Are these questionable charges on your credit card?
Here’s a quick listing of the credit card charges customers have complained about in the first half of 2012. questionable charges.
Do any of these appear to be on the credit cards you have? Learn more about why you should go through your statements and look them up. questionable charges.
There’s always a flow of innovative and creative methods for consumers who are frustrated to connect online, share their experiences, and gain satisfaction.
One of the most intriguing is BillGuard.com, which can do the credit card the same thing an email filter does for your email. questionable charges.
Users sign for an account and then let BillGuard look over their accounts for suspicious charges or billing mistakes or other unexpected charges.
The company asks the consumer whether they would like to mark the transaction as suspicious.
When enough customers report a problem with the charge that is suspicious, everyone on BillGuard members is notified and a website for reporting suspicious charges is created.
BillGuard’s founder Yaron Samid is a former startup veteran with a part in the development team of Register.com.
My Friends Don’t Forget to check:
- Dispute a Credit Card Charge.
- Fraudulent Charges From Facebook.
- Amazon Charge
- hotels charge your credit card.
- charged twice for my Facebook.
He said he came up with his idea of BillGuard after he was nearly victimized by an automatic charge that showed up in his credit card statement. questionable charges.
“Two years ago, I found out I was paying $10 a month for a post-transaction coupon scam after my wife bought concert tickets,” said the man “When I searched for the charge I found a plethora of blogs, complaints boards.
and tweets that screamed about the similar “hidden cost.” The truth is that millions of people were scammed with the exact scam, and complained about it on the internet in their bank accounts. Then why didn’t I get a heads-up?”
Samid and his partner Raphael Ouzan, a financial security expert, decided to develop an application that harnesses “collective consumer knowledge.
and lets credit card holders communicate this type of information with one another.
BillGuard is also monitoring other sites that are related to complaints as well as social media platforms for indications that a business is not being honest with its customers.
According to surveys, about 90% of consumers using credit cards do not examine their bills with care every month, which is why an alert system that is proactive is vital, he added. questionable charges.
To test whether the system is actually working to test the system, we were able to get Samid to provide us with the 10 charges that BillGuard advised consumers of during the initial quarter of 2012.
Then, we reached out to the 10 companies concerned to determine if the cautions were legitimate. We’re publishing 9 out of the 10 here. The 10th needs further investigation.
The list is diverse and includes everything from a tiny business that’s sending out gift cards of $500.
with the possibility of a catch, and an empire of magazines that’s creating complaints because of the way it registers new customers.
There are a variety of themes that run through the list, from the much-dreaded “negative option,” which depends on consumer insanity to add monthly.
charges as well as an unrelated third party “data pass,” which makes many people wonder, “How did this company get my credit card number?”
The BillGuard statements, along with the responses from the company are provided below.
Below each company’s name is the amount of money charged which appears on the majority of consumers’ credit card bills that can be accessed.
via the BillGuard complaint page for the business. Examine your credit card statements to determine whether any of these items are present, and then consider contesting the charges. questionable charges.
BULLGUARD: “This extremely popular retailer was flagged by a member of our team who alerted us of their questionable use of a negative-option model for membership for charging customers each month.
When you make your first purchase ShoeDazzle “subscribes” you to their service. From then onwards.
you’ve accepted to pay $39.95 every month, unless and until you log in to ShoeDazzle and click on a “skip this month” link. Do not “skip” in time, and you’ll be being charged.
Also, you must take action to not be in the process of being charged. These terms and conditions that govern the subscription program are concealed in the lower part of your checkout page in small print.
Based on our research and the complaints of our users about this unethical practice, we are now distributing this information to all of our users.”
REPONSEShoeDazzle has made an image for itself partly due to its association in the case of Kim Kardashian, says it does not require.
customers to sign up for its service, and no longer is it charging monthly fees. The company made the announcement in the middle of March.
“Under the old model, we did communicate the process in a How It Works video, in Terms and Conditions, via email upon purchase, through our Client Service team,” stated John Tabis, vice president of strategy at ShoeDazzle.
Then, he asked the company to relay any complaint BillGuard had received. “We are always seeking ways to improve, and we appreciate the feedback.”
BULLGUARD: “Zbiddy is a penny auction website. Users must pay a cost to make bids. Each bid is extended by the time allotted for auction.
