1/4 - MEETCOOL card withdrawal: a card fraud scam?
'These are several samples spread over several months. I have no idea where they come from and therefore don't know how to stop them. ' : do you recognize yourself in this testimony? If you notice a debit titled MEETCOOL, this means that your bank card has been entered on a website as part of a purchase or a small trial offer for example (some online service sites - such as dating or streaming videos for example - offer you trial offers over 2-3 days, inexpensive, often resulting in subscriptions renewed each month).
Unless your payment method has disappeared (lost or stolen card) and a malicious person has used it to register on such a website, there is a good chance that you (or a member of your household having access to your card) be at the origin of this operation and therefore of this subscription linked to MEETCOOL.
It is therefore not a scam in the sense that it is not a credit card hack.
2/4 - What is the origin of the MEETCOOL withdrawal?
As explained above, this flow is the consequence of a subscription to an online service.
Our diagnosis: It seems that the CB MEETCOOL withdrawal results from a subscription to a dating site. You have undoubtedly entered your bank details as part of a trial offer of 2 or 3 days and you end up subscribed to the service because you have validated their T & Cs (general conditions of sale). The company that manages MEETCOOL can thus legally withdraw one or more sums from you each month.
Please note: this direct debit is recurring. Remember to take steps to terminate it so as not to be charged over the next few weeks or months.
3/4 - How to stop MEETCOOL bank debits?
There are two ways to terminate MEETCOOL bank debits and end any current subscription:
- 'I want to do all these steps myself': the solution (free)
- Go through the billing platform or find the site linked to these debits (= the site on which you took a trial offer): on which site did you enter your credit card details?
- Once you have identified the site or platform, connect to it with your credentials
- Once logged in, you will usually find the unsubscribe procedure in the site settings or a contact link to ask your questions.
- 'I do not wish to carry out the procedures alone and I prefer to let a service provider manage the problem': you can go through a professional of the type Sos Internet to help you stop direct debits MEETCOOL:
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- They take care of the identification searches of the company that takes you from you
- They support you in the termination procedures
- They send you a confirmation email once everything is stopped
- Their services are chargeable (and 'effective or reimbursed' guarantees).
4/4 - Can I block my card with my bank to stop MEETCOOL charges?
As mentioned earlier, if you are still in possession of your bank card, it is very unlikely that it is a card hack: in this case, you have entered your bank details and have validated the T & Cs ( General Conditions of Sale) which informed you about a possible subscription: blocking the card would therefore mean not honoring a contract for which you have signed up. We therefore do not recommend blocking your credit card.
If it is a card fraud, that is, if the card has been physically lost and used by a third party, you can report it lost to your banker. You will also be able to open a fraud file to try toget a refund (this point is to be seen directly with your bank adviser).
What the law says ? : in March 2018, the court of cassation accepted the culpable negligence of a customer who had transmitted his data to a fraudulent site. This is the reason why a banker may refuse to block your card if you are the originator of the subscription.
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