Watch Out for Per Annum Money Snatchers

Let me explain here what a Per Annum Money Snatchers or PAMS for short. PAMS are companies who have you sign up for a year at a time and WITHOUT asking you they just reuse your Credit Card on file and SNATCH your money when least expected. PAMS are THEIVES and they are hoping you will not bother to investigate why this purchased showed up on your bill.

Here is how it happens,  it’s so suttle you do not even realized it happened to you. You find a service on line with a per annum fee, you decide after a few months your life has changed and you just stop using it, expecting it will expire and become a distant memory. When all of a sudden that distant memory jumps out at you when you see a large fee on your Credit Card Statement. Now you have just been hit by PAMS.

Well it happened to me again today –  by ARCHIVES.COM

Transaction Details
Debit Card Purchase (Unique Transaction ID #7GN638469P628551M)
Debit Card Purchase
Date Type Status Details Amount
Dec 29, 2010 Debit Card Signature (1583) Purchase-INF*ARCHIVES.COM, 888-455-2791,
NE Pending Details -$39.95 USD
Related Transactions
Date Type Status Details Amount
Dec 29, 2010 Authorization to INF*ARCHIVES.COM, 888-455-2791, NE Completed Details
-$39.95 USD
Merchant: INF*ARCHIVES.COM, 888-455-2791, NE
Purchase Date: Dec 29, 2010
Authorized Amount: -$39.95 USD
Authorization Date: Dec 29, 2010
Time: 17:09:27 PST
Status: Completed

ARCHIVES.COM decided, NOT I to just debit my account $39.95 – So I sent them an immediate email with all the transaction information as it is above, and their reply was, “WE CAN NOT FIND THE TRANSACTION WITH THE LIMITED AMOUNT OF INFORMATION YOU PROVIDED.

Heather
Member Services Representative

This is a BAD company, they have included the Scammers Technique into their Policies called PAMS

Archives Headquarters
101 University Avenue, Suite 320
Palo Alto, CA 94301

Archives Member Services
P.O. Box 391146
Omaha, NE 68139
1-888-896-4442

DO NOT GIVE THEM YOUR CREDIT CARD INFORMATION

5 Responses to “Watch Out for Per Annum Money Snatchers”

  1. admin says:

    After several days of trying to get them to refund my CC I filed a Back Charge with PayPal, maybe this will get their attention –

    UPDATE BELOW

    Written Statement of Disputed PayPal ATM/Debit Card Transactions
    Please print and sign the completed form, then send it to us via fax to 303-395-2855 or postal mail

    PayPal
    Attn: PayPal Debit Card Department
    P.O. Box 45950
    Omaha, NE 68145-0950
    United States

    Date:
    Jan 02, 11

    Primary Email:
    PayPal@XXXXXX

    First Name:
    XXXXXXXX

    Last Name:
    XXXXXXXX

    Address line 1:
    xxxxxxxxxxx

    City / State / Zip:

    Home Phone Number:
    xxx-xxx-xxxx

    ATM/Debit Card Number:
    xxxx-xxxx-xxxx-xxxx

    Name of PayPal Employee
    Assisting: (optional)

    Transaction Information. Please identify the transactions you are disputing. Use additional sheets if necessary.

    Transaction Date Name of Merchant Transaction Amount
    1 Dec 30, 20 ARCHIVES.COM 39.95
    2
    3
    Have you attempted to resolve the dispute with the merchant? Yes

    Please provide a detailed description of your efforts with the merchant including conversations, names of who you spoke to and what the merchant was willing or not willing to do:

    I am told below they can not find the transaction, as you can see I gave them the info they needed plus in additional email with my paypal@anves.com address – Hello, Thank you for contacting Archives.com. I will gladly assist you. I need to locate your account. I can do that with one of the following pieces of information: The receipt number and the date of purchase Or The first and last name you registered with on Archives.com Or The email address you registered with on Archives.com I am unable to locate your account with the vinnie@anves.com email address. Your receipt number (also known as your “order number”) can be found in your original confirmation email upon sign up. This email will have come from Support@Archives.com. If you’re having difficulty locating this, please check your “bulk/junk” folder as it may have accidentally been intercepted there. Thank you for working with us to fulfill your request. Sincerely, Heather Member Services Representative (When responding to this support ticket PLEASE MAKE SURE to reply to this email so that your ticket number is included in the subject line. This will expedite your support request.) ——

    : refund my account – I did NOT give you permission Transaction Details Debit Card Purchase (Unique Transaction ID #7GN638469P628551M) Debit Card Purchase Date Type Status Details Amount Dec 29, 2010 Debit Card Signature (1583) Purchase-INF*ARCHIVES.COM, 888-455-2791, NE Pending Details -$39.95 USD Related Transactions Date Type Status Details Amount Dec 29, 2010 Authorization to INF*ARCHIVES.COM, 888-455-2791, NE Completed Details -$39.95 USD Merchant: INF*ARCHIVES.COM, 888-455-2791, NE Purchase Date: Dec 29, 2010 Authorized Amount: -$39.95 USD Authorization Date: Dec 29, 2010 Time: 17:09:27 PST Status: Completed

