Complaint Review: AP9*HEALTHPLAN IK9 Privacy MattersAP9*HOMEWORKSPLUS - OMAHA Nebraska

The first thing I would like to say is that I am a bank employee, but also a consumer just like you. We all work very hard for our money and get very upset when we feel we have been scammed. I have made many bad choices in my life, I have been scammed, and I understand all of your frustrations. I tell all of my customers that your personal and account information is one of the most important things because it is directly connected to ours lives. When giving out any information (over the internet, telephone, or even filling out paper or subscriptions) we must read all fine print, privacy agreements, terms of service, etc. And if you feel you need to write out that you do not want any of your information disclosed; make a copy as proof. Second, when you see a charge on your account with the description AP9* or IK9* this is an authorized charged; whether you realize it or not. These companies do provide a product or service; whether you use it or not. Although, this is not how I or you may do business, these companies do get your authorization at some point to charge your account. I have had this happen to me as well. I went to Free Credit Report.com to get my "free" credit report. I filled out all of my personal information for my "free" credit report. Of course the site tries to get you to purchase all these other services and I declined. Moving on to the next page I was prompted to sign up for account monitoring provided by privacymatter123. When I realized I had to put in my credit card or debit card number I tried to skip this page. Unfortunately I was not allowed to skip this portion. I either signed up or was denied my "free" credit report. So I read all the fine print, terms of service, etc. It indicated that I pay a dollar for the trial period, if in 30 days I called to cancel, I could request my dollar refund and I would not be charged monthly. If I did not call to cancel the dollar charge would remain and I would be charged until I cancelled. I wrote down all the information I needed to cancel and began to proceed. The very next page was a similar ad. This was for yoursavingsclub; all the same stuff. I could not skip the page, $1 trial period, 30 day cancellation period, etc. I agreed to all that and finally was allowed to get my credit report. So I immediately called after obtaining my credit report, cancelled both services, got my refund of the $1 and all was good. All these companies contract with some you do or have done business with; when you see the * this means that this company is internet based. More that likely they contract with a company you have done business with over the internet. Keep in mind when filling out your information like I described above, just because you "X" out of the window does not mean they may not already have your information. You must make sure you log out, cancel, or at least call the company to make sure your are not charged. Always wait for a confirmation page when cancelling services online (and print them out as proof), and ask for a confirmation number when cancelling services over the phone. Write everything a representative tells you down with there name if you feel something is "phishy". Now that you know how this works please be careful when giving out any information personal or account. If you do notice these charges on your account, call the company right away, cancel the service, and to protect yourself (they may have already sold your information to someone else) close the account and open a new one. This is the only way to protect yourself if they already have your information. Anything else, like closing your debit card and ordering a new one is still risky. Most of these companies will give you a refund if you ask; a word of advice, if you call yelling, cursing, or with an attitude getting a refund will be much harder than if you call to cancel and request on nicely. I hope this information was helpful to you. Spread the word to all friends, family, and loved ones. By the way I work for Wachovia (Wells Fargo - hehehe). Have a great day

The first thing I would like to say is that I am a bank employee, but also a consumer just like you. We all work very hard for our money and get very upset when we feel we have been scammed. I have made many bad choices in my life, I have been scammed, and I understand all of your frustrations. I tell all of my customers that your personal and account information is one of the most important things because it is directly connected to ours lives. When giving out any information (over the internet, telephone, or even filling out paper or subscriptions) we must read all fine print, privacy agreements, terms of service, etc. And if you feel you need to write out that you do not want any of your information disclosed; make a copy as proof. Second, when you see a charge on your account with the description AP9* or IK9* this is an authorized charged; whether you realize it or not. These companies do provide a product or service; whether you use it or not. Although, this is not how I or you may do business, these companies do get your authorization at some point to charge your account. I have had this happen to me as well. I went to Free Credit Report.com to get my "free" credit report. I filled out all of my personal information for my "free" credit report. Of course the site tries to