Consumer Protection Law

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I used a credit consolidation (debt solutions) service

I used a credit...

I used a credit consolidation (debt solutions) service several years ago to consolidate my credit card debt. I finished paying the debt off in January 2013. Today as I review my checking account I notice a bill for 49.00 for Consumer Education. I called the service and found there was a benefits portion tied to that program that continued to take money from my account. I called the service and they said I failed to discontinue their service. I said I didn't know about it. They said they sent me a new membership card and then gave me the wrong address. When I told them I didn't live there and they made a mistake they said it was my fault because I didn't notify them of the address change. I didn't change my address and they said I did. The credit card service always sent information to my correct address and they are affiliated with the company.

Lawyer's Assistant: What state is this in? And when did the issue begin?

I' in Georgia. The service is in California.

Lawyer's Assistant: Has anything been filed or reported?

I just stopped payment with my bank today. Nothing else has been done,

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

I had a bad argument with the manager of the company and she hung the phone up on me. I have not been watching my checking account closely because I was being treated for depression at the time this was going on and couldn't handle that large amount of information. I don't remember much about ever signing up for that service and she says she has a signed consent for the service, but she quoted me the wrong address.

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Answered in 9 minutes by:
2/21/2018
Phillips Esq.
Phillips Esq., Attorney-at-Law
Category: Consumer Protection Law
Satisfied Customers: 22,062
Experience: B.A.; M.B.A.; J.D.
Verified

Hello: This is Phillipsesq. Welcome to JustAnswer! I am reviewing your post, and I will post my response very shortly. Thank you for your patience.

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I am sorry to read about your difficulties.

I have carefully reviewed your post. However, I did not see a specific question. What is your specific question?

Thank you for your cooperation.

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Customer reply replied 4 months ago
I want to be refunded the $2,450.00 they took for me. Do I have a legal leg to stand on to ask for that money back.
Customer reply replied 4 months ago
I have put in my credit card information twice for a valid card and your system won't accept it.

Thank you for the information.

I am sorry that you are having issues with the site. Kindly know that I do not participate in the phone call program. Thus, I cannot accept your phone call offer anyway. However, another Attorney who participates in the program may accept your offer.

Kindly give me few minutes to prepare my response to your question.

Thank you for your cooperation.

Ask Your Own Consumer Protection Law Question

Did you receive initial notice from the "credit card service" about this charge of $49.00?

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Customer reply replied 4 months ago
I don't remember. I may have. It was 2011 or 2012 that the service began. She said she had a signed paper about the service.

Kindly note that I do not participate in the phone call program. So, I will not be able to accept any phone call request. However, another Attorney who participates in the program may accept your offer.

Ask Your Own Consumer Protection Law Question
Customer reply replied 4 months ago
Did you send another reply after asking about the initial sign up? I didn't get it.

I am now preparing my response to your question.

Kindly give me time to do so and get back to you.

Thank you for your cooperation.

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Customer reply replied 4 months ago
Sorry, my phone pinged saying there was a response.

Your Question:

I want to be refunded the $2,450.00 they took for me. Do I have a legal leg to stand on to ask for that money back.

Response: Yes, you do even if you may have signed up for the service and forgot to cancel it because you never received the membership card that would have alerted of the service and ways to cancel it if you no longer want the service. It is NOT your fault that the Membership Card was sent to the wrong address.

You need to make a formal written demand for refund of the money taken from your account. If your demand is ignored or declined, then you need to file a Small Claim case against the company at your local Magistrate Courthouse for refund of the money. You would need to attach evidence of the debits on your bank account to your complaint.

You can obtain Small Claims forms at your local Courthouse (Magistrate Court) in the Clerk's Office or online.

Goodluck with your case,

A 5-star positive rating to my response is appreciated so that I can receive credit for responding to your post. There is no additional cost to you for giving a positive rating. However, that is how I get paid for answering questions on this site.

Thank you for your cooperation.

Phillips Esq.
Phillips Esq., Attorney-at-Law
Category: Consumer Protection Law
Satisfied Customers: 22,062
Experience: B.A.; M.B.A.; J.D.
Verified
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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