A representative with a very strong Indian accent contacted me with knowledge that I had been interested in a loan. Days prior, I had searched for a home equity loan. The rep stated that he could connect me with companies that could get me a loan up to $1,500. I stated that since we needed a loan for $5,500, there was no point in us talking any further. He told me about several of his products and that he could get me a trial offer and help me get my needed funds. He talked very fast and the accent was very strong, making it difficult to understand at times. I told him that I was not interested, thanked him, and politely hung up. Moments later, his "supervisor" called back, with a strong Indian accent, and restated everything that the prior rep had said. He said several times, not to worry, no additional funds; just a small $1.95 would be drafted from my account for shipping and handling of this product. "Not to worry, " he said, I could cancel after receiving the product at no additional charge. The numbers that the rep gave me to cancel this "trial offer" were only recordings, and I was unable to talk to an actual person so that I could stop the entire transaction. I never even received the package that they said they would send out, not that I wanted it. A month later, yesterday, my account was drafted $149.80, without my permission. The memo on the electronically printed check (that I did not sign) stated the company's name, Unified Services, and a toll free number (1-866-904-7796). I called the number and got only a pre-recorded message linking me to info on each product that I "bought." These charges were not authorized, only $1.95 was to be drafted. Every penny in my account, which I share with my husband, is needed. We are newlyweds who are just starting out. Losing $150 is huge for us right now. I am in the process of contacting my bank, my states attorney general (NC), Nevada's attorney general, the Better Business Bureau, the Federal Trade Commission, any other reporting agency I can find, and the bank to which the fraudulently drafted funds were deposited, The Village Bank. Surely, there bank would like to know that one of their clients is running a scam on hard working American citizens.
Unified Services states in several of their responses to the complaints that I have seen on this website that the terms are clearly explained and that if consumers actually tried their products, they would be pleased. If the terms were clearly outlined, there would not be so many complaints on this website, the BBB, and other reporting agencies. And, I never received their product, so how can they say I would be pleased with it. I will be demanding a refund, and if my illegally drafted funds are not returned, I will consider seeking legal counsel in reference to this matter. Luckily, my answering machine recorded a portion of this conversation, and I can use this to show that I was not informed that $149.80 would be taken from my account, only $1.95.
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