1/4 Who takes me under the title ATOMITCHAT? Should I be afraid of a scam?

Have you noticed a debit under the name ATOMITCHAT? ATOMITCHAT appears to be an online dating / adult content site. These are direct debits recurrent. You are already, or will be charged by ATOMITCHAT each month because these debits correspond to a subscription.

Is this a scam? If your bank card has been stolen and used by a third party, then yes it is a scam. If you made a purchase yourself, it is not card fraud. how it works ? below.

You do not remember having taken out a subscription on this kind of site? Maybe you just filled in your card as part of a trial offer? Or to confirm that you are of legal age?

It may happen that subscriptions linked to ATOMITCHAT direct debits are not desired by Internet users: you should know that attractive trial offers often lead to subscriptions if no steps are taken to cancel the subscription.

2/4 How to terminate CB ATOMITCHAT withdrawals?

Stopping ATOMITCHAT direct debits is free. To do this, you must complete the termination procedures. You can do this directly online.

If you can't do it alone (because you are lost, because you do not remember the origin of the subscription, because you do not have the time or the inclination to cancel yourself or for any other reason), it is possible to get assistance from a termination assistance service provider. Our recommendation: I stop the costs!

This company helps you to identify the origin and the reason for the withdrawals and to stop them definitively. They can even help you get a refund WHEN possible (beware: requests for refunds are unfortunately not always successful, because they are really on a case-by-case basis. On the other hand, when it comes to stopping withdrawals / cancel subscriptions, their services are guaranteed 100% effective or reimbursed.

3/4 Go through 'I stop the fees!' to cancel a subscription? How it works ?

Would you like help to stop ATOMITCHAT withdrawals? Because you can't do it alone, because you are lost, because you don't have time… Good news! It is possible with I stop the costs! This service exists to simplify your life 😉

Why do we recommend it to you?

Most:

1. Support from A to Z: investigation to find the site at the origin of the debits, termination procedures ... and all this in all languages ​​(practical when the termination must be done in English for example!)
2. When possible, 'I stop the costs!' helps you get reimbursed of all or part of the sums withdrawn (be careful, unfortunately this is not systematic because each case is unique. When a refund is possible, your account manager indicates it to you and begins the procedures for you as a bonus for termination procedures)
3. All termination services are guaranteed '100% effective or refunded'

Cons:

1. These services are chargeable (count between 24,90 and 49,90 euros for a termination service)

4/4 The banking / legal point: what do I risk if I renew my bank card?

What the law says ? : in March 2018, the court of cassation accepted the culpable negligence of a customer who had transmitted his bank details to a fraudulent site. The bank had opposed his requests for reimbursement, accusing him of negligence in the custody and conservation of his personal data of the security system of payment instruments.

 

This court decision explains why your bank advisor may refuse to block your card if you are the originator of the purchase.

If you are still in possession of your bank card, it is very unlikely that it is a card hack as explained above: blocking the card would therefore amount to not honoring a contract for which you signed up. We therefore do not recommend blocking your credit card but carrying out the online procedures to cancel the current subscription.

Fraud point: of course, if your card has actually been stolen from you and you are not the originator of the purchase, it is a card hack. In this case, do not hesitate to go and file a complaint. In some cases, you will also be able to open a fraud file with your banker to try toget a refund : this point is to be seen directly with your bank or your card issuer (Visa, Mastercard…).