Monthly recurring charge nightmare - please HELP!

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
7 posts
DLW
 
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Joined: Tue Jul 01, 2014 3:21 pm
Location: Texas

Monthly recurring charge nightmare - please HELP!

Postby DLW » Tue Jul 01, 2014 4:21 pm

I hope someone can answer a few questions for me. I've searched the forums and didn't see any topic about my issue.

I was subscribed to an internet VPN service for 18 months. When I signed up, the Terms of Use said we could cancel anytime. I never, ever used my credit card in the past for recurring charges but since I didn't have Paypal I took a chance. Big mistake.

I canceled 5 months ago and got 2 emails from the merchant stating they would cancel my $9.95 a month Visa charge. Of course I didn't know this website was run by 2-3 guys with NO physical address (they have their IP address hidden using a Proxy hosting site) and they would change their policies to rip off people like me. Now the Terms of Use state that THEY decide when we can cancel! I've been in the IT industry for 25 years but my hands were tied trying to find them (for free). My bank Chase started giving me credit each month and they tried to block the merchant. These guys knew how to get around the block, changing merchant IDs and acceptor codes is what Chase told me.

Chase said to get a new Visa account number. I did that and the charges continued on my NEW card. I learned there are loopholes that allow merchants to follow our "credit card DNA" and continue charging us. Does anyone know exactly WHAT DATA merchants use to get the new account number?

Last week I canceled the card. It's not the money that bothers me so much - it's the lack of help I got trying to stop them. Every consumer agency in the state I found them in said they couldn't do a thing unless they had a PHYSICAL address, which I could get but would cost $50 from their host provider and even then may be fake.

So I am now losing $15-$20 a month in cash rewards from the card. I want to get a new rewards card from a different bank. My credit is excellent.

So my questions are:
1. Can this merchant find out if I get a new Visa from a different bank?
2. How long should I wait before getting the new card (or not wait)?
3. How will I know if they are still charging me each month even though it's now rejected?

I don't think they'll bother hiring a collection agency since it's costly and their website is barely making any money (found that data somewhere in Google search)

I know this seems pretty petty compared to some stories I've read here but I have lost a lot of sleep over this - it's like someone coming into my home, taking 10 bucks out of my wallet every month and not a single law enforcement or consumer protection agency will help me stop them. So frustrating! I can not even imagine those of you who've dealt with identity theft... that would literally break me!

Thank you for reading - and thanks in advance to any advice or answers. :confused:


attrapereves
Platinum Member
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Joined: Tue Jun 24, 2014 2:44 pm
Location: Missouri

Postby attrapereves » Tue Jul 01, 2014 7:31 pm

Wow, I've never heard of this before. I'd like to find out how they discovered your new card number.

DLW
 
Posts: 1
Joined: Tue Jul 01, 2014 3:21 pm
Location: Texas

Postby DLW » Wed Jul 02, 2014 3:36 am

attrapereves wrote:Wow, I've never heard of this before. I'd like to find out how they discovered your new card number.


I forgot to post this link - it talks about the credit card DNA issue. Someone at Chase told me they automatically notify merchants if we change accounts but I don't believe that since my account was red flagged for fraud. And there was a law passed which allows a merchant to follow us since many people were changing account numbers trying to get away with not paying bills. So this loophole was actually created by our wonderful GOV'T.
http://www.nasdaq.com/personal-finance/pull-the-plug-on-recurring-charges.aspx

supercoolman
Centurion Member
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Joined: Thu Jun 12, 2014 12:48 am
Location: South Bay Area

Postby supercoolman » Thu Jul 03, 2014 1:42 am

2-3 month of that charge should worth more than $50?

close/cancel your current CC in fraud will definitely stop them from charging you any money.

DLW
 
Posts: 1
Joined: Tue Jul 01, 2014 3:21 pm
Location: Texas

Postby DLW » Thu Jul 03, 2014 5:40 am

supercoolman wrote:2-3 month of that charge should worth more than $50?

close/cancel your current CC in fraud will definitely stop them from charging you any money.


I did close the card, but I'm afraid they will continue to bill me without me knowing it and then come after me in the future. Just because they can't charge the old card doesn't mean they won't keep billing me does it?

Like if you buy a vehicle and stop making payments - the finance company keeps charging you even though they can't find you. I want to get a new Visa but don't know if I should wait since they might have a way to find my new card and start charging me again.

supercoolman
Centurion Member
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Posts: 176
Joined: Thu Jun 12, 2014 12:48 am
Location: South Bay Area

Postby supercoolman » Thu Jul 03, 2014 2:13 pm

DLW wrote:I did close the card, but I'm afraid they will continue to bill me without me knowing it and then come after me in the future. Just because they can't charge the old card doesn't mean they won't keep billing me does it?

Like if you buy a vehicle and stop making payments - the finance company keeps charging you even though they can't find you. I want to get a new Visa but don't know if I should wait since they might have a way to find my new card and start charging me again.




I don't think anyone can hand out your new CC account information without your authorization. did the new CC number of the CC in fraud shows up as new account or original account on your credit report?

DLW
 
Posts: 1
Joined: Tue Jul 01, 2014 3:21 pm
Location: Texas

Postby DLW » Thu Jul 03, 2014 4:18 pm

supercoolman wrote:I don't think anyone can hand out your new CC account information without your authorization. did the new CC number of the CC in fraud shows up as new account or original account on your credit report?


The merchant can get the new CC info without anyone giving it out according to the article I linked to in the above comments.

I never got a credit report. Should I get one?

It stayed between Chase and myself. After the bank gave me the new CC the only thing that changed was the account number. The expiration and security code were the same. When the merchant charged it, the email receipt I always get had the OLD CC number as the charged account but the charge was on the NEW CC. I'm pretty sure Chase is at fault for the merchant getting the new number... in fact I'd bet on it. They didn't seem to care too much since it was only $9.95 a month but when I threatened to switch banks they gave it more priority.

I swear I think I know more about fraud and CC abuse than the Chase people. :mad:



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