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Report: #135185


  • Submitted: Wed, March 16, 2005
  • Updated: Thu, August 24, 2006
  • Reported By: Sarasota Florida
    7400 Gaylord Parkway Frisco,TX 75034

CAREINGTON INTERNATIONAL CORPORATION ripoff Used my debit card without my consent to automatically renew policy I did not know was going to renew. Frisco, Texas Internet *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE Employee: Rebuttal to Judy

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I checked my bank account and found that CAREINGTON used my debit card to write themselves $79.00 to automatically renew my dental plan. I called CARINGTON and they told me they mailed me a letter (I have never received it) and if I did not respond to the letter (I never received) within 45 days, they would automatically renew my plan and automatically use my debit card to pay for the renewal.

Had I not checked my bank account, I would not have known about this, and if I did not have sufficient funds in my account, I would have to pay overdraft charges.
I did not realize it was time for renewal, and have never received the so called Notice of Renewal that they say they mailed. They told me to email them to Cancel My Policy and To request Refund. I did that, to find they send that request to their REFUND COMMITTEE, this takes 30-45 days, they will either refund my money or decline and send me a letter.

No one can talk to the Refund Committee, they do not reply to my email, and I am to just sit back and wait, while they decide if they are going to honor my request.
I had no idea this was an automatic renewal, nor did I know a company could use my debit card without my consent.

Bradenton, Florida
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 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 & Author of

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 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 03/16/2005 05:05 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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Updates & Rebuttals


#1 UPDATE Employee

Rebuttal to Judy

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

This rebuttal is sent in response to the complaint filed by someone named "Judy". Unfortunately, we do not have any way of accessing her database file based solely upon the first name of "Judy" and Bradenton, Florida. It would be very helpful to know more information so that we could access her membership record and see exactly what has taken place.

From the dollar amount that "Judy" mentions it appears that her membership would have been obtained through her affiliation with a group called H2U or possibly Senior Friends. $79.00 for an annual membership is their special discounted price.

The majority of our members through H2U or Senior Friends became members through a direct marketing piece that was sent to them with the express permission of H2U and Senior Friends.

The enrollment materials clearly state that the program will automatically renew each year until such time the member submits a written request to cancel. CAREINGTON International Corporaion will always cancel a membership in compliance with a member's written request. In the event that the member canceled their program within 30 days of the renewal they are eligible for a full refund. If they cancel after the 30 days following the renewal then a pro-rated refund would be applicable.

CAREINGTON International Corporation always mails renewal advisory notices to members 30 days prior to the renewal date. Unless "Judy" moved and failed to provide a change of address, she should have received her renewal advisory. We suppose it is possible that the United States Post Office may have failed to deliver the letter; however, a renewal advisory would most definitely have been mailed to the address of record.

If "Judy" would like to contact me personally I will be happy to investigate her situation. I can be reached toll-free at 800-441-0380, extension 2300. My name is Sue Sunstrum (formerly Pentecost) and I am the Director of Member Services here at CAREINGTON International. Thank you for the opportunity to respond to this complaint. CAREINGTON International looks forward to addressing this consumer's need provided she contacts us and assists us with determing who she is.


Sue Sunstrum
Director of Member Services
CAREINGTON International Corporation
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