anamika
12-28-2007, 03:49 PM
Hi all,
To make a long story short, I was planning to sign up DD for a gym class. I called the place, gave them my CC number (stupid, stupid me) and while talking to the lady, I changed my mind and decided not to go ahead and sign up. I told her not to charge my CC and I would call back in 10 mins if I was interested. Never called back. They called my DH twice or thrice to ask we were still interested. The next CC statement has a charge for $220 from them.
I have been trying to dispute the charge but I just got a letter from the CC company that I need to pay!! I can't believe it. It's a completely unauthorized charge. And the CC company said something like it will be reported as non-payment and I may have to pay fees.
Anyway, my question is what do I do next? DH is saying to fight more - what steps should we take for this? TAlk more to the CC? It sounds like they've washed their hands off the matter. Who else can we talk to? Is it worth the time and stress?
Or should just cut my losses and write it off as a lesson learned?
I really don't want to let them get away with this and I'm completely burned up that they may get away with it but I also don't want to waste more energy and time if it's a lost cause, iykwim?
Thanks for any help.
I'm attaching the long and gory details as I sent to my CC company.
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This is in response to XYZ's claim that I signed up my daughter for a gymnastics lesson with them.
I initially filled out a form on their website asking me for details of my child. I then went ahead and called XYZ to get further details. As I recall from my conversation, I asked about availability of space in the class. I was told that spaces were available. I gave my credit card number over the phone. I was then informed that there is an additional $40 charge for registration (no mention of this charge was made before this point nor did I find it on the website). At this point I was hesitant to continue but I wanted to get more information before I decided. I asked them about their refund policy in case my daughter, who is 3, did not like the class. I was told that they did not give refunds only credit to use at XYZ. I had my reservations about this policy and so at this point, I very clearly and emphatically told the lady I was speaking to not to charge my credit card (she still had the number) as I needed to think about this and also discuss it with my husband. I also told her very clearly that I would call back in 10 mins if I decided to go ahead and sign up.
I did not call her back in 10 mins (or ever again, in fact!). I had absolutely no clue that they had in fact gone against my instructions and signed me up for a class. As such I did not check the email account I had given them until much after the class had started. They also did not intimate in their phone messages that my daughter was in fact signed up. I also never received a receipt from XYZ for the unauthorized charge made to my card. The documentation provided by them is irrelevant in light of the fact that the charges were not authorized by me.
I found another much more suitable gymnastics class for my daughter which ran at the same time on Sat morning and signed her up for that. I also discussed my whole conversation with the XYZ with two of my friends and my husband, all of whom will be perfectly willing to testify to the fact that I did not ever in fact give XYZ permission to charge my card and that I was unhappy with their policies.
I hope my account of the conversation and my actions in signing up my daughter for another class all make it amply clear that I never gave XYZ permission to charge my card or sign up my daughter for a class, even though I gave them my card number.
I am absolutely appalled that they would go against my clearly stated wishes and make an unauthorized charge on my credit card. I reiterate that I never authorized XYZ to charge my card for the purposes of signing up for a class.
I hope this helps resolve the issue but I am also perfectly willing to pursue the matter further, if required.
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To make a long story short, I was planning to sign up DD for a gym class. I called the place, gave them my CC number (stupid, stupid me) and while talking to the lady, I changed my mind and decided not to go ahead and sign up. I told her not to charge my CC and I would call back in 10 mins if I was interested. Never called back. They called my DH twice or thrice to ask we were still interested. The next CC statement has a charge for $220 from them.
I have been trying to dispute the charge but I just got a letter from the CC company that I need to pay!! I can't believe it. It's a completely unauthorized charge. And the CC company said something like it will be reported as non-payment and I may have to pay fees.
Anyway, my question is what do I do next? DH is saying to fight more - what steps should we take for this? TAlk more to the CC? It sounds like they've washed their hands off the matter. Who else can we talk to? Is it worth the time and stress?
Or should just cut my losses and write it off as a lesson learned?
I really don't want to let them get away with this and I'm completely burned up that they may get away with it but I also don't want to waste more energy and time if it's a lost cause, iykwim?
Thanks for any help.
I'm attaching the long and gory details as I sent to my CC company.
---------------------------------------------------------------------
This is in response to XYZ's claim that I signed up my daughter for a gymnastics lesson with them.
I initially filled out a form on their website asking me for details of my child. I then went ahead and called XYZ to get further details. As I recall from my conversation, I asked about availability of space in the class. I was told that spaces were available. I gave my credit card number over the phone. I was then informed that there is an additional $40 charge for registration (no mention of this charge was made before this point nor did I find it on the website). At this point I was hesitant to continue but I wanted to get more information before I decided. I asked them about their refund policy in case my daughter, who is 3, did not like the class. I was told that they did not give refunds only credit to use at XYZ. I had my reservations about this policy and so at this point, I very clearly and emphatically told the lady I was speaking to not to charge my credit card (she still had the number) as I needed to think about this and also discuss it with my husband. I also told her very clearly that I would call back in 10 mins if I decided to go ahead and sign up.
I did not call her back in 10 mins (or ever again, in fact!). I had absolutely no clue that they had in fact gone against my instructions and signed me up for a class. As such I did not check the email account I had given them until much after the class had started. They also did not intimate in their phone messages that my daughter was in fact signed up. I also never received a receipt from XYZ for the unauthorized charge made to my card. The documentation provided by them is irrelevant in light of the fact that the charges were not authorized by me.
I found another much more suitable gymnastics class for my daughter which ran at the same time on Sat morning and signed her up for that. I also discussed my whole conversation with the XYZ with two of my friends and my husband, all of whom will be perfectly willing to testify to the fact that I did not ever in fact give XYZ permission to charge my card and that I was unhappy with their policies.
I hope my account of the conversation and my actions in signing up my daughter for another class all make it amply clear that I never gave XYZ permission to charge my card or sign up my daughter for a class, even though I gave them my card number.
I am absolutely appalled that they would go against my clearly stated wishes and make an unauthorized charge on my credit card. I reiterate that I never authorized XYZ to charge my card for the purposes of signing up for a class.
I hope this helps resolve the issue but I am also perfectly willing to pursue the matter further, if required.
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