ED Magedson – Founder
safecart.com1205 - 4464 Markham Street Victoria, BC V8Z 7X8 Victoria, British Columbia Canada
safecart.com sparktrust pc cleaner Charged PayPal account without permission for "free product" Victoria Internet
This company routinely charges credit and debit cards through PayPal, ususally without permission of the cardholder. I work for a large national bank in the disputes department andI can advise you, if the charge appears on a credit card, especially VISA, to dispute the charge with your issuing bank. They will process against this merchant, and, in doing so, alert their bank of this reprehensible business practice. As someone who works with this kind of issue all day long, imagine my surprise to discover they had done this to me! I do not purchase software and have not used my PayPal account in many, many months--almost a year. I had to do a little research to discover that this was a "free product" that the merchant charged me for--without my knowledge or permission. When a merchant sends the request through PayPal, that entity will not take any responsibility for allowing the charge. In turn, the account, whether credit or debit, will be charged and the merchant is immediately paid. They then have that money in their account for whatever length of time it takes for the customer to make the dispute and win. That is two billing cycles by law. Meanwhile, they have YOUR $19.95 or however much they've charged you, and it is accruing interest and earning them a LOT of money. Just multiply the amount above by millions of transactions and what I am saying will make sense.
Is this a rip-off? You bet! Frustrating and aggravating? For sure! Disputable? YES! Billing errors can be and are disputed and won all the time. This scenario is in that category, as this charge will be for most consumers an unrecognized charge. Do not mistake this for "fraud," as it is not. A fraudulent charge is one in which your account number was used by someone else, (a thief or hacker), without your permission, to make a credit card or debit card purchase. Cases like that are "unauthorized" transactions, and Mastercard and Visa issuing banks will be happy to credit you and replace your card immediately when you let them know of such transactions.
In cases of "unrecognized charges" it is not necessary to close your card number; in fact, doing so may just give these merchants another avenue by which to charge you again. Instead, report the transaction to your bank as an unrecognized charge, and request to have the merchant blocked to prohibit them from charging the card again. Most banks will do this on credit card accounts for no charge. Blocks last approximately 13 months, and can also be removed at the customer's request.
Naturally, I will be disputing this charge with my bank. I recommend, if you are a PayPal user, locating the transactiton in your PayPal account and blocking the merchcant there as well. You may want to close your PayPal account also--that is up to you--as this will definitely keep these people from using your account for these charges again, at least by that means.
I hope this information is helpful to others. Remember: be very, very careful when providing your credit card number to any entity. Such provision gives that entity the ability to charge your card at any time for any thing, without your knowledge. And yes, this is a legal practice, strange as it sounds. Check with your issuing bank for more clarification on these questions.
This report was posted on Ripoff Report on 02/13/2014 10:13 AM and is a permanent record located here: http://www.ripoffreport.com/reports/safecartcom/victoria-british-columbia-v8z-7x8/safecartcom-sparktrust-pc-cleaner-charged-paypal-account-without-permission-for-free-pro-1123314. 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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