I noticed the other day that there had been two separate charges, two days apart for the exact same amount of 27.95. I didn't recognize the company description as anything I would have recently purchased, especially in equal values as they were. I typed into google AP9 Connections which was the company description on my account and saw an article saying that the company was a scam.
I called my bank and was given the telephone number associated with the charging company. When I called the 800 number there was a recording that asked for either a member ID, telephone number, or the Credit Card number that had been charged(Yeah right I'm gonna give them anything, especially the card number).
I didn't do any of the three and soon an operator answered. To my surprise she answered the phone saying, "Hello Mr. ____" using my last name, which I had not given. I was immediately taken aback by her knowing who I was. They probably had my phone number on file and could connect the dots, even though I had never given such info.
I said I had been charged twice for something I didn't purchase, didn't even know what the company was or what they did, and I wanted my money back. Without hesitation she said they would refund the second charge but that I'd have to speak with her supervisor for the second.
Her supervisor answered and quickly consented to give back the first charge also. After seeing that the company was a scam online, I was kind of surprised at how easily they had returned my money, but at the same time thought that quickly consenting may be their way to avoid angry customers that tell fraud agencies.
I thought I was done and then my dad told me to call back and get a confirmation number saying that it would actually be refunded. That's when it got interesting.
I called back and the same automated system answered asking for info. After I waited without giving any, a man answered the phone. I asked for a confirmation number and was told that none are given. I asked how I was ever charged in the first place and he said I had clicked a banner ad and entered my credit card info for a free trial that ended and caused charges to begin. (Anybody who enters in credit card numbers on random banner ads probably deserves money stolen from their account. I didn't nor ever would).
I told him that was impossible and out of curiosity asked when the free trial had ended and I had begun being charged. Get this, It had been since 2005 until now March 2009. (As a side note I should have been paying attention to my account closer, but I had seen the company's charges before, but they always differed my a few bucks and I figured it was gas charges.)
I was mad! I told him that I wanted all four years worth of charges put back in my account NOW! He passed me to his supervisor. She told me that I was owed NOTHING due to the terms and conditions (that don't exist). She said I was being refunded the other two amounts because of special circumstances.
That's when I lost it and told her that I knew her company was a scam. I told her that I wanted it back or I would speak with VISA and make sure it happened. She immediately changed her tone and said, "Due to special circumstances I am going to be able to refund your money". I asked, "All four years"? and she responded in the affirmative. (It's funny how people running a dirty business will agree to give money back to avoid being found out and stopped)
So when all was said and done I ended up with almost $1,000 back in my account. The funny thing is that there were only 43 months that they could have charged me based on the address they had on file for me. I was refunded 55 charges which means that double charged a few times to see if I'd notice.
To justify my not noticing before now, they changed the amount they charged frequently and erratically as to not be caught. When they made the mistake and charged the same amount twice is when I caught it.
So look out for them! And threaten them, it worked for me. They're dirty. I called the VISA fraud department and notified them, but I'm amazed nothing more has happened to them.