Money Legal Help - Scam or Legit? - Page 3

Molitoth · 10-23-2018, 01:00 PM

So a few months back, I was stupid --- needed a quick weight loss and ordered some "magic pills" online. Typically I research anything very thoroughly, but this instance decided just to hit the buy button. (I know, I know, anything I put into my body should be very well researched). I admit I was dumber than shit.

That said, the one time purchase I thought I was making turned out to be some type of bullshit subscription (deep down in ton of text in a hidden document on their website). As soon as I saw the occurrence on my credit card bill, I called the company... canceled the reoccurring "service" and then called my CC company whom issued a refund on the scam. I then canceled my entire credit card because this company was fishy as ****.

For instance: I called them and talked to "Joe" to get a refund that they said they couldn't do. Then I call right back and talk to the same guy, but this time he changed his name to "Tom". When I asked for a name, and a case #, he had to think a minute and then just started feeding me bullshit Numbers and Letters that didn't make any sense for a case #.

Now they are sending me statements below and I'm wondering if there is anything they can actually do to me, or WILL do to me considering we are disputing over a $79 charge.

Are they trying to bullshit me into paying them back $79?
---------------

The Chargeback you've filed with your Bank/CC company was sent to XXX for a response. Please review XXX response options they are prepared to exercise. After reviewing your case; XXX has all the necessary evidence and documentation to validate your dispute.

The refund (Provisional Credit) you've received back to your account is temporary and may be reversed to the Merchant which may incur additional financial penalties and affect your credit if the financial liability resolves with your bank. There is still time to resolve your dispute and avoid an Arbitration and any further actions available to XXX.

*Direct Resolution: Cardholders may contact the Chargeback Resolution center to resolve the dispute directly on behalf of the XXX. Your dispute(s) may be resolved immediately by contacting XXX-XXX-XXXX.

Main Reasons for Chargebacks
Primary reasons Cardholders initiate chargebacks:
 they are dissatisfied with merchandise or a service
 they never received the merchandise or service
 the return/exchange policies weren’t clearly visible
 they never authorized the charge (or can’t remember)
 a duplicate charge or a recurring charge doesn’t stop
 currency conversion rates are unexpected

Chargeback Flow
1) A Visa/MC Cardholder contacts the Issuer Bank when they question or dispute a charge to their card.
2) The Issuer Bank credits the Cardholder for the charge while the issue is being investigated, then
initiates the chargeback process by submitting a request to the appropriate Card Association (V,
MC).
3) Per Visa/MC rules, Merchant’s Acquirer issues credit to the Issuer Bank from the Merchant’s account.
4) The Merchant provides proof that the original charge was valid and/or that credit was already
issued. The response back to the Issuer Bank with proof is referred to as Representment or 2nd
Presentment.
5) If the charge is proved valid, the money moves back to the Merchant’s account and the Issuer
Bank charges the Cardholder.

RippedmyFlesh · 10-23-2018, 01:42 PM

Quote:

Originally Posted by DenverChief

Me watching the Chief's defense.

I CAN HANDLE IT!!!

DenverChief · 10-23-2018, 01:47 PM

Quote:

Originally Posted by RippedmyFlesh

Me watching the Chief's defense.

I CAN HANDLE IT!!!

You know I used to be a wreck with our defense but I'm never scared now knowing that Mahomes can get us to a score at any time

BryanBusby · 10-23-2018, 01:57 PM

Sorry dude, Extenze is generally a reliable company

Dayze · 10-23-2018, 01:58 PM

Quote:

Originally Posted by Molitoth

I ALWAYS have a boner. No Pills needed.

Nickhead · 10-23-2018, 02:08 PM

i know a lady selling water for $200/bottle

WhawhaWhat · 10-23-2018, 02:10 PM

The best pills for weight loss are Adderall.

Molitoth · 10-23-2018, 02:40 PM

Quote:

Originally Posted by WhawhaWhat

The best pills for weight loss are Adderall.

The one time I took Adderall, I experienced a reaction that I would have needed to counter with extendz. Hahaha.

Eleazar · 10-23-2018, 03:36 PM

Did it look like this?

ride the snake

**BigRichard** · 10-23-2018, 05:33 PM

Did you get some Badger Milk?

SuperBowl4 · 10-23-2018, 06:00 PM

you want to lose weight? Drink water ONLY. Eat oatmeal with fruit. Salads, no croutons or bread. walk a few miles a day. easy

eDave · 10-23-2018, 06:11 PM

Quote:

Originally Posted by Molitoth

Oh I paid for the bottle of pills and ate that cost, which I was fine with.

This charge was for some type of recurring subscription, that was never mentioned in the purchase until I dug into "Terms and Conditions" link at the very bottom of the order page. Very discretely.

