• Report: #455961
Complaint Review:

Privacy Matters 123

  • Submitted: Wed, May 27, 2009
  • Updated: Sat, May 30, 2009

  • Reported By:Peculiar Missouri
Privacy Matters 123
membersavings@a.privacymatters123.com Internet U.S.A.

Privacy Matters 123 It should be a prosecutable offense! Illinois Internet *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

*Author of original report: Amazing response from Privacy Matters 123


*Author of original report: Shame on Classmates.com

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After reading some of the other reports I now realize that privacy Matters 123 must have obtained my credit card information from classmates.com also. I was checking my bank statement last night for something else when I notice a charge for $19.95 and after some searching found that this has been happening since January (5 months!)
After calling the number on my statement and cancelling this fraudulant account I request a refund of the full $99.75 thay have billed me. I was told that the most they could refund was $19.95 and no more.
I NEVER got even ONE credit report and the young man, Zachery, I spoke with told me that I had gotten into this mess when I accepted and $10.00 Rebate. "A $10.00 rebate for what?", I ask. He can't tell me What the H%#@? How is this stuff allowed to happen and how do I get my money back? What do we need to do to stop this kind of thing from happening in the future?

Peculiar, Missouri

EDitor's Suggestions on how to get your money back!


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!


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.


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

Rip-off Report
PO Box 310, Tempe, Arizona 85280

This report was posted on Ripoff Report on 05/27/2009 07:33 PM and is a permanent record located here: http://www.ripoffreport.com/reports/privacy-matters-123/internet/privacy-matters-123-it-should-be-a-prosecutable-offense-illinois-internet-editors-sugge-455961. 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.

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#1 Author of original report

Amazing response from Privacy Matters 123

AUTHOR: Pat c. - (U.S.A.)

I received an almost immediate reply from Privacy Matters 123! They have already refunded to my bank account the first $19.95 that the customer service rep. originally told me I would get. Then I get an e-mail telling me that the balance, $79.80, will be refunded to my account. Needless to say, I'm very happy with the outcome so far and will update again when the promised funds have been received.

I thank this website for this quick and happy end to this matter. I have a feeling that it may not have ended as well without "RIPOFF REPORT".

As for the "rebuttaler", if you'll notice, I'm not the first person that got caught in this scam. And yes it is a scam as the terms and conditions were NOT made clear, nor was the fact that we were signing up for something made clear. Maybe it was ignorance on our part, but trust me, we are not ignorant people! You must feel very special, since you, apparently, have never made a mistake or been taken advantage of. Good for you!
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#2 Consumer Comment


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

ITS NOT CLASSMATES.COM or any other websites fault when YOU MAKE A CHOICE to click on I AGREE without reading what you are agreeing to.



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#3 Author of original report

Shame on Classmates.com

AUTHOR: Pat c. - (U.S.A.)

Thank you for the information, I will go to my bank tomorrow.
In the mean time, I sent a message to Classmates.com telling them that I was VERY unhappy about their participation in this fraudulent practice and removed my "automatic renewal" and my credit card number from their records.

Thank you again,
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