Money Legal Help - Scam or Legit? - Page 2

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.

DenverChief · 10-23-2018, 01:21 PM

Quote:

Originally Posted by ptlyon

They really weren't diet pills, were they

Molitoth · 10-23-2018, 01:22 PM

Quote:

Originally Posted by Dartgod

I think you're going to regret posting this thread more than you did buying the diet pills in the first place.

Haha, yeah!

If this is one of my worst moments, so be it.

Molitoth · 10-23-2018, 01:23 PM

Quote:

Originally Posted by ptlyon

They really weren't diet pills, were they

I didn't even think about THAT. lol.

But yeah, I don't have any problem in that department.

RippedmyFlesh · 10-23-2018, 01:24 PM

Quote:

Originally Posted by DenverChief

Always use Amex - their dispute process is so heavily favored towards the customer that any "retailer" that doesn't have a airtight case will just drop it.

And this company selling these pills is built to do this crap. Many unlike the OP would just fold and pay. And legally they may be airtight because fighting to get payments may be more important than a good product.

**Perineum Ripper** · 10-23-2018, 01:26 PM

Where did you find dick growing pills for $79?!?!?!?!?

I have been searching for some cheap ones forever

For a friend, obviously

**luv** · 10-23-2018, 01:27 PM

You paid for the first bottle, and the chargeback is for a second bottle? Did you receive the second bottle? Or are you trying to do a chargeback on the first bottle that you received?

Titty Meat · 10-23-2018, 01:28 PM

You lost weight you shouldnt have stopped and the pills did what they were supposed to. No refund for you.

Btw did you have a boner for days?

DenverChief · 10-23-2018, 01:29 PM

Quote:

Originally Posted by RippedmyFlesh

And this company selling these pills is built to do this crap. Many unlike the OP would just fold and pay. And legally they may be airtight because fighting to get payments may be more important than a good product.

I'm guessing it's a one man operation based upon OP statements...he probably not going to push too hard

Molitoth · 10-23-2018, 01:32 PM

Quote:

Originally Posted by luv

You paid for the first bottle, and the chargeback is for a second bottle? Did you receive the second bottle? Or are you trying to do a chargeback on the first bottle that you received?

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.

Molitoth · 10-23-2018, 01:33 PM

Quote:

Originally Posted by Titty Meat

You lost weight you shouldnt have stopped and the pills did what they were supposed to. No refund for you.

Btw did you have a boner for days?

I ALWAYS have a boner. No Pills needed.

**luv** · 10-23-2018, 01:36 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.

Subscription to what, though? Literature of some kind, additional products? If you haven't received anything from them, I don't see where there is an issue getting the charge canceled.

RippedmyFlesh · 10-23-2018, 01:36 PM

Quote:

Originally Posted by DenverChief

I'm guessing it's a one man operation based upon OP statements...he probably not going to push too hard

Molitoth · 10-23-2018, 01:37 PM

I highly recommend this company, they are awesome! Along with their product!

Note: This is not slander.

https://ketoxfactor.com/v5/offer.php...12318889&c3=c3

DenverChief · 10-23-2018, 01:38 PM

Quote:

Originally Posted by RippedmyFlesh

journeyscarab · 10-23-2018, 01:41 PM

NSFW. One of the best complaint line bits!

10-23-2018, 01:00 PM
Molitoth Mahomes Fanboi Join Date: Apr 2004 Casino cash: $3004969	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: 19,473

10-23-2018, 01:26 PM	#20
Perineum Ripper Supporter Join Date: Jan 2014 Location: Missouri Casino cash: $1979542	Where did you find dick growing pills for $79?!?!?!?!? I have been searching for some cheap ones forever For a friend, obviously
Posts: 5,207

10-23-2018, 01:27 PM	#21
luv MY LITTLE #15 Join Date: Dec 2004 Location: Springfield, MO Casino cash: $6279600	You paid for the first bottle, and the chargeback is for a second bottle? Did you receive the second bottle? Or are you trying to do a chargeback on the first bottle that you received?
Posts: 63,424

10-23-2018, 01:28 PM	#22
Titty Meat Inmem 2.0 Join Date: Aug 2007 Location: My house Casino cash: $2327558	You lost weight you shouldnt have stopped and the pills did what they were supposed to. No refund for you. Btw did you have a boner for days?
Posts: 75,041

10-23-2018, 01:37 PM	#28
Molitoth Mahomes Fanboi Join Date: Apr 2004 Casino cash: $3004969	I highly recommend this company, they are awesome! Along with their product! Note: This is not slander. https://ketoxfactor.com/v5/offer.php...12318889&c3=c3
Posts: 19,473

10-23-2018, 01:41 PM	#30
journeyscarab SHOCKERS BABY! Join Date: Sep 2002 Location: Overland Park, KS Casino cash: $3763555	NSFW. One of the best complaint line bits!
Posts: 3,414