Cassie
Lakewood,#2Author of original report
Wed, December 03, 2008
ok so here is how my diligence paid off hopefully it can help someone else: Never got a response from the e-mail i sent to TGU, so i called them as soon as it was in there "business hours" had to call several times before i could speak to a person...finally reached a person...told them i wanted a refund and that i better not be carged again. they said no refund, but i could cancel my "membership"...i said ok... then without putting me on hold for so much as a second, she said ok your membership is cancelled and hung up on me...so i called back, spoke to someone else, and asked if i still had an active membership she said yes, so i told her i wanted to cancel it she said ok its cancelled then i said i wanted a confirmation number so i could prove it was cancelled when they tried to charge me next month, she said they would send a confirmation email. tired of argueing i agreed and hung up. then i proceeded to call my bank and file a dispute, all i had to do was tell them the merchent was not cooperative with refunding my money. they said ok...and out the money back in my account. easiest thing ever! i informed my bank that i had no confirmation of my membership being cancelled and if i was charged again i would be filing another dispute they said that if i had to then they would take care of it and make sure the company took out no more transactions through my account. I believe the biggest issue with this whole scam is time. If you fall into the scam try to get out in the 7 day trial period... if you miss that, make sure you file the dispute with your bank within their time limit (usually 60 days) but the sooner the better. dont let your bank bully you out of your money either, if they say no to your dispute then you need to make sure they give you a legitimate reason, not just "you fell for the scam its your problem now"... I have USAA (the best bank ever in my opinion) which is why i caught the $69.95 charge so early, and why i had no trouble filing my dispute. I wish you all the best of luck and hope i was able to help! (sorry im a terrible typist)