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Since the cancellation period is so brief, many consumers often don't realize their credit cards are being charged for additional costs until the charges show up on their monthly statement.Free* offers Hatti Hamlin, a public relations consultant from Orinda, Calif., learned the hard way that free offers often have a catch.If you believe a company has charged you in error, you should also contact your credit card company to dispute the charges."You are ultimately held responsible for the charge until a dispute process has been resolved with your credit card company," says Gail Hurdis, spokeswoman for Chase Credit Card Services.In May, the Federal Trade Commission (FTC) announced it would conduct a review of its "negative-option" rules, a process that could lead to tougher regulations on the practice.While negative-option marketing isn't considered illegal, it is misleading.I filed a Better Business Bureau complaint, wrote a letter, and finally, without admitting they were wrong, they agreed to refund the charges." Hamlin later found that more than 5,000 complaints about this practice had been formally lodged with the BBB.Robert Pagliarini, president of Pacifica Wealth Advisors, an investment and financial planning firm in southern California, was intrigued by an advertisement for an energy drink that can be used as an antioxidant supplement.

Please help us keep our community civil and respectful."I went to what I thought was a free site to get my credit report and after clicking on 'free credit report,' the company automatically added a monthly credit monitoring service," Hamlin says."I didn't notice this charge as I checked out on the website -- even though they require a credit card, they are careful to state that the charge is "

Please help us keep our community civil and respectful.

"I went to what I thought was a free site to get my credit report and after clicking on 'free credit report,' the company automatically added a monthly credit monitoring service," Hamlin says.

"I didn't notice this charge as I checked out on the website -- even though they require a credit card, they are careful to state that the charge is "[[

Please help us keep our community civil and respectful.

"I went to what I thought was a free site to get my credit report and after clicking on 'free credit report,' the company automatically added a monthly credit monitoring service," Hamlin says.

"I didn't notice this charge as I checked out on the website -- even though they require a credit card, they are careful to state that the charge is "$0" -- until the next month when you start getting whacked with a $14.99 a month charge." Even then, it took several months before Hamlin noticed the charges on her credit card bill.

"When a customer contacts us, our team of dispute experts immediately begins working to resolve the issue." If the inquiry is, in fact, a charge that is disputed by the customer due to merchant service or quality, Hurdis says the dispute adviser will spend time resolving the issue while the customer is on the phone.

"Our advisers will conference the merchant in on the call with the customer to help resolve the issue more quickly," she says.

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Please help us keep our community civil and respectful."I went to what I thought was a free site to get my credit report and after clicking on 'free credit report,' the company automatically added a monthly credit monitoring service," Hamlin says."I didn't notice this charge as I checked out on the website -- even though they require a credit card, they are careful to state that the charge is "$0" -- until the next month when you start getting whacked with a $14.99 a month charge." Even then, it took several months before Hamlin noticed the charges on her credit card bill."When a customer contacts us, our team of dispute experts immediately begins working to resolve the issue." If the inquiry is, in fact, a charge that is disputed by the customer due to merchant service or quality, Hurdis says the dispute adviser will spend time resolving the issue while the customer is on the phone."Our advisers will conference the merchant in on the call with the customer to help resolve the issue more quickly," she says.

]]" -- until the next month when you start getting whacked with a .99 a month charge." Even then, it took several months before Hamlin noticed the charges on her credit card bill.

"When a customer contacts us, our team of dispute experts immediately begins working to resolve the issue." If the inquiry is, in fact, a charge that is disputed by the customer due to merchant service or quality, Hurdis says the dispute adviser will spend time resolving the issue while the customer is on the phone.

"Our advisers will conference the merchant in on the call with the customer to help resolve the issue more quickly," she says.

" -- until the next month when you start getting whacked with a .99 a month charge." Even then, it took several months before Hamlin noticed the charges on her credit card bill."When a customer contacts us, our team of dispute experts immediately begins working to resolve the issue." If the inquiry is, in fact, a charge that is disputed by the customer due to merchant service or quality, Hurdis says the dispute adviser will spend time resolving the issue while the customer is on the phone."Our advisers will conference the merchant in on the call with the customer to help resolve the issue more quickly," she says.

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