Sounds like it fits one of the reasons for charge backs from your OP:

they never authorized the charge (or can’t remember)

10-23-2018, 01:00 PM
Molitoth Mahomes Fanboi Join Date: Apr 2004 Casino cash: $2964969	Legal Help - Scam or Legit? So a few months back, I was stupid --- needed a quick weight loss and ordered some "magic pills" online. Typically I research anything very thoroughly, but this instance decided just to hit the buy button. (I know, I know, anything I put into my body should be very well researched). I admit I was dumber than shit. That said, the one time purchase I thought I was making turned out to be some type of bullshit subscription (deep down in ton of text in a hidden document on their website). As soon as I saw the occurrence on my credit card bill, I called the company... canceled the reoccurring "service" and then called my CC company whom issued a refund on the scam. I then canceled my entire credit card because this company was fishy as ***. For instance: I called them and talked to "Joe" to get a refund that they said they couldn't do. Then I call right back and talk to the same guy, but this time he changed his name to "Tom".* When I asked for a name, and a case #, he had to think a minute and then just started feeding me bullshit Numbers and Letters that didn't make any sense for a case #. Now they are sending me statements below and I'm wondering if there is anything they can actually do to me, or WILL do to me considering we are disputing over a $79 charge. Are they trying to bullshit me into paying them back $79? --------------- The Chargeback you've filed with your Bank/CC company was sent to XXX for a response. Please review XXX response options they are prepared to exercise. After reviewing your case; XXX has all the necessary evidence and documentation to validate your dispute. The refund (Provisional Credit) you've received back to your account is temporary and may be reversed to the Merchant which may incur additional financial penalties and affect your credit if the financial liability resolves with your bank. There is still time to resolve your dispute and avoid an Arbitration and any further actions available to XXX. *Direct Resolution: Cardholders may contact the Chargeback Resolution center to resolve the dispute directly on behalf of the XXX. Your dispute(s) may be resolved immediately by contacting XXX-XXX-XXXX. Main Reasons for Chargebacks Primary reasons Cardholders initiate chargebacks:  they are dissatisfied with merchandise or a service  they never received the merchandise or service  the return/exchange policies weren’t clearly visible  they never authorized the charge (or can’t remember)  a duplicate charge or a recurring charge doesn’t stop  currency conversion rates are unexpected Chargeback Flow 1) A Visa/MC Cardholder contacts the Issuer Bank when they question or dispute a charge to their card. 2) The Issuer Bank credits the Cardholder for the charge while the issue is being investigated, then initiates the chargeback process by submitting a request to the appropriate Card Association (V, MC). 3) Per Visa/MC rules, Merchant’s Acquirer issues credit to the Issuer Bank from the Merchant’s account. 4) The Merchant provides proof that the original charge was valid and/or that credit was already issued. The response back to the Issuer Bank with proof is referred to as Representment or 2nd Presentment. 5) If the charge is proved valid, the money moves back to the Merchant’s account and the Issuer Bank charges the Cardholder.
Posts: 19,476

10-23-2018, 01:57 PM	#33
BryanBusby In Search of a Life Join Date: Mar 2006 Casino cash: $3779900 VARSITY	Sorry dude, Extenze is generally a reliable company
Posts: 22,207	1 0

10-23-2018, 02:08 PM	#35
Nickhead EvOlVeD Join Date: Jun 2016 Location: Blue Mountains, Australia Casino cash: $2539868	i know a lady selling water for $200/bottle
Posts: 8,220

10-23-2018, 02:10 PM	#36
WhawhaWhat MVP Join Date: Feb 2013 Casino cash: $1581116	The best pills for weight loss are Adderall.
Posts: 17,250

10-23-2018, 03:36 PM	#38
Eleazar Beyond the Rapids Join Date: May 2003 Location: Langley, VA Casino cash: $-370000	Did it look like this? ride the snake
Posts: 80,659

10-23-2018, 05:33 PM	#39
BigRichard Buddy Christ is a Chiefs fan Join Date: Nov 2008 Casino cash: $1889546	Did you get some Badger Milk? __________________ "You know, they lay down with their ugly wives in front of their ugly children and just look at their loser lives and then they look at me and say, "I CAN'T PROCESS IT!" Well, no, and you never will. Stop trying. Just sit back and enjoy the show .... You know?" Carlos Irwin Estevez
Posts: 10,370

10-23-2018, 06:00 PM	#40
SuperBowl4 MVP Join Date: Oct 2012 Location: HERMOSA BEACH,CA Casino cash: $8034900	you want to lose weight? Drink water ONLY. Eat oatmeal with fruit. Salads, no croutons or bread. walk a few miles a day. easy
Posts: 13,560	0 1