Hi I wanted to share what happened to me but don't know what to do because the lack of help from my credit card company saying it's valid when I never authorized it
In April 2011, I was offered a service from a company to coach me in setting up a ebay store or internet business type of service that costs $3,749. I wanted to get started right so I agreed to get coached & was going throught the payment section with a person over the phone.
I was looking at my statements around a couple months after paying & noticed a different business name or merchant that charged the amount I agreed to with that initial company. I was not familiar with that company or mechant so I did a search & found disturbing news about them with numerous complaints, bad reviews and other consumers that dealt with that company. Since this company aquired my personal & credit card details illegally they had all the answers when the dispute team questioned them about this charge so it looks as if I did deal with this unknown company.
Why is the credit card dispute team telling me this charge is valid when I never authorized the charge from the unknown company, in addition on my credit card website where I make payments under the security tab it states Remember, you will never pay for any unauthorized charges on your credit card, also has this....You will never be responsible for any charges that you did not authorize.
Please tell me what can I do when the dispute team saying it's valid & also telling me I have to find other ways to get my money back even if it states I will not be responsible for unauthorized charges...
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.