    X The transaction(s) listed above were not made by me or a person acting within my authority:
    If you checked this box, your debit card must be deactivated as part of this process. To deactivate your card and request a replacement card go to the PayPal website and log into your account, click “Profile”, click “PayPal Debit Card,” click “Report a Lost or Stolen Card,” click “Deactivate Now.” Then follow the steps to request a new card. Otherwise PayPal will deactivate your card for you upon receipt of this statement.
    __ The disputed /unauthorized transaction was first discovered on: 12-30-10
    X To the best of my knowledge, my ATM/Debit Card:
    X Was lost by me on:
    __ Was stolen from me on:
    X Was in my possession at all times when the unauthorized transactions occurred
    __ I notified PayPal that my ATM/Debit Card was lost or stolen on:
    __ When was the last time you used your ATM/Debit Card?
    __ Date:
    __ Time:
    __ Location:
    __ Amount:
    __ Was law enforcement notified?Yes
    __ Name of law enforcement agency:
    __ Report Number:
    __ This purchase was made by cash, check, or other means; therefore my debit card should not have been charged. Please provide A) the cash receipt; or B) the front and back of the cancelled check; or C) the statement on which the purchase appears.
    __ I was debited for an incorrect amount. My receipt shows .However, my account was debited . Please provide a copy of the receipt.
    __ I have received a credit slip and the credit has not appeared on my statement yet. A copy of your credit slip is REQUIRED.
    __ I have received an “In store credit” and request that my account be credited. The Original In-Store credit is REQUIRED.
    __ I did authorize the sale. HOWEVER:
    __ Only one sale was authorized. The amount in question is a duplicate of a sale, which was charged to my account on . The card(s) is/are still in my possession.
    __ I authorized to originate one or more ACH entries to debit funds from my account but:
    __ The amount debited exceeds the amount I authorized to be debited. The amount I authorized to be debited is $ . OR
    __ The debit was made to my account on a date earlier than the date on which I authorized. The date I authorized the debit to occur is .
    __ I have not received the merchandise. The expected delivery date was
    __ I have not received the expected service. [Explain in full on the back of this sheet]
    __ The merchandise received was defective and was returned on .
    Proof of return and explanationof defect is REQUIRED.
    __ I attempted to cancel this purchase with the merchant on . The merchant reply was [Include copies of correspondence].
    __ This sale was a cancelled hotel reservation. My cancellation number is . Date of cancellation is .
    Description of Dispute: (Use additional sheets if necessary)

    I contacted them immediately and just got the run around – several email to and from them, they have not sent me a credit – no other choice now but to file against them – I may have bought from them a year ago, but not sure, either way I never agreed to or was informed of a new charge was being issued until after the fact –

    Signatures
    I affirm that this information is correct to the best of my knowledge and that I have fully disclosed my knowledge of the facts and circumstances surrounding this dispute. I further state that this written statement under Penalty of Perjury may be furnished to law enforcement officials and other entities outside of PayPal to assist in investigation and possible criminal investigation. I have been advised that any false statements I have made in this statement may be punishable under criminal law.

    _____________________________________________
    Signature of account owner

    _______________________________________________
    Date

  2. Pete says:

    My wife tried to cancel within 7 days when she read about these “people”. AMEX cancelled the transaction and sent her a new card overnight (no charge) when she got the run around from INF (archive.com). They are listed as a Materials and Supplies vendor.???? When you try to cancel they delete your password and you can’t contact ANYONE! Nice try ^^^hole!

  3. William Sanderford says:

    They did the same thing to me, but I cought them on the first month that they hit me. I reported it to my bank, and called the phone number to tell them to cease and desist, AND return my money to me, which they did. Haven’t heard anything from them since Best thing to do is go over your bank and credit card statements with a fine tooth comb every single month…or even every day wouldn’t hurt.

  4. Darrin says:

    How is this a scam or theft? YOU agreed to the recurring charges when you signed up for the service.

    From their Terms of Service page: “We will continue to bill your Payment Method on a recurring basis on the anniversary of your membership period until you cancel. You may cancel your membership at anytime, and cancellation will be effective immediately.”

    You may not like this, but a lot of people fine it convenient. I have several annual subscriptions and I appreciate having them automatically debited. Otherwise, I’ll forget to renew in the busy-ness of life.

  5. Thank you for the auspicious writeup. It in truth was once a entertainment account it. Glance complicated to far brought agreeable from you! By the way, how could we communicate?

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