Consumer Alert: Risk-free trials may not be free
It's a sales practice that's becoming more and more popular among Internet companies that want to sell you a product. But at the same time it's also left tens of thousands of consumers across the country confused and feeling misled. October 23rd, 2008 @ 10:05pm
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If you want restoration of an old practice leave it be and dont let them know how things go bad...
Ignorance is not bliss when everyone is so ignorant
How can you justify being stupid?
I agree with paulsaul20: "if you bought it why would you expect more than your money's worth".
If companies were required to give all the terms of an offer over the phone it could take an hour or more. Also you cannot expect the terms to be on the top of a website because you would NEVER actually get to what the product is or why you should buy it.
Its silly just to think that an article would be written putting such a spin on business this way instead of discussing the lack of common sense that some people have when buying things.
... Say what? You have to look all the way down at the bottom of the page??? Now that's a scam if I've ever heard one!
Duh folks! People don't even feel like they have to read the agreement before signing up for something because if they don't like the agreement after they find out what it is they just report the company and act like a victum.
Grow up people!
Yes, consumers should take some responsibility, but I'm glad that the state consumer protection and the BBB help people when companies aren't upfront.
Too bad businesses aren't more honest to begin with, so we wouldn't have to read all the small print.
My mom ran into this with a fax service. She now uses a pre paid credit card for any transaction she is doing with companies she considers to be a "one time thing"
The average i.q. is 100 by definition. That means at least half the population is operating at a deficit. Try having a little compassion. Not everyone may be as wise as you cruel commentators.
I tried Focus Factor about 8 years ago when it was first advertised on TV. I called and canceled according to their advertised policy. Guess what. They kept sending their product and charging my credit card. I had to dispute three months of charges through my credit card company. What a pain.
So I learned my lesson. Never again have I accepted a free trial offer.
A lot of older people don't understand how to deal with these unscrupulous companies, so try to have a bit of compassion like the rest of the human race.
The medicine show lives on it would seem.
I had a magazine company i got a 6 month free trial from try to bill me for those 6 months plus a 2 year subscription. I called and said dude cancel this i owe nothing send me a letter stating i owe zero/zilch/ nothing or the next time we speak will be in a court room. Amazing hows they lay off when you call from the court house ready to file papers. If they are out of State file in Federal court the court retains over State lines in Federal court. If they are over sea's don't even waste the time.
What about the consumers that get the free trial and cancel before the 10 days are up? They get a free trial. Should the company sue them in federal court? Of course not.
If you going to talk about misleading advertising someone should do an interview with GOLDS GYM. There gimmicks and sales people drive me nuts. They should have to disclose ALL the terms in there advertising not just 20 $ of month. They don't even have terms and conditions!
There- "There it is"
Their- "their tactics are misleading"
They're- "they're not going to give your money back"
On the other hand, consumers should be responsible, too. Free trial products are quite common, so many people could fall for this scam. However, you should always be clear on what you are agreeing to, especially if it's something on the internet. These days, the best thing to do is to get a referral from a friend before trying anything new.
If anybody knows the names of the people behind this fraud, please post them so that we can all blacklist them from commerce of any sort. We need some good ole fashioned community organizing. Boycott any grocery stores that sell these predators food: I say we should starve them out of our community.
2.A WOMAN HER AGE CAN'T BE THAT STUPID.
3. SHE SHOULD CALL THE CREDIT CARD COMPANY IMMEDIATELY AND STOP ANY FURTHER PURCHASES FROM THIS COMPANY.
4. ALL OF THE ABOVE I HAVE BEEN THROUGH WITH MY TEENAGERS WHEN THEY WERE FIRST TAUGHT ABOUT CREDIT RESPONSABILITY. THIS LADY SHOULD JUST EAT THE EXPENSES. JUST BECAUSE SHE IS STUPID, THE CREDIT CARD COMPANY SHOULDN'T HAVE TO EAT THE EXPENSE.
5. IT'S BUYER BEWARE.
[Please don't shout with ALL CAPS.]
I've found that treating people with compassion leads others to treat me that way when I need it. Whenever I see an older person, I think to myself, "how would their grandchildren like me to treat them?"
Drop the a-hole attitude, you'll live longer.
I went to Home Despot (sometimes spelled Depot) for some paint and other supplies. The nice clerk talked me into signing up for a HD credit card. I got 10% off my first purchase ($97), and 6 months interest free. The 30 minutes it took certainly soured the $10 I saved.
When the statement came, I just put it aside, knowing I had 6 months to pay. The following month, I get a statement with $2 in interest AND a $20 late fee added on. I called to see what the deal was, and was told that I had to buy $300 or more to get the 6 months interest free deal. There went my 10% savings times two! Luckily, they reversed the charges, I paid the REAL bill, and ran the card through my shredder.
When it comes to money, you can't trust ANYBODY!
Bait and switches are illegal, but hard to prove. And most companies, legitimate ones make sure to fully comply with the law in this. That is why, all over the HD advertisements for this special, it mentions that you must spend "x" amount.
So either A, you didn't pay attention or B the sales person was misinformed. But the information would have been right there in the Terms and Conditions. Maybe you should have used some of that 30 minutes to know what you were signing up for.
It's like people who sign up for adjustable rate mortgages, not really understanding how they work, and then freak out when the rate adjusts.
At some point consumers need to buck up and take responsibility for their purchases, signatures, agreements, etc.
