Warren, My Moms chase card statement shows a Transaction Cycle chargs under my name for 3,258.60. It simply says TRANSACTION THIS CYCLY DON WALLACE: , tHERE IS NO EXPLANATIONS. My wife pays the bills for my mom on thje card but never charges anything on it. Being another chase card, Thger seems to be to much of a coincidence That charges woiuld show up the same month from sources. I am going to call the phon number supplied in an earlir post, But need to get rid of this migraine and recover from the seizure first. Thanks for all the helpfull input, I will be sure to see if there was an automatic renewal. I still don't understand how someone can re-open an account without my O.K. and start charging to an account that was closed. Thanks again for the input, God Bless, Don
So I just jumped in here, and I've read nothing but the first post; but, initially I thought the title was implying that credit card fraud was great fun. . .I'm glad to see I'm wrong and I hope you get your money back!!
Thanks again Warren, My Mom just sent her statement home with my wife and there is a charge for $3258.20, From a resteraunt cooking fixture company. ( this was also a chase card ). She has one other chase card and asked them to look the card up and there are several; charges for online purchases of jewlry. As all 3 cards are on Chase cards, I was wondering if there could be some sort of connection. You seem to know a bit abot the subjsect, Could my cxard be having a problem in conjunction with her cards, Even though all 3 are seperate acounts? Thanks again for the help, God Bless, Don
There's no way charges on seperate accounts can be connected. You and your family could have a dozen different accounts, and even though the same people might be either responsible parties, or even just authorized users, charges going to one account have no way of crossing-over to any of the other accounts.
If someone were to somehow steal a bunch of valid credit card numbers, they'd use them for personal gain, order things, and then disappear. They wouldn't charge memberships or subscriptions. For the cards with charges from a restaurant fixture company and jewlery, that could be the case. It could be coincidence that two of your account numbers were stolen at the same time. Or it could be that someone got into your mail or garbage, and got them both at the same time. Your mailbox and garbage can are the only places where there would be a connection between the two accounts. Anything else would just be a coincidence. But you can difinitively rule out any connection at the bank.
But on the account that the only charge is for the membership fee from TLG, if that's the only odd charge, then it probably wasn't a thief who did it. They would have bought something they could either use or convert to cash. Not some membership somewhere. Especially since the solicitations for those memberships come up after some other purchase, and you haven't flagged any of the other purchases on that account as being incorrect.
I discovered the TLG Great Fun $11.99 charges on my Chase Card. It is my fault for not being diligent in checking my on line statements closely as it had been going on for over a year. Any way, I went through all the complaint procedures and so far have received $47.96 in credits. Then, it gets interesting. I called Chase, cancelled the current card, got a new card/new account number. The next month the TLG Great Fun charge was on the new account. I called Chase and asked, WTF, how did TLG get the new number? The nice lady said, " Chase has a relationship with TLG" GOODBYE CHASE!
"Goodbye CHASE" is exactly what I did after being a card holder for 11 years, and I got hit with the "TLG" scam. In my case, I managed to catch the first payment, and they refunded. The scary part of this is the fact that I have never heard of TLG---how can they charge my card? The answer is that they are in fact in a relationship with CHASE, who allows them to market their "services", and grants them access to charge your card--even if you have never heard of them. In my case, I deposited what I thought was a rebate check from CHASE, delivered in a CHASE envelope with nothing attached to it. This appearantly signed me up for a "free trial" of their travel service, to which I received nothing to give a "free trial" of, which is why by the time my "free trial" ended and they started billing me, I STILL have never heard of them. There are thousands of complaints about this exact scenerio, so many that CHASE & TLG (Trilegiant) were sued in 2006 by over a dozen state attorney generals, and told to stop doing it this way. Well, they obviously are still doing it, and now Trilegiant has just settled a $25 million lawsuit over this fraud. Anyone on here may be eligible to get refunded by filing a claim: http://www.trisettlement.com Whatever card you have that has been getting billed, chances are the card company is in a business aggreement with Trilegiant. I would call them up & ask them how they can partner with a company that just got sued for committing massive consumer fraud, and then cancel your card with them.
My wife signed up for some 'free sample' of teas (no obligation to buy, no money down) that were supposed to have some health benefit. She didn't realize that, when she signed up, she also 'subscribed' to the private section of the site that was promoting that crap. She didn't want the tea and she did not have to pay for it but, guess what? They starting taking $19.95 from her credit card, every month, totally open-ended.
I was able to get our money back after telling them that I was going to sue them but, y'all be cautious and avoid interacting with these parasite creeps because, once they get you it's not always easy to get read of them.
Wow. Sorry to hear the problems you guys are having. I actually signed up for Great Fun (the free trial thing) when I booked a hotel through priceline. I think it was like a $30 check I'd get if I signed up for the free trial. I got the check and cancelled the membership without any issues.
Now, since I have two chase credit cards, I'm going to go check my statements cause ya'll have me nervous :)
Thanks for the notice. You should also watch out for classiccloseouts.com. They charge fraudulently as well.
It's not the Amazon card that cause the fraud charge. The Amazon card is offered by Chase and is a great card. Just be careful who you sign up with. There are a lot of companies that want to offer you deals to save a few dollars here and there, but if you never heard of them, always do a search of the company's name and complaints as the keywords. That way you prevent yourself from being in that situation. Always research companies you don't know. Most of the companies listed on slickdeals or fatwallet, I usually avoid since I've never heard of them. It's not worth saving a few dollars so you can possibly get ripped off later.