get you to purchase all these other services and I declined. Moving on to the next page I was prompted to sign up for account monitoring provided by privacymatter123. When I realized I had to put in my credit card or debit card number I tried to skip this page. Unfortunately I was not allowed to skip this portion. I either signed up or was denied my "free" credit report. So I read all the fine print, terms of service, etc. It indicated that I pay a dollar for the trial period, if in 30 days I called to cancel, I could request my dollar refund and I would not be charged monthly. If I did not call to cancel the dollar charge would remain and I would be charged until I cancelled. I wrote down all the information I needed to cancel and began to proceed. The very next page was a similar ad. This was for yoursavingsclub; all the same stuff. I could not skip the page, $1 trial period, 30 day cancellation period, etc. I agreed to all that and finally was allowed to get my credit report. So I immediately called after obtaining my credit report, cancelled both services, got my refund of the $1 and all was good. All these companies contract with some you do or have done business with; when you see the * this means that this company is internet based. More that likely they contract with a company you have done business with over the internet. Keep in mind when filling out your information like I described above, just because you "X" out of the window does not mean they may not already have your information. You must make sure you log out, cancel, or at least call the company to make sure your are not charged. Always wait for a confirmation page when cancelling services online (and print them out as proof), and ask for a confirmation number when cancelling services over the phone. Write everything a representative tells you down with there name if you feel something is "phishy". Now that you know how this works please be careful when giving out any information personal or account. If you do notice these charges on your account, call the company right away, cancel the service, and to protect yourself (they may have already sold your information to someone else) close the account and open a new one. This is the only way to protect yourself if they already have your information. Anything else, like closing your debit card and ordering a new one is still risky. Most of these companies will give you a refund if you ask; a word of advice, if you call yelling, cursing, or with an attitude getting a refund will be much harder than if you call to cancel and request on nicely. I hope this information was helpful to you. Spread the word to all friends, family, and loved ones. By the way I work for Wachovia (Wells Fargo - hehehe). Have a great day

The first thing I would like to say is that I am a bank employee, but also a consumer just like you. We all work very hard for our money and get very upset when we feel we have been scammed. I have made many bad choices in my life, I have been scammed, and I understand all of your frustrations. I tell all of my customers that your personal and account information is one of the most important things because it is directly connected to ours lives. When giving out any information (over the internet, telephone, or even filling out paper or subscriptions) we must read all fine print, privacy agreements, terms of service, etc. And if you feel you need to write out that you do not want any of your information disclosed; make a copy as proof. Second, when you see a charge on your account with the description AP9* or IK9* this is an authorized charged; whether you realize it or not. These companies do provide a product or service; whether you use it or not. Although, this is not how I or you may do business, these companies do get your authorization at some point to charge your account. I have had this happen to me as well. I went to Free Credit Report.com to get my "free" credit report. I filled out all of my personal information for my "free" credit report. Of course the site tries to get you to purchase all these other services and I declined. Moving on to the next page I was prompted to sign up for account monitoring provided by privacymatter123. When I realized I had to put in my credit card or debit card number I tried to skip this page. Unfortunately I was not allowed to skip this portion. I either signed up or was denied my "free" credit report. So I read all the fine print, terms of service, etc. It indicated that I pay a dollar for the trial period, if in 30 days I called to cancel, I could request my dollar refund and I would not be charged monthly. If I did not call to cancel the dollar charge would remain and I would be charged until I cancelled. I wrote down all the information I needed to cancel and began to proceed. The very next page was a similar ad. This was for yoursavingsclub; all the same stuff. I could not skip the page, $1 trial period, 30 day cancellation period, etc. I agreed to all that and finally was allowed to get my credit report. So I immediately called after obtaining my credit report, cancelled both services, got my refund of the $1 and all was good. All these companies contract with some you do or have done business with; when you see the * this means that this company is internet based. More that likely they contract with a company you have done business with over the internet. Keep in mind when filling out your