Jamie J.

My Debit card was charged on 3 different occasions, totaling $40.85.

The company is called Spokeo. They're a web based company designed to conduct reverse lookup searches on people. They're website is www.spokeo.com

Transaction as it appears on my Wells Fargo bank statement: RECURRING PAYMENT AUTHORIZED ON 04/22 SPK*SPOKEO SEARCH *******264 CA S**************

If you look on your bank statement, there will be random numbers that appear with the general transaction information. These random numbers aren't so random., they're actually the phone numbers connecting to Spokeo. The numbers start as 1800 (1-800) or just 800. They appear on my statement as *******264, which is phone # *******264.

I called the 800 number and connected to a recording. Press "0" immediately after the recording begins and you will quickly be connect to a live Spokeo representative that will help you with cancelling the account.

The Spokeo representative you speak with will ask you a couple questions that will direct him/her to your account information. They will see detailed information regarding the activity or inactivity on the account in question.

You MUST inform them this is an unauthorized charge and you want the money refunded in full or you will begin with disputing the charges with your bank. Spokeo will refund the money and send you a confirmation number immediately.

If you claim these charges are unauthorized by you, the cardholder, the Spokeo representative has no other option but to refund your money. The last problem an online company wants to deal with is your banks legal department contacting them and throwing around words like "fraud" and "Better Business Bureau complaint".