
James of Auberry, CA on June 1, 2011
I ordered some music CDs from a Time Life company that advertised on television. I did this in direct deference to my own policy of never ordering anything from Time Life, based on my 33 years' experience as a mailman. Nonetheless, I ordered the CDs and paid for them with my credit card, which I did over the phone. I was pleased with the music, and I watched the credit card statement for the first three months to be sure they were not charging me any interest, as stated in their ad.
At the end of that time, the debt was paid off, and I thought everything was done. Recently, I examined my credit card statement and discovered a charge of $24.95 on it, which I had noticed before, but because of the relatively small charge, I didn't pay it much attention. When I researched my records, I discovered that that charge had occurred on my statement for over a year and a half. I realize that it is my mistake to let that charge go on uncontested for that length of time. However when I called the 800 number listed above and talked to a representative, she informed me that this sort of thing happens quite often.
Obviously, I felt like a fool, but I instructed her to stop taking the payment from me, and I asked her what it was I was supposed to have been receiving. She told me that it was protection for fraud or something of that nature. I told her that I had never received anything in the mail, in writing or otherwise, concerning the service I was paying for. I also asked her how it came about that I was billed all this time for this service. She said that because I didn't decline a service verbally, apparently at some point during the conversation I had when I ordered the CDs, that I was agreeing to this service.
I have no recollection of such an agreement, and I certainly didn't receive anything written at any time from this company. Once again, I take responsibility for not noticing the charge for such a long time. However since I live an active life style, I obviously have not been paying close enough attention to my credit card statement. That has now changed.
My complaint is that this company fanged me for $24.95 for a long time, and I didn't receive any tangible service or value for my money. I didn't know nor do I now know what it is that I was paying for. The company, which shows up as SEM* Value Plus on my credit card statement, never sent me anything in writing. They did however credit my account $24.95 x4 on my most recent credit card statement.
I feel that I am owed a full refund of $24.95 per month, dating back to the time when the order was first placed. I think this is a prime example of fraud, just as it was back when I was carrying mail and I listened to my patrons complain of receiving books and record albums which they did not order. I wonder if mine is the only complaint you have received.