I was examining my credit card transactions through my bank's website and noticed this entry:
3/29
Loan Advance DLS*ID POWER SAFE
877-2560463 ut
($40.00)
Not recognizing the merchant I Google'd the name and found nothing. Searching on the phone number yielded one match for someone else writing about how they were the victim of a scam. My spouse called the number and spoke with a unhelpful person who would not tell her anything about the company or the purpose of the charge. She stone-walled each time my spouse requested that the charge be removed.
We canceled our credit cards and started the paperwork for Visa to report the fraudulent activity. I called and and spoke with 'Jess' the customer service agent. When I told her who I was she immediately and apologetically pulled up all my personal information (address, phone number, credit card number, etc...) and told me that I was signed up for Debt2Wealth Club's membership 3 days earlier. Then she gave me the sales pitch about what a great service it was. I used the terms 'irrelevant, ' 'victim, ' and 'fraud' to describe how I felt about her pitch. Why would I choose to keep a membership with an organization that just fraudulently charged my credit card $40? She did not have an answer, but she did want to tell me about all the wonderful services Debt2Wealth Club offers. We went around once again and I finally convinced her to remove the charges.
She sent an email detailing the program once again but also stating that my account would be credited in 3-5 business days. I hope others out there are as lucky as I was. Just keep pushing and insist that they refund the 'membership' fee. I thought membership implied voluntarily opting in...
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