Because of their high profit and the low cost of setting up websites that offer penny auctions have grown steadily over the last few years.
Zbiddy was relatively new to the marketplace only a few months ago, but it has already earned an image for its the art of shill bidding (bids that are made with the intent to increase the price of auctions) in order to push up auction prices and increase length.
We discovered this while we were looking at the most popular frauds through Google.”
REPONSETwo E-mails sent to customer services at ZBiddy’s were answered by automated responses, like this:
“We have received your inquiry. Your email is vital to us. We will respond to your specific question within 24 hours.
Most of your inquiries are available in the FAQ area. Best Regards to the ZBiddy Customer Loyalty Team.” One week after we sent the first email, we haven’t received any response.
UPDATE, 23rd April 2012: Seth Dillon of ZBiddy called msnbc.com and provided the following reply:
“I’ve looked over and replied to the complaints made on our BillGuard website. We appreciate you bringing these complaints into our consideration.
(It) is not true that we are known for bids that are shills. … ZBiddy is not currently – nor have we ever been involved in any illegal bid-making practices that artificially increase the price of items sold that we offer on.
Regarding the complaints regarding unauthorized charges, you should read this response that was posted by BillGuard: BillGuard: “To place bids and win items on Zbiddy, you need to first register and buy an auction package.
This is a standard procedure for all penny auctions and is not restricted to Zbiddy. If you have any questions regarding the registration procedure or did not realize you were charged when you made the purchase, please call the Customer Services department by calling 1-888-406-6509.
Our courteous staff is waiting to answer your call and assist in resolving your problem. Customer Service Desk hours are all weekdays from 8 a.m. until 12 a.m. ET.”
3) Scoresense — OTL*SCORESENSE.COM 800-679-6327 TXAP15CTE
BULLGUARD “What Scoresense claims to offer are ‘free’ credit services such as credit score, credit monitoring, etc., …. What actually happens is the following.
The user feels safe in giving Scoresense their financial information in order to receive their ‘free’ credit report and usually fails to notice that the ‘free’ report lasts.
for a limited time, (after) which Scoresense uses the supplied financial information of the user in order to charge him monthly for membership service.”
RESPONSE: A customer service representative who answered a telephone call told us to write to customercare@scoresense.com. questionable charges.
The email we sent to this address was only answered with an automated reply: “Thank you for your email message to ScoreSense. Most emails will be answered within three business days.
If you need to resolve an urgent problem or would like to end your account, contact customer service toll-free…” after two weeks, we haven’t received any response.
4) TWX/Synapse — TWX MAGAZINE SUBSCRIPTIONS
BULLGUARD “TWX/Synapse uses a data pass model to lure consumers into expensive subscriptions.
What happens with data pass models is as follows: following: Customers buy products from a third-party retailer.
The retailer could be a physical store or an online store. After or during the process of making a purchase.
the buyer gets a trial period for free to the magazines of their choice. In the event that the business offering magazines does not have any financial information.
and that he is entering into a “no-risk” trial period when he is required to sign the line. What he isn’t aware of is that all the financial data provided to the third-party retailer is transferred to TWX.
It will then be used to invoice TWX for the magazine after the trial period ends without notice or notice period between the trial and the paid period.”
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RESPONSE”Our customers matter to us greatly, since millions of them use our services. Terms are made clear in writing.
and even verbally when the sales setting is face to face. If customers have a reason to be unhappy we will work tirelessly to resolve any disputes to their total satisfaction.
Synapse has been awarded an A+ rating from the Better Business Bureau for these as well as other reasons. You can attribute this to Synapse spokesperson.”
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questionable charges Also Ask
Can your credit card be charged without your authorization?A merchant can’t legally charge your credit card without your permission, but this doesn’t necessarily mean the merchant has to get an authorization form for every charge. There are several ways to get a customer’s permission, and your signature is frequently sufficient authorization.
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What is an unauthorized charge on a credit card?“Unauthorized use” is when someone other than the cardholder or a person that has the actual, implied or apparent authority uses a credit card and the cardholder receives no benefit from the use.
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What can you do with unauthorized charges?Consumers can dispute fraudulent charges on their bill by calling their issuer. This is typically a quick process where the issuer will cancel the credit card in question and reissue a new one. You also have the right to dispute a credit card charge for a purchase you willingly made.
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