March 17th, 2009

How does Healthy Living Essentials and Cigarrest get away charging Debit cards without notice?

Sandra K asked:


I was charged $1.00 on 9/28 by Living Essentials and then charged $69.90 on the 29th. This was done without my approval.
I even called Cigarrest not to send anymore but got charged anyways. This has also cost me $40.00 in NSF charges. I want my money back. This is a scam.

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This entry was posted on Tuesday, March 17th, 2009 at 1:11 pm and is filed under Healthy Living. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

3 Responses to “How does Healthy Living Essentials and Cigarrest get away charging Debit cards without notice?”

  1. Melissa C Says:
    March 20th, 2009 at 11:40 am

    Same thing happened to my neighbor.Call the BBB.It took a while but she got her money back.They told her there were over 500 complaints against this company,It is one company with many names.Good luck!!

  2. MLC2345 Says:
    March 20th, 2009 at 4:20 pm

    Have you gotten any FREE business cards or anything like that from Vista Print recently. They have some tricky wording where you can sign up for other products while getting their FREE stuff.

    If you have…that is what happened.

  3. gpatrick900 Says:
    March 21st, 2009 at 9:06 am

    Go to your bank tomorrow (Take your card with you.) and report this charge as fraudulent. Request them to to hot card your debit card. So no more recurring charges can appear. If your debit card has a MasterCard or Visa. Tell them your are claiming their zero liability policy. You should get that money back plus your NSF charges and be removed from either check systems or telcheck

    IF they won’t do the zero policy. They must do this under the EFTA. Either way you should get your money back.

    According to the Ftc
    unauthorized transfers involving only your debit card number (not the loss of the card), you are liable only for transfers that occur after 60 days following the mailing of your bank statement containing the unauthorized use and before you report the loss.