Complaint Review: Skin Perfection - Riverton Utah

Much to my surprise, I received a trial-sized bottle of SP Lift, by Skin Perfection in the mail. It came in a mailing pouch, with no mention of who oredered it, or how much it cost. I knew that I had not ordered it. I searched the company's name online, and found several accusations of fraud. I called the toll free number, and was immediately asked for my credit card number! I said, "absolutely not". I did give my name and address, since they obviously have that anyway. I didn't hear any comuter keys as I was giving the information, so I doubt that the person on the other end was actually taking down any information. I told him that I am suspecting fraud, and he said that he would see that no further shipments would be sent to me.

I immediately went to my bank statement, and saw a debit for $4.95. The name on the debit was the same as what the shipping label. Apparently, someone had used my debit card for the serum. I was puzzled as to why someone would use my card to have something sent to me, but after reading about how credit card fraud works, I realized that they were "testing the waters"...wanting to see if the transaction went through. While going through my statement, I also saw a charge from FFAO, West Jordan, UT. This was for only $3.99, and was posted the day after the face serum.

I called my bank to cancel my debit card, but later that evening, a debit cleared for $99 from FFAO in West Jordan, UT. I know that I didn't purchase anything from any business by the name of FFAO, and couldn't find anything similar online. My debit card is in my posession, but is used on paypal, and a couple of other reputable sites. It appears that somehow, someone was able to get my debit card number from one of the web sites, and began using it. The card never leaves my house.

I can't prove that Skin Perfection is resposible for the fraudulent charges, but after reading about other complaints by consumers, and seeing that the other charges were also from Utah, I am very suspicious.

I recommend that everyone check their bank statements very carefully. It's easy to pass over a charge for $4 or $5, but it could mean that someone has your credit card number!

Julie

Philadelphia, 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

RipoffReport.com

Author of www.ripoffrevenge.com

Rip-off Report

PO Box 310, Tempe, Arizona 85280