That happens so much these days. My father gets a new magazine subscription unknowingly every time he goes to Best Buy. No matter how many times I tell him, he still doesn't get it. Mother-in-law did it with Architectural Digest (which is nice cuz she gives it to us).
has anyone had unauthorized charges from wmv*match.com? My husbands debit card has been zonked two months on a row from them. 34.99 a pop. I did find he had a profile on there that i deleted and had a HUGE argument over. he swares he never gave any credit card info. I am at a loss and am so angry i dont know what to do. Is there any advice for the charges and the hubbie issue?
The commonality in all these situations is people agreed to things they didn't know they were agreeing to.
Those "rebate" checks always have something on both the front and back that says by depositing it, you're signing-up for something. Those offers that pop-up after you buy things at online stores always have terms that say you're signing-up for something. Everybody accepted an offer without reading the terms first.
If all this is not a good arguement for reading those terms before you click "YES", I don't know what is. You simply should not just be agreeing to something you haven't read!
And if you have an authorized user on your credit card who acts impulsively, and doesn't stop to read, or doesn't understand those things, then you need to decide whether you want to continue accepting the risk you accept when you allow someone else to be an authorized user on your account.
Companies that do these things are not getting your credit card number and the authorization to charge it from someone else. The person being charged has always done something to initiate the charge. They may not remember doing that something because they weren't paying attention, but who's fault is it when someone isn't paying attention?
Telephone: (203) 956-1000 Email: general inquiries or use the Contact Form.
Members can also use the following toll free numbers: AutoVantage 1-877-259-2696 Buyers Advantage 1-800-553-4948 Complete Home 1-800-232-4663 PC SafetyPlus 1-877-630-1183 Great Fun 1-800-214-6422 HealthSaver 1-800-7-HEALTH (1-800-743-2584) Hot-Line 1-800-323-1137 Just for Me 1-877-848-8888 National Card Registry 1-800-323-1137 Netmarket.com 1-888-696-2753 PrivacyGuard 1-877-202-8828 Shoppers Advantage 1-800-526-4848 TravelersAdvantage 1-877-259-2691 Travel ER 1-800-E-Assist (1-800-327-7478)
All of this reminds me of the saying "If it looks to good to be true, it probably is." And "You don't get something for nothing." I received a phone call the other day saying I would receive a free trip. I played along with them so I could get a phone number to report them to the National Do Not Call people. I was asked if I had a major credit card as well as to verify my phone number "in case we got cut off". They called me! They should know my phone number. I told them I'd rather have their number in case that happened and was told I wouldn't get the same "deal". I did get the number and they didn't get mine. *Sure* it was a "free" trip. There have to be some out there who fall for something like this or they wouldn't continue to operate.
mick ~ Given that he had a profile on match.com I would say he gave them the cc info. Sorry.
Hubbie issue ~ have you checked on any free sites to see if he has profiles on there ? A friend found her hubs on 3 sites, one was more adult oriented fun type. She replied to the one and then busted him, they are going through counseling. Good Luck
I was just checking my account and noticed a TLG GREAT FUN charge and looked up the number online. I read all these postings and then called the number. They told me when I purchased Fandango tickets I automatically signed up for one month's free membership to this service and as I didn't cancel, I was enrolled and have been charged every month since February! The woman on the phone asked if I would like to receive the benefits, and claimed they had been sent via mail and email. Not true. She said she could send it and blah blah blah. I said absolutely not and to cancel immediately. This definitely fraud - bad luck for Fandango, as we will never use them again.
It sounds to me as though there are two separate issues under discussion here:
1. Click-through or other customer authorization. Some of these scams are very inventive. I've taken to showing our kids some of the mail that comes in and asking them to evaluate it as a sleuthing/learning process. Another thing to watch out for is when you get text messages on your cellphone. It is very easy to hit the wrong button and instead of deleting the message find yourself having signed up for a monthly recurring charge.
2. Waking a dormant credit card, such as original poster described with his deceased dad's card and another card he mentioned. I've read in several places that financial institutions in some cases revive cards when a charge is presented. (Is it all right for me to direct readers to consumerist.com? That's where I first read about this and started doing research on it.)
As a side note, please, folks, invest in a good shredder. Feed it all those unsolicited credit card applications, the blank "use me now" convenience checks from your credit cards, the flood of financial applications/promos your high school juniors and seniors receive ... and all the credit card and bank statements etc. in your home after you're done with them.
The number of one of our credit cards was stolen/guessed and even with the institution's prompt help (they spotted online patterns and the fraud department called us within a few hours of the charges being presented), it was still a pain. Thank goodness no problems after that with other cards.
Actually, in cases where the customer files a dispute with the CC company, the CC company generally sends at least two letters to the customer. The first is confirming receipt of the affidavit/claim, and advising that the merchant has been contacted on ____ date and thus the clock has started ticking. This letter can also include a notice that a provisional credit has been posted to the account; or that letter may come separately.
A subsequent communication comes from the CC company advising of the final outcome -- that either (a) the provisional credit has been made permanent or (b) the merchant has responded in what the CC company terms satisfactory manner ... and thus the ball is bounced back into the consumer's court.
I had an LL Bean dormant account get reawakened. I had been sent new cards and never activated them. Fortunately I signed up for email alerts everytime my credit accounts has a transaction. I received notice that $5 was charged by Banco America in Florida. I called the cc company and closed the account. The cc company rep told me that some crooks will generate card numbers, apply a small charge and see if it is noticed. If not, they go on to bigger purchases.