Consumer complaint received 2024-04-05 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 four 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/23, 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 XXXX 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/23, 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 XXXXXXXX XXXX. The first email had Order # XXXX for XXXX XXXX XXXX totaling {$6.00}, and the XXXX  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 XXXX, then XXXX 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 Page 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 ; emails with Order # : XXXX for XXXX XXXX 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. Thank you.

Company response to consumer: Closed with explanation