| 01/30/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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My complaint pertains to predatory auto-renewal subscription business models that many companies have adopted ( both specifically and generally ) this day and age. Specifically, the Calm app claims that it's a free app, and I must have downloaded it for free about a year ago, because I recently noticed a charge of {$59.00} from the company in my XXXX account. Most importantly, I did not authorize this payment. XXXX advised me to report it as fraud ( which I did ), and then they reissued me a new credit card.
But lo and behold, the charge reappeared in my account after XXXX reported it. After calling XXXX about the resurrected charge, I was told that the dispute had been closed and there was nothing they could do about it on their end. I then contacted Calm and am still trying to convince them ( through XXXX ) to reimburse me for the {$59.00} annual renewal that I did not authorize. I have not used the Calm app at all and don't feel like I should be charged for a service that I do not want access to for another 12 months.
Generally, companies should NOT be allowed to automatically renew their services without the permission of their customers. This is unethical and reinforces the digital scam culture, as many consumers can not keep track of which subscriptions they have and when these subscriptions officially end. Further, consumers do NOT read the fine print and should not be expected to. It's a poorly written piece of communication - a lengthy statement that the layperson can not read thoroughly, not to mention how difficult it would be to remember what is specifically mentioned when one must accept the terms. Companies need to stop preying on the faulty memories of their customers. Stop stealing our money without asking us to authorize another day, month, or year of a service first.
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| 12/08/2014 |
Yes |
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- Credit decision / Underwriting
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Web |
Servicemember |
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| 07/08/2014 |
Yes |
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Referral |
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| 06/04/2014 |
Yes |
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- Settlement process and costs
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Web |
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| 05/28/2013 |
No |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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