IQ Derma - Pay Pal Fraudulent activity, false advertising, false sense of security. Internet *EDitor's Suggestions on how to get your money back into your bank account!

Pay Pal (www.paypal.com) recently began advertising a service. It sounded good, because you can use their account by being issued a MasterCard that, according to them, could only be used one time. The actual charges are applied to your Pay Pal credit account, but merchants see a Master Charge card complete with account number, which was advertised as only being able to be billed one time, a security code, and an expiration date.

I ordered a free gift from IQ Derma and paid through the Pay Pal/MasterCard service. With that, I ordered and paid for some eye cream. I received, along with my order, some merchandise I had not ordered. I was told that payment for this merchandise would launch a subscription to receive their product every two months. The bill every two months was over $95.00.

I did not respond to IQ Derma because I believed that they would not be able to charge my credit card again. I am in the practice of keeping all products sent to me without my requesting them and not paying for them. Returning products or paying for them always results in not being able to get rid of them, so I never return anything I didn't order and I never pay.

IQ Derma billed PayPal. They put the charges through as a subscription, and Pay Pal paid the charges. I was not aware of this until two months later, when I received another shipment of the products from IQ Derma with another invoice stating that the charges had been paid by PayPal.

In addition to the fact that they used the MasterCard more than once, they also used it after it had expired. This was worse than actually using my own credit card, because at least when a credit card expires it can't continually be used after that.

I contacted the merchant, who would only cancel my subscription and refused to refund the money.

I then contacted PayPal and told them that they put through charges on a credit card that was only supposed to be used once, thereby signing me up for a subscription I did not want. They told me my only recourse was to dispute the charges with the merchant.

I hold PayPal and IQ Derma equally responsible. I used the service offered by PayPal with a false sense of security believing that no one could get hold of a credit card and bill it without my consent. This was FALSE ADVERTISING on their part, and they would not accept any of the responsibility for what happened.

I would never have ordered from a site like IQ Derma without feeling that sense of security that they could only bill the card ONE TIME. I am aware of the practices of some of these companies and would never have opened myself up for this practice if I did not believe I was protected by the service PayPal advertised and sold me.

Betrayed
Boca Raton, Florida
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!

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