Foreclosure Agency / unauthorized charges
This is a letter I wrote to my credit card company
My name is xxxxx and I am writing to inform you that I am contesting charges that have been debited from my Capitol One debit card ending in xxxx. The company that charged my account is called The Foreclosure Agency [protected]).
The Foreclosure Agency was advertising on the radio, and they claimed to offer a free listing of foreclosed homes. I called the 1800 number to sign up and receive a one week free trial of listings. They took my contact information, as well as my credit card number, and informed me that I would receive the listing in the mail within 3 days. After the one week trial the customer representative, named Ashley at extension 1507, informed me that I could continue to work with their program for 9.95 per week, or I could cancel at anytime. The customer representative also informed me that I could access the information on their website immediately, and she provided me with a user name and password. Ashley then proceeded to ask me if I would like to sign up for other programs to receive gifts and coupons at a cost of 39.80 per month. At which time I declined the offer.
I never received a listing, nor was I able to access their website at anytime. I called the number the company provided to cancel my order, but I was never able to reach anyone. By that I mean, the phone never rang, and then I was disconnected. On November 27 at 230am my account was debited in the amount of 39.80 transaction number xxxxxx. It appears they charge me for the free gifts and coupons program, the program in which I declined.
In short, I did not authorize the company to debit my account for the weekly charge of 9.95; I was only interested in a free trial. Nor did I authorize a payment of 39.80 for any extra programs. I only authorized a charge in the amount of 1.95 for shipping of the foreclosed listing they promised, which, of course, I never received. Thank you for your kind and immediate attention to this matter. And HAPPY HOLIDAYS!