Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TomoCredit Inc.
State: IL

Complaint narrative:
Below is my dispute that I have been going on with TOMO Credit Card. I initially opened my dispute within a few days of the fraudlent charges to my credit card. I submitted proof of the fraudulent charges placed on my card, via deceptive marketing. My name is XXXX XXXX. The last XXXX digits of my card is : XXXX. Please read below the description of charges I would like to dispute for refund and or reversal of charges. On XX/XX/year>, I was browsing internet and came across a webpage for cookware. It has a spin wheel for discounts percentages. I spun and it stated I won free 12-piece cookware and I had to pay for shipping and handling. I entered my credit card information for the shipping and handling for {$6.00}. On XX/XX/year>, I checked my credit card dashboard and saw I had pending transactions totaling {$150.00}. I viewed the transactions and saw charges of {$6.00} charge for a XXXX XXXX XXXX and {$140.00} XXXX XXXX XXXX which I have no knowledge of. I checked my emails for confirmation of the cookware to be delivered and saw emails from XXXX XXXX. The first email had Order # XXXX for XXXX XXXX XXXX  totaling {$6.00}, and the second email had Order # : XXXX for XXXX XXXX XXXX XXXX. Totaling {$140.00}. I did not authorize any of these transactions. Upon reviewing all my documents, the webpage made me think I won free cookware and I only had to pay for the shipping and handling totaling {$6.00}, but received an email the {$6.00} was for XXXX XXXX XXXX, which is nowhere represented on the webpage. Also, I was charged an additional {$140.00} for XXXX XXXX XXXX but I received and email for XXXX XXXX XXXX XXXX I did not authorize this charge, nor was any of this information on the webpage for the XXXX cookware. All of this was a scam to gather my credit card information and use misleading and misinformation emails contrary to what I thought I was purchasing. I contacted the customer service numbers ( XXXX, XXXX, XXXX, XXXX, XXXX ) for each service listed and each person told me they could not perform a refund and to contact my bank. I informed them I am contact them because they charged my card and I want an immediate refund. I was informed they could not perform a refund at first, then one rep stated he could refund 40 %. I informed him I want a 100 % refund due to the nature of how the webpage was misleading and made it look like I was receiving cookware. There is no mention of XXXX XXXX XXXX or XXXX XXXX XXXX on the cookware webpage. In fact, if you do a web search for the cookware webpage : ( XXXX ), it will reveal a webpage as XXXX Not Found. Please review the supporting documents containing, the webpage for the cookware ; Page Not Found for the domain name ( XXXX ) ; my credit card dashboard for the charges listed as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX emails with Order # : XXXX for Giveaways eBook and Order # : XXXX for XXXX XXXX XXXX XXXX. ; Credit Card dispute forms for the {$6.00} and {$140.00} transactions. Due to the misleading nature of the webpage for cookware, I would like both transactions of {$6.00} and {$140.00} reversed and credited back to my credit card balance. 

Based on TOMO Credit Card XXXX. Terms and Conditions : XXXX. CARD LOST, STOLEN AND/OR UNAUTHORIZED TRANSACTIONS. CARD REPLACEMENT. XXXX. Unauthorized Transaction. An Unauthorized Transaction occurs when funds are sent from your Card that you did not authorize and did not benefit you. If you give someone the Card and give them permission to use it, you may be responsible for all transactions conducted by them on with the Card even if they conducted more transactions than you authorized, unless you notified us that transactions by that person are no longer authorized. 

and 4.5. Processing Errors. We will rectify any processing error that we discover. If the error results in your receipt of less than the correct amount to which you are entitled, we will credit the Account for the difference. If the error results in your receipt of more than the correct amount to which you are entitled, we will debit the extra funds from the Account. If the error resulted in our not completing a transaction on time or in the correct amount, we will be liable for your losses or damages directly caused by this failure, unless : ( a ) through no fault of ours, you did not have enough available funds to complete the transaction, ( b ) our system was not working properly and you knew about the breakdown when you started the transaction, or ( c ) circumstances beyond our control ( such as fire, flood or loss of Internet connection ) prevented the transaction, despite our reasonable precautions. I used my card to make a purchase from ad in XXXX from my phone. The card was and still in my possession and have never left my possession. My card has been froze/locked on their website. No other fraudulent /unauthorized transactions have been made after I submitted my dispute claim. Based on the information I submitted the inconsistences of advertisement and charges are evident. Thought I was purchasing cookware but charges on card are for a work-out plan subscription and a fabric/sewing website. How is that a valid transaction?

Company response to consumer: Closed with explanation