Questia / unfair trade practises
I purchased a Christmas gift for my daughter of an annual subscription from Questia on Dec 12, 2007. I believed it to be non-renewing. On Dec 11, 2008 Qustia took another annual subscription. On Dec 30, 2008 I cancelled the subscription and requested a refund. I have not received one. Here are my concerns, many which I was not previously aware due to their unfair consumer practices:
1. The questia web site does not permit non-renewing subscriptions - even for one-time gifts.
2. The terms were not presented for review - I was required to enter my visa and other personal information to create the account. This is a different screen because it is a gift subscription. They used this other screen to defend their practises to me, but with gifts there are no terms agreed to!!!
3. I did not receive any advance or post-notice that an amount was to be taken from my visa statement for another annual subscription.
4. I did not authorize a second annual subscription amount to be taken from my visa (although their hidden "terms" say so).
5. The web site does not permit the entry of a "date of cancellation", nor does it provide the user any evidence that they processed a cancellation. There is no cancellation transaction number or transaction date. When I cancelled on Dec 30, 2008 they sent an effective date of Dec, 2009.
6. The web site does not permit a transfer to a monthly subscription, only goes back to the create a new subscription screen
7. As a purchaser I received NO benefit from the advance subscription Questia took from my Visa. THIS IS AN ADVANCE, I or my daughter DID NOT USE THEIR SERVICES AT ALL for the unauthorized [protected] subscription term!! Questia told my Visa the opposite so they could recover the subscription amount that had been reversed.
8. After much negotiation, several cancellation attempts, and many emails questia "offered" what they called a prorated refund of $50.00. The actual prorated amount should be $95.02 if it were based on my cancellation date. As I requested a charge back from my visa(which Visa refused due to the "terms" sent by Questia)Questia said "The prorated refund previously offered is no longer valid as the charges were disputed". I proved to Questia several times, provided VISA docs to them that I had not received a refund from Visa, but they continued to give this same answer.
9. Most concerning, is that I have NO WAY of removing my financial Visa data from the records held at Questia - their web site does not give me access to this information!!
Please assist and protect me and other consumers from the unfair business practices of QUESTIA.