Unauthorized charges on my credit card
I'm hoping someone can help me with this issue. I'm ashamed to say that I just realized a company has been charging my credit card for the past 2 years for $14.95 a month for a service/product I never asked for, never received & never authorized!! After calling them to ask why they are charging me, they said they are a 3rd party to a company I purchased from, Church & Dwight, the makers of Arm & Hammer and many other products, gave them my account info after I made a purchase from them. Even though I never authorized any purchase with UMB, they say that because of my purchase from Church & Dwight, I allowed this to happen. I called C&H to ask them about this, they replied that they do give out info to third parties, and are not responsible for anything these companies do with the info. Here I thought I was making a purchase from a trusted company!!! So what did I receive from UMB, nothing!!! If I had received something, I would have been aware right away contacted them to say that I never ordered anything and demand a refund, only maybe losing $14.95. These guys are smart cons, they know there are a lot of people like me that don't pay close enough attention to there bank account, and can rip you off.
UMB is only offering me a one month refund of $14.95 for this "so called" service I never received. They took me for almost $400!!!!!!!!!!!!!!!!!
I need a good lawyer, but it will cost me more than $400 to do so.
ANYONE OUT THERE WITH INFO THAT CAN HELP ME??????