need help with a letter..

[thatguy]

My credit card is being charged monthly by MNICreditReport.com for service I have not signed up for.. I disputed the charges with the CC but the MNICreditReport.com provided them 'proof' that I actually signed up for their services and the CC reinstalled the charges..

The CC is going to mail me the 'proof' they were sent and advised me to contact them to have the charges stopped.. As of right now I do not have an account number or anything to reference - except name, dob, cc #, etc and I dont want to give them that info..

I want to write MNICreditReport.com a stern letter saying cancel the services I supposedely signed up and (hopefully) refund my money. I NEED suggestions for some good strong verbage to use in my letter (ie cease and desist , etc etc) to get my point across. Got any?

Would it do any good to ask for the IP address used to sign up for their services?

Any other suggestions?

Brian

[WTA]

A lot of these companies get your information through things you sign up for on line. Like signing up for some forum like this one just for example. This one in particular doesn't do it though.

When you click through the user agreement without actually reading through it and click to agree they got you.

My suggestion if you really feel that you were scammed and being charged for something that you did not ask for and receiving noting in return for is to go file a police report and then take that back to your credit card company. Do this after you tell the company charging your card to stop in writing. They are required by law to give you their mailing address if they are zapping your card. If they don't then that is a violation of law. Also if you did not physicaly sign something authorizing the charge you can get your money back. I don't like giving that info out because I had a scam artist last year that was ticked off at me for exposing him, convince a bunch of my other customers that I was going bankrupt and that they were not going to receive what they paid me for. It was totaly false but many of them charged back their purchases on me believing it and used the excuse that they didn't authorize the charge with a signature. Most credit card companies buy that one for online purchases. It almost ruined us.

If you are really being scammed though file a police report. It's what I did when someone in Canada bought 1200 dollars worth of gas on my debit card last christmas. I know how they got my card number now and I can't do anything about him but the police report made the credit card company get off their butt and take care of it.

[turbo36]

Did you sign up for one of those "free credit report" offers ? If so that may be what the charge is for, most of them give you a "free" 30 day trial that you have to cancel within the first 30 days or you will be charge a monthly subscription fee until you do cancel.

[blueriver]

I think just a simple letter. "Please discontinue my service's and cancell any reacuring charges"

Good Luck!

[ultrarunner]

I find that paying extra for "Proof of Mailing" from the Post Office is money well spent when sending a letter like this.

[MikePA]

Originally Posted by WTA

A lot of these companies get your information through things you sign up for on line. Like signing up for some forum like this one just for example. This one in particular doesn't do it though.

Huh? Since when can web sites sell your credit card number?

[thatguy]

Originally Posted by turbo36

Did you sign up for one of those "free credit report" offers ? If so that may be what the charge is for, most of them give you a "free" 30 day trial that you have to cancel within the first 30 days or you will be charge a monthly subscription fee until you do cancel.

I had no contact with them in any way shape or form in the past.. I even went back through all the CC charges since Oct (first charge was 11/5) to see if I could spot any place we used the card that may have given them the info and couldnt find anything out of line with normal charges..

I am hoping the 'proof' they sent the CC will give me some details about how i was signed up (name/address/IP address etc) ..

thanks for the suggestions.. I will send the letter 'return receipt requested' and a regular envelope as well just in case they wont pick up the mail..

I thought mailing them would be a better way than calling, just to have it as proof..

Should I mention filing a police report in my letter? or hold that until they dont stop charging me?

thanks

Brian

[tallyho8]

First, you can't do anything until you have received the "proof". Then, depending on what the proof is, will determine what you can do. It could be something as simple as checking a box, or not unchecking a box, on your credit card payment statement that authorized this charge. If you find out that you did accidently authorize it, you will not get a refund of past charges. But in any case, you can cancel your contract with MNICreditReport.com and incur no more future charges.

By the way, MNICreditReport.com is not a "real" web site.

[ultrarunner]

In my city it is the District Attorney's office and the Postal Inspector for Mail Fraud...

I would mention it... at least they know you're not going away...

[blueriver]

Originally Posted by tallyho8

First, you can't do anything until you have received the "proof". Then, depending on what the proof is, will determine what you can do. It could be something as simple as checking a box, or not unchecking a box, on your credit card payment statement that authorized this charge. If you find out that you did accidently authorize it, you will not get a refund of past charges. But in any case, you can cancel your contract with MNICreditReport.com and incur no more future charges.

By the way, MNICreditReport.com is not a "real" web site.

I found this copied and pasted:

I went to MNI Credit Report Services to check my credit report. I agreed to have my credit checked by this company.The next thing I know my credit card is be charged for $11.95 for something I did not agree to.
They claim they cannot refund my money.

Rip-off Report: MNI Credit Report Service Credit Report SCAM Internet