In March of this year, I ordered a trial package of Altovis from your company. To pay the shipping charges I used my bank debit card. Having advanced HIV disease, I was hopeful that Altovis might provide some energy and enhance my quality of life.' After receiving the sample and took one pill. It did not agree with my system. I took no more. I placed the remainder of the pills in the back of my box of medication. I say box for I consume a multitude of medications daily.
In early April, I do not know the exact date; I received, to my surprise, another box of Altovis. I did not order it. I was not aware that your policy was to automatically send more and automatically debit my checking account for $70.00. That occurred on 04.07.05. The debit was unauthorized. I was not aware of the transaction until 04.22.05, days after receiving my monthly banking statement.
I immediately called the bank. They granted a temporary credit', it posted to my account on 04.25.05. The bank informed me that they would reverse the temporary credit if I did not have the requested information' to them by 05.12.05. (If they had merely conducted their investigation as I did, by merely phoning your company, they would have known that the debit was unauthorized and that BPN would credit me upon receipt of the Altovis.)
I called BPN and asked for the mailing address to expedite the matter. My attendant returned the said product to your company (5462 Duff Drive, Cincinnati) via USPS, as I am unable to travel due to my physical condition. Because BPN did not credit my account before 05.12.05, the bank reversed the courtesy credit.' Their reversal of the credit put my account into a negative balance. Then B of A began charging me overdraft fees - totaling $292.00!
On 05.16.05, I phoned BPN for the status of my reimbursement. I spoke with John at ext. #7584738. He said he had no information regarding the returned packageit must be in the warehousewhen it is processed you will receive a credit.
On 05.20.05, my checking account was credited $70.00. I am grateful for that. I spoke with my bank about the situation; they informed me that they would not reverse the overdraft fees. They told me that BPN was responsible because of the unauthorized debit."
I began sending emails to BPN on 06.02.05. The last one sent was on 09.06.05. Can you understand the frustration and financial hardship I am experiencing? I have yet to receive any reply from BPN. However, I have received your unsolicited emails advertising your other products. It serves as a reminder and continues to be a source of frustration and justifiable ire.
I have had to close my credit card accounts. I am seriously delinquent with my payments. I managed to obtain and maintain excellent credit from the time of my disability in 1994. I am at my wits end. This situation is causing tremendous stress and financial hardship. If the goal of your company is to enhance people's lives, I fail to comprehend your attitude toward this situation. I KNOW that if I owed BPN money that BPN would hound me to death.
To resolve this problem, make it tolerable, and help me get out of this financial black hole, I would appreciate it if you would deposit $292.00, minimum, into my checking account. I had to borrow money to begin using my checking account again. It is extremely difficult traveling 40 miles to a check cashing facility for money orders to pay bills. All of which are now delinquent.
I look forward to your reply in resolving my problem. I will wait until 09.19.05 before I seek help from a consumer protection organization, the Better Business Bureau, the FDA, or anyone else required in resolving this matter.
M.W.
Guerneville, California
U.S.A.
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