paid the money. I could also get a lawyer, but it might be cheaper just to pay the money anyway. If anybody has any suggestions I'm willing to hear them.
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#11 Author of original report

New Developments

AUTHOR: Mike - (U.S.A.)

I just recieved a phone call today from "Rapid Recovery Services". They claimed I owe eroticy $500 and if I don't pay they'll sue me for $25,000. When I looked up the number they called me from (1-866-925-3053) on yellowpages.com, nothing came up. This is the first I've heard from the company in over two years. They didn't send me e-mails or invoices or anything. I just recieve a phone call out of the blue from somebody who can hardly speak English.

I'm not really sure what to do. Unfortunately I don't have the original e-mails I sent to them anymore. However I dealt with my bank, filled out those regulation E forms, and got my money back in 2006. They should have a record of their findings. I also got a new debit card. In addition to that, I filed a report with the Better Business Bureau for all the good it did. My dad says I shouldn't worry much becuase of how long it's been since I cancelled my account and got my new debit card and also becuase they haven't been sending me invoices or anything like that. I'm considering going to a lawyer.
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