information like I described above, just because you "X" out of the window does not mean they may not already have your information. You must make sure you log out, cancel, or at least call the company to make sure your are not charged. Always wait for a confirmation page when cancelling services online (and print them out as proof), and ask for a confirmation number when cancelling services over the phone. Write everything a representative tells you down with there name if you feel something is "phishy". Now that you know how this works please be careful when giving out any information personal or account. If you do notice these charges on your account, call the company right away, cancel the service, and to protect yourself (they may have already sold your information to someone else) close the account and open a new one. This is the only way to protect yourself if they already have your information. Anything else, like closing your debit card and ordering a new one is still risky. Most of these companies will give you a refund if you ask; a word of advice, if you call yelling, cursing, or with an attitude getting a refund will be much harder than if you call to cancel and request on nicely. I hope this information was helpful to you. Spread the word to all friends, family, and loved ones. By the way I work for Wachovia (Wells Fargo - hehehe). Have a great day

The first thing I would like to say is that I am a bank employee, but also a consumer just like you. We all work very hard for our money and get very upset when we feel we have been scammed. I have made many bad choices in my life, I have been scammed, and I understand all of your frustrations. I tell all of my customers that your personal and account information is one of the most important things because it is directly connected to ours lives. When giving out any information (over the internet, telephone, or even filling out paper or subscriptions) we must read all fine print, privacy agreements, terms of service, etc. And if you feel you need to write out that you do not want any of your information disclosed; make a copy as proof. Second, when you see a charge on your account with the description AP9* or IK9* this is an authorized charged; whether you realize it or not. These companies do provide a product or service; whether you use it or not. Although, this is not how I or you may do business, these companies do get your authorization at some point to charge your account. I have had this happen to me as well. I went to Free Credit Report.com to get my "free" credit report. I filled out all of my personal information for my "free" credit report. Of course the site tries to get you to purchase all these other services and I declined. Moving on to the next page I was prompted to sign up for account monitoring provided by privacymatter123. When I realized I had to put in my credit card or debit card number I tried to skip this page. Unfortunately I was not allowed to skip this portion. I either signed up or was denied my "free" credit report. So I read all the fine print, terms of service, etc. It indicated that I pay a dollar for the trial period, if in 30 days I called to cancel, I could request my dollar refund and I would not be charged monthly. If I did not call to cancel the dollar charge would remain and I would be charged until I cancelled. I wrote down all the information I needed to cancel and began to proceed. The very next page was a similar ad. This was for yoursavingsclub; all the same stuff. I could not skip the page, $1 trial period, 30 day cancellation period, etc. I agreed to all that and finally was allowed to get my credit report. So I immediately called after obtaining my credit report, cancelled both services, got my refund of the $1 and all was good. All these companies contract with some you do or have done business with; when you see the * this means that this company is internet based. More that likely they contract with a company you have done business with over the internet. Keep in mind when filling out your information like I described above, just because you "X" out of the window does not mean they may not already have your information. You must make sure you log out, cancel, or at least call the company to make sure your are not charged. Always wait for a confirmation page when cancelling services online (and print them out as proof), and ask for a confirmation number when cancelling services over the phone. Write everything a representative tells you down with there name if you feel something is "phishy". Now that you know how this works please be careful when giving out any information personal or account. If you do notice these charges on your account, call the company right away, cancel the service, and to protect yourself (they may have already sold your information to someone else) close the account and open a new one. This is the only way to protect yourself if they already have your information. Anything else, like closing your debit card and ordering a new one is still risky. Most of these companies will give you a refund if you ask; a word of advice, if you call yelling, cursing, or with an attitude getting a refund will be much harder than if you call to cancel and request on nicely. I hope this information was helpful to you. Spread the word to all friends, family, and loved ones. By the way I work for Wachovia (Wells Fargo - hehehe). Have a great day