need help with a letter..

[Chuck52]

I believe I would press my credit card company for more action if that happened to me. It's now so easy to get a new card, I'd threaten to close my account with them if they didn't at least stop any future payments.

Chuck

[zeuspaul]

If its only ten bucks or so and the credit card company isn't helping I would close the account which will stop new charges. I try to use my AMEX card online as they back up the consumer well in my experience. There are others that offer good consumer support as well...some don't so don't use them.

Zeuspaul

[Bird]

It may be a completely different kind of deal, but it sounds like some of the things I get in the mail; a valid check for various amounts, always less than $10, for being a good customer. And the fine print on the back says that by endorsing and cashing this check, you agree to sign up for some kind of service that will charged to your credit card. I always run them through my shredder but I've wondered how many people fair to notice that fine print and cash those checks.

[Red55]

Free money isn't so free. Also remember the slamming the phone companys were doing same deal sign something and the fine print authorizes transfer. Also stopped filling out those free chances to win something same deal with fine print or at the least you end up a WINNER on someone's mailing list. -Ed

[thatguy]

I do not ever remember getting a 'fake check' or signing up for anything related to this company.. It will be very interesting to see the 'proof', the CC only said it was submitted electronically..

thanks for all the advise. Ill keep you informed as this unfolds..

Brian

[RonMar]

Call your credit card company and report the card on that account stolen, then destroy that(those) cards. This will stop/cancell any future recurring automatic payments linked to that credit card number. The lost/stolen report should also trigger a new card issue request at your credit company and they will automatically send new cards to you with a new number.

If you can refute their so-called "proof", this associated with a police report to your credit card company should ultimately get your money back. You may be asked by your credit card company to provide a notorized statement that you in no way shape or form authorized this expenditure nor did you receive in any way shape or form the services that were billed. They need this from you to back up the re-collection of the money based on a fraudulent claim.

Good luck

[tallyho8]

Originally Posted by RonMar

Call your credit card company and report the card on that account stolen, then destroy that(those) cards. This will stop/cancell any future recurring automatic payments linked to that credit card number. The lost/stolen report should also trigger a new card issue request at your credit company and they will automatically send new cards to you with a new number. If you can refute their so-called "proof", this associated with a police report to your credit card company should ultimately get your money back. You may be asked by your credit card company to provide a notorized statement that you in no way shape or form authorized this expenditure nor did you receive in any way shape or form the services that were billed. They need this from you to back up the re-collection of the money based on a fraudulent claim. Good luck

I disagree. Using fraudulent means to try to recover your money, that may or may not have been obtained by fraudulent methods, is not the way to go.

First, wait for your "proof". This will determine whether or not they used fraudulent methods or whether you made an accidental error by agreeing to it without reading all the fine print somewhere.

All credit card companies usually have the instruments in place for you to receive a refund in the event of fraud. You can not claim your card was stolen with a clear conscience and especially not if you made any legitimate purchases with it after the date of this infraction.

[RonMar]

Originally Posted by tallyho8

I disagree. Using fraudulent means to try to recover your money, that may or may not have been obtained by fraudulent methods, is not the way to go.

First, wait for your "proof". This will determine whether or not they used fraudulent methods or whether you made an accidental error by agreeing to it without reading all the fine print somewhere.

All credit card companies usually have the instruments in place for you to receive a refund in the event of fraud. You can not claim your card was stolen with a clear conscience and especially not if you made any legitimate purchases with it after the date of this infraction.

How is this fradulent? He said he did not authorize this charge, so therfore his credit card information must have been comprimised. Calling and reporting the card lost/stolen(card information stolen...) will halt any further charges on that card. This is a perfectly legitimate thing to do, and is suggested by every card company I have ever had dealings with, if you suspect/as soon as you detect, that your card information is out there and no longer under your control.

Now when the "proof" arrives, you will need to determine if you indeed unintentionally signed up for this service. If so, get it cacelled. This can probably be accomplished over the phone with that service provider. If you owe them any further money, they will bill you for it. If it was a legitimate charge though, you should have received an invoice in some fashion, either as an E-mail or via snail male. I have done quite a lot of business online over the past few years, and I have yet to NOT receive an invoice when I have billed services to my creditcards. Even my autopay activity results in a monthly E-mail reminding me that my card #xxx will be billed for X ammount on a particular date.

If the "proof" is bogus, file a police report and contact your credit card company with this information. But with the card number now invalid, they at least won't be charging any further on your account.

[ultrarunner]

Just say your card has been compromised.

They will immediately cancel the card and issue a new one... the only potential problem will sorting out the legitimate charges you've made this month.

[EddieWalker]

I had the same thing happen to me about 8 years ago. I was new to the internet and signed up for something that I forget what it was. I was joining places like Ebay, Amazon and Yahoo, plus a bunch of other sites. Somewhere along the line, I bought an 800 number. I never did find out from what site is was and didn't know it until the charge showed up on my credit card bill.

I called my credit card company to find out who the charge was from, which they gave me the contact information. I called them several times without being able to get anybody. It would put me on hold and I never had the patience to wait them out. I forget who, but somebody told me that the phone company had some influence over those 800 number charges, so I called them and got somebody to help me out. I told them the number and who was charging me. They called it and got somebody to answer the phone on the first ring. Imagine that?

The phone company verified that I did indeed sign up for that service online at some website, but I forget which one. I admitted to it since that was true, but told them I didn't want the service and wanted to cancel it. The phone company person told them that and it all went away. I lost out on a little money, allot of frustration and learned a lesson.

Good luck, those things are super easy to join without your knowledge, but very dificult to make go away. Luckily for me the one I joined was regulated by the phone company. You might want to find out who regulates the company that is charging you. Government regulatory offices do have allot of power over those they control, and just threatening to call them will get results most of the time. It works great for the phone company, cable tv and the other utilities.

Good luck,
Eddie