My husband and I signed up for $9.95 for a one-time search using our Capital One credit card. After 15 minutes we received an e-mail stating it would take 48 hours to find the information. Upon receipt of the e-mail we immediately canceled and gave it no further thought since we got a confirmation of the cancellation. This was July 2007. On our Capital One statement a charge of $4.95 and another of $39.95 showed up so we notified them and gave them what little information we had (no phone numbers or names) and the cancellation e-mail. We filed a dispute and during the 60 day period, each month the charges appeared with different client numbers. Again we contacted Capital One and was advised they would remove the charges and no longer process any future charges.
Finally, in November 2007 we thought it was over until we got our Capital One statement, not only were the charges put back on that had been removed, but (2) new charges for $39.95 and (2) for $4.95 and an overlimit fee of $39.00 by Capital One! They had re-billed all of the unauthorized charges on one statement which put the card over the limit by a few dollars. Of course this was immediately after Capital One had made changes to the previous billing cycle and increased the late fees and the overlimit fees. What a coincidence! We had to wonder if Razoreye Media and Capital One were a "couple"!
We were given new cards with different numbers, alerted the fraud department at Capital One and we are still getting billed and continue to send a cancellation to Razoreye 2 or 3 times per week with only a response stating that the e-mail was received. We told Capital One we wanted to pay off the account and close it out only to find out that it had to remain at a $0 balance for 60 days with no charges made! How did they get the new card number and why does Capital One continue authorizing the charges? We will continue to dispute Razoreye Media and Capital One no matter how long it takes. I don't get it, is there somewhere that gives out a license to steal and if so, what test do you need to pass to get one!
One more request to Razoreye Media aka Web Detective, whatever you may say in a rebuttal will not be anything that hasn't been said or heard to the victims of your organization many, many times. If you do respond, please include a phone number as well as a physical address - please!
Sickntired
York County, Pennsylvania
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.
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...by consumers, for consumersCLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.