I recently discovered that UMG*My Advisor has been charging $14.95 per month - since August 23, to my debit card. The charges occur on or about the same time each month (23rd - 25th). My bank statement lists the monthly charge as a "purchase". These charges are unauthorizied, illegal and are fraudulent. I attempted to contact the phone number listed on my bank statement to find out more about the charges. There was never an answer. I then googled UMG online and discovered that this same thing has happened to consumers all across our country by this same company (listed as UMG with many different associated names) - for the exact same amounts and infomation - and that these charges were never authorized by the account holder. I contacted my bank and cancelled this debit card to stop this from occurring again. The bank initially agreed to credit our bank account back with 3 months of charges @ $14.95 each in accordance with the 60-day VISA rules and regulations. However, that has since changed since my bank was able to reach someone at UMG and now my bank refuses to refund any of these charges as they were told by UMG that these charges were authorized. However, their fraud investigator gave me a phone number to reach UMG. I contacted UMG today and was told that these charges represent a program called MY ADVISOR that my daughter agreed to participate in. I spoke with a Brad and was given a confirmation number at the number that I have listed on this complaint. This is all false as we have never agreed to any such program, have never heard of this program or company and have signed a bank affidavit as such. I stated these facts to Brad at UMG. This company has somehow obtained name, address, and email address information illegally from an on-line purchase made in August. We have never received any benefits, products, services, or any information regarding this My Advisor program. We know nothing about it and have never used it in any way. The first I ever heard about this was when we saw it on our bank statement. This is clearly fraud. UMG has repeatedly deducted recurring monthly amounts from our checking account for a membership program that we know nothing about, have never received any information on, and have never agreed to or authorized debit transactions for. This has happened to too many consumers to be a coincidence. This company must be stopped from making fraudulent charges to innocent US citizens. They have covered their tracks to make it appear as though consumers agree to something simply by obtaining their name, home address, email address, etc - which they apparently obtain somehow illegally via online debit purchases. There is no signed contract or agreement. Please help us stop this from happening to anyone else in the future. I have also filed a BBB complaint.
My Desired Resolution:
Full refund of the 5 months of charges @ $14.95 each = $74.75. We were charged for services that we never ordered, never authorized, never requested, and we never received any information or services associated with these fees. We were charged illegally and fraudulently!
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