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Old 07-17-2008, 02:14 AM   #1
NWernBrewer
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Default Anybody had a fraudulent mag subscription?

Just received another phone call from a collection company who is collecting money on an unsolicited magazine subscription that got our information (including acct info and means to access the acct) from the bank we went through.

PSA - 1st off - there is an opt-out or sharing of your personal information with many mainstream banks - specifically through US Bank Corp. They will share your personal information to the extent of giving your acct number and means of drawing through it to various companies that will pay.

The magazine subscription that was refused then charged to our acct and challenged by SWMBO was through a company called US Magazine Provider. The collection company that they deal with is LBA (Luebke Baker and Associates out of Peoria, IL.) DO NOT talk with them and call your bank if you are contacted by them. It is 3 years after USMP called offering a subscription package that was refused and we started receiving calls from LBA again recently.

The last call was 10-15 min ago and we will be contacting a lawyer for advice - I just wanted to warn anybody about this and also ask a question.

Have any of you dealt with something similar or exactly like this before and did you get result? WWWWW&H - it isn't much, a couple of hundred, but the easy option is paying for this out of the brewing fund.

Sorry about the long post and hopefully we can get this taken care of without a credit blemish (although I know it will cost more then just paying the da*n thing.)

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Old 07-17-2008, 02:30 AM   #2
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What got charged? A bank account or credit. Or are they just saying you owe them money.

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Old 07-17-2008, 02:36 AM   #3
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FYI -

http://www.ripoffreport.com/reports/...Off0130687.htm

http://www.ripoffreport.com/reports/...off0114510.htm

http://www.consumeraffairs.com/scam_alerts/cms.html

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Old 07-17-2008, 02:47 AM   #4
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I had this happen once and filed better business complaints against everyone involved, including the magazine publisher, and the magazine publisher put an end to it. I can't remember the companies involved though. You should also contact your state Attorney General's office and the AG's office in the state of these companies by letter or email (like the BBB, many AG's offices allow you to file a complaint online.)

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Old 07-17-2008, 02:55 AM   #5
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Once you tell them that you don't recognize the debt and would like to use the courts to mediate, they cannot contact you directly again. If they do, three times, you can file a harassment complaint. As a civil suit you can claim damages. Don't get a lawyer or anything like that; just file yourself. They need to pay a lawyer each time you file a document, incorrectly or not. Just keep filing. This is the method they use. They want to wear you down emotionally and financially. Treat it like a sport. Have some fun. Be really, really expensive for them. Incompetence is your friend. Try not to actually get to court until you cost them so bloody much that it's silly. I usually go for at least 10x the claimed debt. Never actually got that far before they caved.

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Old 07-17-2008, 02:57 AM   #6
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Quote:
Originally Posted by newell456 View Post
I had this happen once and filed better business complaints against everyone involved, including the magazine publisher, and the magazine publisher put an end to it. I can't remember the companies involved though. You should also contact your state Attorney General's office and the AG's office in the state of these companies by letter or email (like the BBB, many AG's offices allow you to file a complaint online.)

Yeah, that's a good first step. They contact the business directly to look for resolution. If the business responds negatively, or not at all, they get a black mark. That right there is worth the subscription fee. Be creative. Do they have an association of some kind? Send a letter to them too.
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Old 07-17-2008, 03:05 AM   #7
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Yes - Contact the Federal Trade Commission, Better Business Bureau, States attorney.

If necessary get a new bank/credit card.

DON"T PAY A PENNY. A little blip on a credit report is nothing. Especially if you show a track record of paying your bills. You can also do your own credit check. See if anything is on there. Odds are they can't do it and are phishing for quick cash.


If you have a twisted sense of humor, mess with those f'n bastards...

Be sincere and give them fake credit cards numbers.

If it was a guy; (Be serious)

  • I 'd say " I don't have time to talk to you. I didn't mean to kill her.... She was just pissing me the f--- Off. Call me later I gotta go hide the body... click
  • Pretend you are going to commit suicide... make him talk you down
  • Keep asking if he can transfer you to some hot sexy beotch.
If its a girl;
  • Ask her what she is wearing. Say shes got a sexy voice.....
  • Ask does she like it doggy style.
  • Ask have you ever pierced your nipples?
  • Tell her you are jerking off right now, so don't stop talking...
Make them pay for bothering you....
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Last edited by Schlenkerla; 07-17-2008 at 03:16 AM.
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Old 07-17-2008, 03:10 AM   #8
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Quote:
Originally Posted by Schlenkerla View Post
Yes - Contact the Federal Trade Commission, Better Business Bureau, States attorney.

If necessary get a new bank/credit card.


If you have a twisted sense of humor, mess with those f'n bastards...

Be sincere and give them fake credit cards numbers.

If it was a guy; (Be serious)
  • I 'd say " I don't have time to talk to you. I didn't mean to kill her.... She was just pissing me the f--- Off. Call me later I gotta go hide the body... click
  • Pretend you are going to commit suicide... make him talk you down
  • Keep asking if he can transfer you to some hot sexy beotch.
If its a girl;
  • Ask her what she is wearing. Say shes got a sexy voice.....
  • Ask does she like it doggy style.
  • Ask have you ever pierced your nipples?
Make them pay for bothering you....
Sorry, Schlenk, I disagree with you here. All you're doing is messing with the poor schmuck on the phone. You need to hit them in the wallet. That will get management's attention. They're the ones who set policy and pay the lawyers.
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Old 07-17-2008, 03:20 AM   #9
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Some of those people are pretty obnoxious. The people who used to have my home phone number were deadbeats. The a$$holes they owe keep calling us, going on 5 years, are rude as hell too. It starts to annoy me to no end.

I know what you mean. I only say this to blow off steam.

I saw something on 20/20 where they are downright mean people lying and making false threats. If you truely don't owe them they have no right to be that way.

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|Myeast 50327|Easy Hop Oast|Smoked Homebrew|

Last edited by Schlenkerla; 07-17-2008 at 03:23 AM.
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Old 07-17-2008, 03:23 AM   #10
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They hit our bank account directly. We disputed it with the bank and they stopped the charges and reimbursed the account. We have changed accounts and addresses since this has happened. We never received a single magazine from this. We are on tape with the original company. This fraud goes beyond the shady collection agency. I do like the idea of complaing directly to the publishing company.

I hope to find a lawyer friend to put his name on a couple of documents pro bono. I will give him some homebrew...

I partly wanted to let people know that this happens without your cooperation - like I said the BANK gave them access to the account initially.

Thanks for the suggestion and help guys - I will keep you posted.

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