M.K. of Lancaster, CA, writes:

I received my Texaco Credit Card Billing which should have been $0.00 and it had a charge for $69.95 for a "Budget Travel Club" that was never spoken of before. No one ever telemarketed the product, I never authorized on paper or on the phone. 

When I called the 888 number, they seemed to be ready for the calls, because before I could get out "I never authorized this" the person who answered asked me if I had ever heard of the travel club. I told him no I wasn't interested in anything but a credit. 

He said, "You get $40 worth of free gas" 

I interrupted him and said I don't want your sales pitch, only a credit.  

He said, "You get discounts on hotels."

I interrupted him again and said, "Are you listening to me? I am not interested in anything but a credit."

So he finally said he would cancel it but it would take 7 to 10 days and probably not be credited for a "couple of bill rounds."  He gave me the cancellation number.  

Then I called Texaco and they are only open Monday through Friday 9-5pm.  

I wonder how many unsuspecting Texaco card members are being billed for this who may have a high balance and not notice this new way of telemarketing in reverse -- bill you, then when (or if) you notice the charge and call to complain they try to sell it.

I think Texaco Credit Card division should send out a separate warning to all their customers advising of this fraud and check their bill. They should immediately credit the account instead of waiting "a couple bill rounds."  

This is a very common scam and one that no consumer should have to put up with.  To be certain her account is credited, M.K. should send a certified, return receipt requested letter to the address on her credit card statement,

saying she did not authorize the travel club charge and refusing to pay it. 

For more information on this type of scam, see:

• FTC Springs Trip Trap

• Tips for Smart Travelers