Too many are blaming the lady for being too hasty, and getting downright harsh with her. Yes, she should have read further, but how many of you have read all of the fine print of every agreement you have signed up with? Have you read the fine print for your internet service provider? How about your cell phone contract, your Dish / Comcast / DirecTV contract, etc? How many of you know that most of the websites you post on have agreements to gather some information from your activity, including other sites you visit, etc? Did you read all of the fine print on the biggest investment in your life, your mortgage, or did you take their word for it on what each and every page you were signing meant?
Did you even bother to read the fine print below the button on this webpage where you submit comments to this forum?
Ok, pots, let's start calling this kettle black.
I have read the terms and conditions for all contracts I sign, from the gym membership to the cell phone. Anytime I give my credit card number out online I read all of the fine print, I check the security of the website and pay attention to the account I used.
Because in the end, I am responsible for myself, not my friends, not my family and sure as hell not some company.
While it is too bad that the woman didn't due her due diligence, this is not something that represents a need to peruse legal action against the company. I am guessing she is playing a game of a noisy wheel getting greased. In the end this was a woman that wanted something for nothing and didn't understand what the definition of free TRIAL is. It did not state free product, it stated free TRIAL.
And I get makeup this way. Comes every 90 days and I pay a discounted price for having auto-ship.
The lady in the story says "They're taking money out of my bank account and I didn't authorize it" when it actuality she did in fact authorize it. I agree this site was being on the shady side by only making the terms a not-so-obvious link, but get real, if you are entering a credit card to make a purchase, read up and educate yourself before clicking "buy."
This kind of story just bothers me because it further allows consumers to justify relinquishing responsibility for their own actions. Sure, companies need to be straightforward, but don't categorize an entire industry and even a marketing practice by the actions of one company. Especially don't categorize it by what the BBB says; anything they comment is clearly biased in their effort to justify their existence.
Just a little FYI for the consumers of the world: there is no "free" offer...ever. Even if there isn't a negative option associated with an offer, you are at minimum giving your contact information and the right to advertise to you in exchange for your "free" item being offered.
I apologize if this was not your intended statement, but do realize there is a whole movement of people doing this with online purchases. There are forums that "teach" people how to trick offers to try and get freebies this way.
This isn't about credit cards expiring, it's about your real intent when trying to "trick" an offer by circumventing a system. If you are going into something intending to not follow through on your agreement, you are conducting your own version of defrauding a company.
I am not talking about negative options specifically, I am talking about the practice of using gift/prepaid cards to try and get around your responsibilities as a consumer. This is something anyone associated with billing, especially electronic merchant account management, is aware of. The credit card companies don't allow you to distinguish between a gift card and a regular credit card either, so the business has no way of qualifying the customer purchase.
In my final opinion, the customer needs to be protected against shady practices for sure. I am all for that. Unfortunately there are little to no safeguards available for businesses to be protected against dishonest consumers.
Having worked in an industry dealing with online merchant account billing for over 12 years, I think I have more than the average understanding of how the credit card system works. In fact, it is the issues with the merchant banking system that I have the biggest beef. They side with the consumer almost without any verification, leaving fraudsters with a wide open opportunity to manipulate the retail system.
I really shouldn't keep replying in this little side argument because you are digging your hole sufficiently deep on your own.
I really like the temporary card number idea, and use it, as I say below. It protects me. The first time someone's database gets hacked and somebody gets my info, including this card number, any hassle I've incurred using this method has payed for itself.
By all means, make a purchase of this kind AND opt out of the the reoccurring offer within the stated terms, then I agree with the wisdom of the practice. Whether @ThinkMoreTalkLess meant this and I misunderstood at the outset or changed his tone midway in the debate, I really don't know. I do speak to the questionable honesty of the specific practice of tricking retailers and not to the common sense of protecting yourself.
My credit card statement shows the charge just the same as any other. It just prevents the number from being used in excess of a set limit, time limit or one time use depending on what options I choose when I make the request from the credit card company, which I can do in less than a minute. When I make a purchase over the telephone or the Internet, I assume they run it through the credit card company approval process to ensure they will get paid. At that point unless I protest the charges, why wouldn't they be paid? People get skinned for additional products they did not intend to buy with these companies mentioned in the article all the time regardless of the fine print or hidden disclosures. My suggestion prevents this.
Besides if the product they keep shipping more of were to be so worthless that they don't bother to confirm the credit card number each time before shipping, doesn't that say something too?
Last, but not least Citbank, Discover and other banks offer these features to protect consumers and reduce fraud not promote it. Bottom line - if merchants are using best practices one time numbers won't harm them. If a merchant sends me a second shipment of a risk free trial without re-verifying my credit card, I have no sympathy for them. Besides they are probably scamming anyway. Thanks for your comments.
Direct TV Sucks!
All of the information you need is right here on the internet. If you signed up on the internet all the information would have been provided to you. If you signed up on the phone the representative would have reviewed the major points for you.
And I can't find a source, but I am fairly certain that in Utah you have a certain amount of time (I think it is 30 days) to void a contract. Maybe someone can verify this.
Nothing new here.
Poor wages
So I thought, well at 30 days they will send me a reminder email stating that my free trial was up and either I should sign up or not. (common practice for internet free trial evals). How naive of me! At 30 days I noticed a debit from my account of $191.76! I spoke with their online chat person, and after speaking to three people (online only) and sending an email to dispute resolution, I finally got a "courtesy refund". (they still argued that the charges were valid). So you can call me stupid for checking out the free trial, but for those of you who would do the same thing, be forwarned!