These people--out of the blue--charged me $4.95 to my credit card. I had not dealt with these people in 5 years. It turns out they had been slipping in these "micro charges" to my expired credit card for several years. They make it very, very difficult to reverse the charges--sending forms that require signatures then remailing them back and so forth.

The fact they make charges against expired credit cards and the fact that credit card companies allow them to do this illustrates that there are people out there exploiting loopholes and victimizing people for profit.

I do not know if anyone else has experience with Veterans Advantage (http://www.veteransadvantage.com/), but, I noticed a charge on my credit card for $59.95 that I did not authorize. I called the customer service number which was answered by a "Dan", a mono-talker. I explained to Dan that I did not authorize the charge whereupon he explained the history of the charge... apparently I may have signed up for something a year ago. After hearing his explanation I explained that I was not concerned with the history, did not want their service, and simply wanted the charge refunded to my account. This is when Dan took a turn for the douche. Dan the douche stated that he would mail me a packet of information to complete. After returning the packet the charge would be processed for a refund. I explained to Dan the douche that this was not acceptable and that I simply wanted a refund. Double-D then got forceful, yet still in a monotone voice, that he would not give me my refund. I then asked to talk to the Douche's supervisor to which he replied in a louder monotone voice, "no you may not". I then asked him to tell me his name again and to speak to his supervisor. Again, he said, "no you may not". I asked his last name and he told me it was "none of my business". I then asked, "are you telling me that you are not going to give me a refund AND you are not going to let me speak to a supervisor"? He then monotonely said, "you will hold". I waited a few minutes and the call was answered by a Crystal who said she was a supervisor. I explained the situation to her and Dan's outright douchebaggedness and she agreed to process the refund (within 24 hours). After I got off the phone I was still unnerved by Dan... cannot believe I let that douchebag get to me like that... so, I called their offices in Connecticut. After hitting the extension for the CEO, the phone was answered by a receptionist who apparently know who I was by caller-ID. She confirmed that a refund was being processed before I could get two words out of my mouth. I explained to this person that I wanted to speak with someone in executive management regarding the handling of my call by Dan. She explained that the call was recorded and that they would review the call. Learning that the call was recorded without my consent (PA and CT are two-party consent states) and there was no disclosure I found myself a little angrier and have now demanded a call back from Mr. Scott Higgins, their CEO. It should be noted that I do not care that that call was recorded, I am actually happy it was, I am just bothered with their lack of disclosure.

Details to follow.

I received unsolicited documents in the mail for Veteran's Advantage, I tried to access them on the web but I needed a password which they did not provide, On my current statement dated November 2007, I have an unauthorized charge reference number 5819 for the amount of 59.95. I intend to pay the amount minus the 59.95 and ask you to inform Vetaran's Advantage that I do not appreciate them charging me for something I have not asked for nor authorized.