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His reward was two skin creams, which cost him $ 6 in postage charges. But when he didn’t return them after 14 days, he found himself automatically enrolled in a subscription deal in which new products arrived every month.
Zwicker, a retired journalist, realized that he had fallen for a slick scam.
“They nicked me to the tune of $ 398.44 that I’ll try to get back. My skin is glowing right now — with anger.”
After he wrote to me, I helped him get the money back from President’s Choice Financial, which arranged for the merchant to give a refund of the unauthorized charges, said PCF spokesperson Lana Gogas. If only all credit card issuers did so without being notified by the media first.
“In November alone, we received complaints where Bell, CIBC, Cogeco, Costco, Derytelecom and Shaw have had their names misused,” says Daniel Williams, senior fraud specialist at the Canadian Anti-Fraud Centre, which is managed by the RCMP, OPP and Competition Bureau.
“The terms and conditions may indicate that the suspect company is based in Latvia or Cyprus — even if the product is being shipped from a Canadian address.”
Williams pointed to another issue. What is in the containers that customers receive?
Rick Rennie, head of risk at MasterCard Canada, said merchants are required to communicate any terms that involve recurring payments. Cardholders must accept these terms separately from other terms, such as by checking a box or clicking a “submit” button.
Visa Canada said it works to detect and address merchants that generate an excessive amount of fraud or disputes. But in a situation where a cardholder expressly authorizes charges by agreeing to terms and conditions and providing personal information to a merchant, it is not fraud and does not fall under the fraud guarantee.
When Bruce Gemmell ordered a skin care product promoted by TV host Dr. Oz, Scotiabank Visa’s security department called him. He was told that his $ 30 order had already been charged to his card, but for $ 400 — plus an automatic refill shipment every month until cancelled.
“He actually took control of the call, even waited with me while on hold for at least 30 minutes. He left nothing to chance, making sure I got proper return information, including where and how to ship the goods (prepaid, insured, confirmation of receipt).