1/4 COUGARMAP, who is it, what is it? Is this a card fraud?

COUGARMAP withdrawals are the consequence of a subscription to a dating / adult content site. COUGARMAP debits you sums of money because you subscribed to their service.

Am I the victim of an online scam? This is fraud IF someone has stolen your bank card and made purchases without your consent. If you still have your card, there is a good chance that you made the initial purchase that led to the COUGARMAP direct debits.

But I have no recollection of agreeing to pay for a dating site membership at all! This is a remark that we often read in your testimony. Here is an explanation: maybe you entered your card details to confirm your majority or buy a trial offer… and you didn't take the time to read the T & Cs, Site Terms of Sale which stated that unless you decline it, you subscribe to their service.

2/4 How to stop CB COUGARMAP withdrawals?

Stopping COUGARMAP 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 Get help from 'I stop the costs!' to cancel a subscription: what you need to know

Would you like help to stop COUGARMAP direct debits? 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 helps you get reimbursed of all or part of the sums withdrawn (be careful, unfortunately this is not systematic because each case is unique.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…).