People find they've been charged for subscriptions they didn’t sign up for after trying to download apps on their phones, or scan QR codes in restaurants, pubs, shops, bus stops, stations and car parks. Others notice payments to brands they don't recognise, but don't know where these companies got their card details from.
Here, we look at recent subscription traps reported to Which? and offer our tips to help you use QR codes safely.
‘I was duped by a QR code in a garden centre’
One company that keeps popping up in reports to Which? is called Digotech Ltd. It describes itself as a digital entertainment provider and uses various branded websites including:
We received 15 reports about these brands in the past year, all from people who said they found charges of up to £39.99 per month for unwanted subscriptions.
Patricia got in touch with Which? after her credit card provider, Barclaycard, refused to refund a recurring transaction she says she didn't authorise.
‘I was duped by an online pop-up when downloading an app in a local garden centre. I used my phone to scan a QR code - you needed the app to order food. I was charged £1 but it said this would be deducted from the food bill. A week later, another £39.99 was taken. I thought online you had more protection.’
Her credit card statement shows that the two payments went to PYD*Chefbe.Club - which has nothing to do with the garden centre - yet Barclaycard initially told her she would not be refunded because she had accepted a free trial and entered into a contract with the company.
Find out more:How does a QR code subscription work?
It’s impossible to determine exactly how Patricia's QR code subscription happened.
Other complaints we've seen about Digotech were similar to Patricia's, for example, one person was at a local farm shop and scanned a QR code to enter what he thought was a competition on the farm shop’s website.
He said: ‘I naively filled in all my details including - very stupidly - my bank account numbers as I assumed it was legitimate. I then got a "thank you for subscribing to BeGame" message saying that in five days time I would be debited £39.99 every month! I immediately contacted my bank to stop the card and block any future attempts to debit my account.’
Another was trying to buy a birthday card online yet somehow ended up clicking on a pop-up advert that she thought was connected to the retailer, but linked her to Gamebox.pro instead.
Several people accused Digotech of making it difficult to cancel these subscriptions, telling us the email confirmations listed no phone numbers and the links to ‘cancel’ didn’t work.
Find out more:What does Digotech say?
We put these reports to Digotech and explained that people believe they’ve been scammed because they were charged when trying to access goods or services from companies that have nothing to do with Digotech brands.
A spokesperson told us it believes complaints are related to the placement of a marketing banner 'potentially causing confusion'. It uses social media and Google Advertising Network to promote its brands.
'We do not control where or which banners are placed within third-party websites or applications. So whilst we label our marketing clearly with our service name and domain, occasionally consumers click on our advertising banners mistakenly confusing them as being part of the originating application or website.'
‘For the avoidance of doubt, Digotech's websites, payment page and terms and conditions make it extremely clear that we are separate from any third-party service or advertiser, and our payment flow (pricing and terms) is indicated clearly and transparently.’
Digotech said it can also use the transaction information to identify the related application or website, and if necessary, manually block its marketing from being published there.
Getting your money back
Banks report companies if they see a trend in disputed payments among customers, so it's important to contact your card provider if you spot a recurring payment you didn’t authorise.
It can put a stop to future payments if you are unable to cancel a subscription, though getting a refund for money you’ve already lost can be more difficult, as it may appear to be fully authorised.
Patricia did get the £39.99 back from Digotech, after we encouraged her to email its bechef.club customer support team and explain that she had never requested its services. But we’re disappointed that Barclaycard didn’t do more to help.
We think it failed to adequately investigate the disputed transaction, something we see too often in cases of disputed subscriptions and recurring payments, though it has since offered £50 compensation.
Barclaycard said: ‘Our customer contacted us after unwittingly signing up to a subscription service and noticing their Barclaycard had been charged an unexpected amount. Unfortunately an error was made meaning the initial amount was not refunded as quickly as it should have been. We have since corrected this and apologise for the delay our customer faced.’
Find out more:source https://www.which.co.uk/news/article/qr-codes-are-still-being-hijacked-to-set-subscription-traps-and-scams-alyxt1h5FrBD