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UMG BuyersEdge - 888-326-7156 IL Complaint - Citizen's Beware
Complaint
ILLINOIS -- Around December, 2007 I heard a commercial by the late Billy Mays advertising a car polishing kit for $19.95. I ordered the kit by phone using an 800 number. What I thought was a simple order turned out to be a sales pitch and a battery of questions. I answered the best I could, gave my credit card number during the questions with no idea what was coming.
On Jan. 15,08 I received a legitimate charge of $19.95 on my financial statement from Capitol One. I'm negligent about scrutinizing every statement for false charges. I'm at fault for not being more careful. I noticed the same charge for $19.95 appearing on my credit statement. It took 11 payments of $19.95 before my wife questioned the charges. Immediately I called UMG Buyersedge (888)326-7156-IL. I told them briefly what happened and they said they would cancel the continued charges-no explanation given.
I reported these fraudulent charges to Capitol One (11 charges) amounting to $219.45 plus interest. After being referred to four financial departments, I finally ended up with the Fraud Liability Department of Capitol One. They have an early fraud detection program. They gave me credit for 8 out of the 11 charges then soon after rebilled me for the 8 charges and credited me for 5. They told me that they cleared my account. Soon after this they notified me that I was credited twice by UMG Buyersedge and by them. In short, they wanted their money back. I told them that I had no credit account with UMG Buyersedge, no paper trail, nothing; not even an address, just an 800 number. The Capital One representative told me all UMG needed was my credit card number and stated that I was paying a membership fee of $19.95 a month since this was a marketing company. I paid my total debt to Capitol One earlier when I realized they didn't cover the 11 false charges. Now they insisted that UMG was doing something legal. I finally realized that this was a SCAM. I told the Capital One representative that it was still a fraud. He disagreed; a scam, yes; but a fraud, no. Capitol One is still charging me $19.95 at this time for some unknown amount. I assume it's for the 5 credit charges they gave me before I closed my account with them.
So much for Capitol One's $0 Fraud Liability Program. Their justification is in semantics, the difference between the words fraud and scam, and it's all legal.
Meanwhile UMG is supposed to give me credit for one charge of $19.95. They will pocket $219.45 plus interest. I paid them for (an undesired) membership according to the Capitol One representative and all they needed was my credit card number. UMG Buyersedge are taking unfair advantage by trickery of old, gullible people like me (I'm 77 yrs. old) with a razzle dazzle phone activity. If that isn't fraud, what is?
I put a certain amount of trust, which I consider normal, in financial institutions like Capitol One only to find out that they knew this was going on and are still doing business with UMG because the representative told me they approached this company about many complaints. Corruption is ruining America and we are loosing our freedoms. They bite the hand that feeds them. Bad things are happening because they sacrifice principles for money. It doesn’t look good for our children who are victims in this secular amoral society.
P.S. I cut up my credit card and will never buy anything advertised on TV or internet. I will also assume a paranoid attitude for protection.
On Jan. 15,08 I received a legitimate charge of $19.95 on my financial statement from Capitol One. I'm negligent about scrutinizing every statement for false charges. I'm at fault for not being more careful. I noticed the same charge for $19.95 appearing on my credit statement. It took 11 payments of $19.95 before my wife questioned the charges. Immediately I called UMG Buyersedge (888)326-7156-IL. I told them briefly what happened and they said they would cancel the continued charges-no explanation given.
I reported these fraudulent charges to Capitol One (11 charges) amounting to $219.45 plus interest. After being referred to four financial departments, I finally ended up with the Fraud Liability Department of Capitol One. They have an early fraud detection program. They gave me credit for 8 out of the 11 charges then soon after rebilled me for the 8 charges and credited me for 5. They told me that they cleared my account. Soon after this they notified me that I was credited twice by UMG Buyersedge and by them. In short, they wanted their money back. I told them that I had no credit account with UMG Buyersedge, no paper trail, nothing; not even an address, just an 800 number. The Capital One representative told me all UMG needed was my credit card number and stated that I was paying a membership fee of $19.95 a month since this was a marketing company. I paid my total debt to Capitol One earlier when I realized they didn't cover the 11 false charges. Now they insisted that UMG was doing something legal. I finally realized that this was a SCAM. I told the Capital One representative that it was still a fraud. He disagreed; a scam, yes; but a fraud, no. Capitol One is still charging me $19.95 at this time for some unknown amount. I assume it's for the 5 credit charges they gave me before I closed my account with them.
So much for Capitol One's $0 Fraud Liability Program. Their justification is in semantics, the difference between the words fraud and scam, and it's all legal.
Meanwhile UMG is supposed to give me credit for one charge of $19.95. They will pocket $219.45 plus interest. I paid them for (an undesired) membership according to the Capitol One representative and all they needed was my credit card number. UMG Buyersedge are taking unfair advantage by trickery of old, gullible people like me (I'm 77 yrs. old) with a razzle dazzle phone activity. If that isn't fraud, what is?
I put a certain amount of trust, which I consider normal, in financial institutions like Capitol One only to find out that they knew this was going on and are still doing business with UMG because the representative told me they approached this company about many complaints. Corruption is ruining America and we are loosing our freedoms. They bite the hand that feeds them. Bad things are happening because they sacrifice principles for money. It doesn’t look good for our children who are victims in this secular amoral society.
P.S. I cut up my credit card and will never buy anything advertised on TV or internet. I will also assume a paranoid attitude for protection.
Company Response:
We apologize for any inconvenience you experienced. You may contact us by responding to the e-mail link sent to you from My3Cents.com and we will be happy to explain how you became a member and address any of your concerns.
Comments:
Posted by dan gordon on 2009-07-06:
I'm sorry this happened but when you order things over the phone they always try to sell you somehting else. It happens on every call. You signed up, you may not think you did but I assure you, the telemarketer has your phone call on tape. They ask you something innocent like we'd like to give you 90 days free to try out this service and if your not happy just call us in the firt xx days and we will cancel service. Since you didn't call you agreed to the service. Sort of like the auto ship programs that lots of these guys use. Its not Capitol One's job to police your acct, thats your issue.
Posted by Anonymous on 2009-07-07:
There is a fraud liability program, but the customer has to report the fraud in a timely enough manner that the charge can be charged-back. This is why you got some of it back, but not all.
Posted by Conscience on 2009-07-21:
Thank you dan gordon for your info, except for the last part.It's my job to police my account and not Capital One's issue. I agree but Capital One made it their issue; quote "$O Fraud Liability. You can rest easy with our Early Fraud Detection Program. A team of specialists monitors all our accounts 24/7 for suspicious activity. As soon as something sets off a red flag, we'll let you know. This system stops most cases of fraud, but just in case one slips through, you have $0 fraud liabiliby. That means if your card is lost or stolen, you won't have to cover the bill. Please note $0 fraud liability claims are subject to verification and investigation." Capital One's rep. knew of many complaints about UMG Buyersedge. When they saw a "red flag" ( I assumed they were telling the truth about their 24/7 monitoring program which showed 11 consistent charges from a questionable company) they could have notified me to check it out. I have dealt with a marketing company in the past and was made very aware of their business policies; not so with UMG. Fool me once, shame on you; fool me twice, shame on me. Of course its hard to shame a shameless group especially when they use truth as a tool and not as a principle. Now, I understand that some credit card companies are offering discounts to their debters; some as high as 50%. I guess "1/2 loave of bread is better than none."
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