Mydownloading.com is ripping me off!

[Jennifer K]

check it out.. sounds like a scam...look at the name

Do Knott Tell

and aim is Aol instant messanger, thats all i was going to show you... its info about who owns the website...

Oh wow. I can't make it out. Can I get that from Msn instant messanger?

Jennifer K Reviewed by Jennifer K on 04-26-2006. Mydownloading.com is ripping me off! Hey gang I could use some help. I was charged $52 for Mydownloading.com on my bank statement. I NEVER authorized this purchase, hell I don't even know what it is for. I have been trying to contact them by phone, but with no password or confirmation notice, I can't access their phone number off the site. If anyone has a phone number for this site I could use I would really appreciate it. Thanx.:( Rating: 5

[TheAstronaut]

To get aim you can Click here MSN messenger is the same idea but they are totally separate

so if you get aim, my screen name is musicinhighplcs

sorry i couldn't really help ya, good luck

[Jennifer K]

Ok I have It now. Thanx alot I'm going to try-lol-to read it. You think it's a scam so do I from what I read at the site. I didn't understand some of it but it sounded something like pay-pal only one payed for it. Didn't make sense to me. I just wish I knew how they got my credit card number. I guess tht's why they aren't putting out their phone number. Thanx again:stoned:

[Cannabis.com]

Never heard of them, but after doing a few searches it appears some smaller on-line music services are billed through them; came across many complaints about their billing.

Your bank wants a notarize form? -that's really bizarre!!

... or do you mean they simply asked you to sign some papers?

Requiring a notarized form for a small bogus charge is a new one on me...

Personally, I never use my debit card on-line anywhere ... always a regular credit card... if someone steals that, I'm not out anything beyond the hassle of contacting them - about once or twice a year I come across a bogus charge on my personal cards - I heavily use on-line commerce.

Of course that doesn't preclude someone from stealing one's debit card number ... so an a better measure for people who rely heavily on their bank account to pay bills is to get a checking account without the debit card option, which eliminates the debit card security issue completely; there are still other potential "holes", such as echecks (ACH), but are less exploited ...

Again, debit cards by far is among the biggest risk and should be avoided - get a checking account without one ... that eliminates most potential fraud problems.

On a related note, you likely legally have upwards of 60 days from the statement date to dispute the bogus charge; similar goes for bogus echecks (ACH) transactions.

Either there is some detail you're leaving out or the bank is messing with you big time...

Ron

[Cannabis.com]

An addendum ...

Avoid signing up for "Verified by Visa" and the similar service that MasterCard offers ... doing so often shifts much of the liability for on-line transactions, including bogus ones, to the cardholder ...

Verified by Visa passcodes can potentially be stolen and thus doesn't prevent one from being victimized ... but worse, one in such a situation often has less legal recourse than they would have otherwise.

Carders seem to have little difficulty getting CVV codes and thus it's no stretch to believe they can likely get Verified by Visa passcodes, etc in bulk too ...

In short, for now, in my view, it's best to avoid Verified by Visa and similar security schemes offered by MasterCard.

Ron

[Jennifer K]

Thanx Ron for the info. Good advice everyone that shops online can and should use. I'm calling the bank asap. Never have had any problems with this bank before and I'm new at this fraud stuff, so I'll be asking them a few more questions thanks to your info. Really appreciate it! And thanx to TheAstronaut and God v2.0 for their helpfulness too! God I just love being a member of this site! :dance: :stoned:

[Cannabis.com]

How does it show up on your bank statement? ... that is to say, is it showing up as a "charge"? ... or as some other payment type?

Deny, deny, deny ... keep details to a minimum, since too many will likely confuse the issue and add paperwork ... if you (assumes you're the only authorized signer; joint bank accts can get tricky depending on one's personal situation) honestly don't recall making any such purchase and made a good faith effort to contact the merchant, then it's up to the bank to reverse the charge ...

Ron

p.s. yes, there are many helpful people here :thumbsup: