Complaint Review: Healthydiscountcard - Internet

On 2/16/2006 I was charged $59.95 on my Visa for a product I did not order nor receive. On 2/23/2006 I was charged $99.95 for another product not ordered nor received. When I received my Visa statement and saw the charges I immediately notified this company through the 800# listed on my statement. I called on 3/20/2006 and was told what the product was. I told them it was an error and I would like the account to be cancelled and have the funds credited back to my Visa. The lady told me it was a valid charge because they had my credit card # as well as my security code from the back and expiration date. I said that is not hard to get because when one makes a ligimite purchase over the internet or telephone that information is asked and given to complete the sale and as I had said before I did not make the purchase. I was told the account would be cancelled and I would not be charged anymore to the Visa. I have not been charge again. I was told it would take about 20 days to credit my Visa. On 4/5/2006 I called again and repeated the same story stating my account had not been credited as of yet. I was told the account had been cancelled and I would get a refund (once agan in about 20 days). I asked to speak to a supervisor and was told there was none. What could I do but wait. I called again on 5/4/2006 and stated the same requesting my Visa credit. I was told all had been taken care of and I should see the credit in 7 days. I asked the individual what was the address of this company so I could write them. He told me there was no addresss to write to. I then asked where was this company located I was then told it was in the Phillipines. What could I do? Nothing has happened as of yet. I called back today 5/11/2006. I was told this time all had been taken care of again. I don't expect it too. I just want others to be aware of this company and hope this dosn't happen to them. It is a shame one can get your information when you do make a secure purchase and probably sell the information to these foreign companies and there isn't a dang thing we can do about it. I will wait a little longer since no other charges have been made to my Visa. If no results I will cancell my Visa.

Joe

Williamsburg, Virginia
U.S.A.

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

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

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!

DO NOT TAKE NO FOR AN ANSWER!

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.

CHARGES TO YOUR CREDIT CARD

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

[email protected]

badbusinessbureau.com

www.ripoffreport.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

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...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.