Puck
Columbus,#2UPDATE Employee
Tue, April 23, 2013
Affinion Group does not plan the marketing of the products. The shady marketing techniques are the result of the banks. That being said, NO memberships are started without a voice recording or signature agreeing to the membership. The truth of the matter is simple, people join these programs to try and get something free. A great example is the "free" credit report being advertised by Wells Fargo right now!
1. When the person gets to the bank they are told it's actually $1, they don't mind.
2. The bankers neglect to tell them they are now enrolled in a service costing between 12.99-15.99 a month.
3. The person sees the charge and we get the call.
That's what happens! Now just as a point of reference, when we enroll someone in the same service we are required to tell them a total of 6 times that they will be billed and get their agreement!
As for refunds in the membership kits it lists whether there is a refund available. People need to ask more questions and actually read the paperwork.
That's The Truth
Joe
Columbus,#3UPDATE EX-employee responds
Thu, April 04, 2013
A few tips coming from a former employee..
If you never authorized the charge to begin with, don't even bother calling Affnion to dispute - it will be used against you in the long run.
If the bank that issued your card insists that you contact the merchant first, follow up in writing to the bank explaining that its an un-authorized/fraud transaction. File a police report and include that police report with your written correspondence with the bank.
The banks partner with affinion, and want to avoid having to do the chargeback, and also want to avoid having to stop the billing - so they will try to treat your complaint as a merchant dispute rather than an unautherized charge. Typically the way Affinion gets your billing info is that the bank sells it to them.. Don't let them get away with it.
If you absolutely must contact Affinion, do it in writing, certified, with return receipt.
Finally, if you are ever a victim of Affinion group, once you have your money back, vote with your wallet by switching banks.
My $0.02