• Report: #127406
Complaint Review:


  • Submitted: Fri, January 14, 2005
  • Updated: Wed, February 02, 2005

  • Reported By:Beaverton Oregon
731 Market Street ,Suite 500 San Francisco, California U.S.A.

Snapfish Ripoff Fraud Shared my CreditCard info with AP9 Galleria with out my Knowledge San Francisco California *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE Employee: your membership has been canceled and you were fully refunded

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This is online photo print provider is running much more that a business of just printing your photographs. It is running a big scam, of giving your Credit Card and address information to third parties without your knowledge.

On the 27th of Nov, 2004. I ordered some photo prints from Snapfish.com. I used my credit card to make the payments and eventually got my photo's on time. Recently when I was checking my credit card statement I saw that I had been billed for 9.95$ from a company called AP9 Galleria, CT USA on the 27th of Dec. I distinctly remembered not using my credit cards since I was traveling outside the country. When I called the people of AP9 to dispute the charge, they told me that they were a discount chain and that I had been in rolled onto their program from a pop up on Snapfish.com.

Now I have a pop-up blocker installed on my computer and there was not way in this world that I would enroll in a discount chain program!! Obviously there was something more fishy to this story.

When I called Snapfish at their customer help desk, this girl tells me that I was not the first one to complain about this and although she knew about this fraud that Snapfish had been running, she could not really do much about it. I was aghast when she told me that even if I didn't clicked anything, then also Snapfish would enroll my to a monthly program of some 3rd party, without my info. This program would be free for the first month and then they would start billing me. All the while I would NOT know who is 3rd party is until my credit card statement shows up.

It is really hard to believe that some on can run a scam of this organized fashion in which two companies are involved in Ripping off the consumer.

I definitely plan to make myself heard to whatever platform necessary to stop these people from robbing the consumer.


Beaverton, Oregon

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, Rip-off Report.com & Author of www.ripoffrevenge.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.

This report was posted on Ripoff Report on 01/14/2005 03:33 PM and is a permanent record located here: http://www.ripoffreport.com/reports/snapfish/san-francisco-california-94103/snapfish-ripoff-fraud-shared-my-creditcard-info-with-ap9-galleria-with-out-my-knowledge-sa-127406. 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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Updates & Rebuttals

#1 UPDATE Employee

your membership has been canceled and you were fully refunded

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

Dear Mayank,

It is our mission to make sure that your experience with our program is satisfying.
We were able to locate a membership for you in our Galleria program. According to our records, you enrolled in this savings-oriented membership via the Internet.

Our records reflect that the sale was valid. In order to enroll in the program, you were required to complete an online order form and provide your personal information, including your name, address and credit card number. Without providing such information, you would not have been enrolled in the program. Although you called and canceled your Galleria membership, you never complained to us that you had been charged for the program without your consent.
Despite your valid enrollment in the Galleria program, however, your membership has been canceled and you were fully refunded. If you have any questions or if we can be of any further service, please call our Member Services Department at 1-888-584-5025. Thank you.
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