All Business, Good & Bad

Sometimes, an awful consumer experience. Let's call them out. Okay, mostly. But sometimes awards. Yes? All the accounts are truthful. The names have been changed to protect the innocent and guilty alike. Email me with your stories and I'll include them.

Tuesday, April 08, 2008

Proactiv Solution - Good and Bad

About 4 weeks ago, I ordered the 3-piece Proactiv Solution comprising of the cleanser, astringent, and lotion. As a man of slightly over 30, I realized several years ago that when they told us in high school that skin problems usually drop off for men around 20 that they were fucking lying. I'm by no means a pizza face, but have always had a couple small blemishes on a regular basis. Time to make them go away.

The Good
Proactiv Solution is amazing! After a little fine-tuning (I only use it once a day and add supplementary moisturizer to avoid excessive dryness), my skin is perfect and has been so for over a week. Not a spot or blemish or hint of such. Yay!

The Bad
Proactiv Bleached Shirt

Note to Proactiv: If your product bleaches fabric, you might want to mention that someplace other than in the absurdly small print under the directions label that's virtually impossible to remove, let alone read. I lost 2 shirts and a towel in the first couple days.

The Ugly
Today I noticed my bank account was overdrawn. Why? You guessed it: Proactiv took it upon themselves to - without notification - ship me more product and charge my card which is attached to my account.

When I signed up, there was no language or any warning that I was joining a recurring subscription. When I called customer service, they explained that "it says on the internet" that I was creating an account and that constituted a membership.

Okay, maybe, but I have a membership to half a dozen email newsletters; I have a membership to Web MD; I have a membership to Technorati. These things cost me nothing. The point I'm making is that in the world of quick internet sign-ups, the word "membership" can and often does mean nothing more than "now you have a login to our site and we might sell your email address."

There is nothing implicit or explicit in the meaning of the word to imply that they would charge me automatically for more product. And genuine give-a-shit-ness for the customer would at least warrant a notification email, a reminder that: hey, in a week, we're going to send that automatic shipment you signed up for whether or not you knew that for sure. Heck, they even allow you to manage exactly how long you would like between shipments.

Because of this, the statement must be made: Proactiv Solution engages in misleading and shady consumer practices. Be aware that your "membership" implies automatic shipments and charges without so much as a fart in your direction. No warning. No email. No regard. And it bleaches your clothes.

The Verdict
Proactiv Solution probably makes tons of money due to its shady practices, and I think that's what pisses me off the most. They don't need to. They have an amazing product that does exactly what they say it does: clears up blemished skin to near or at perfection.

So I'll write an official complaint to customer service. I'll point them to this blog. But I'll keep using the product, probably even keep the shipment they have in transit. Why not? It's an amazing product.

But Proactiv: why all the shady?

UPDATE: Since my primary post, I've received some great comments on the post. I've also seen a huge improvement in my red cheeks. A little background: I have keretosis pilaris rubri facii. The first two words mean that I get clogged-pore bumps on my upper arms and thighs. The second two words mean that it's the form of the skin disorder that causes ruddy cheeks. I've had noticeably red cheeks since I was a child and only now - at 32 - has Proactiv anti-flushed them to match the rest of my skin. A minor miracle.

Coming soon: Does Proactiv work on my arms? Watch out non-white clothing!

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Wednesday, January 25, 2006

SonyCard (Bank One, Chase) - Bad Business, August 2005

I got involved with my SonyCard when it was owned by CitiBank. It was classic: I received potential rewards I never renewed and, more importantly, I was at a lovely 11% or so. Three years I had this card without issue. I never made a late payment, and usually paid over the minimum payment (but had charged more than that). CitiBank must've been scribbled with me.

Then my account was purchased by BankOne.

In July, 2005 (card 3+ years), I looked at some of the detail of my statement. Surprisingly, I noticed that I was now at 25% and change. Wha-What?

In calling the customer service folks, I learned that back in February, they decided, based upon nothing more than apparently trying to increase revenue, to look at my credit report. They didn't like my debt-to-income ratio and so staged a coup upon my card: they changed the fixed rate I had to a variable rate, then raping the virgin, knocked the rate up over 100% to 25. Why? Because they could. They assured me that they mailed a notice about increasing my rate, but as many credit card users can say, I dump the 15 ads that come with monthly statement without examination. Either they didn't or I didn't notice. Something that important should be listed on the statement. (Although one of my friends sends the ads back with the statement - give it a shot).

What did I learn?
- I need to read my credit card statements thoroughly every month.
- Credit card companies, much like the current state of insurance companies, are making money hand over fist at our expense.
- If credit card companies wanted to, they could put in their 3-point font that they would take everything you own.
- Always look through every piece of paper that comes with your statement - and read it.

But more importantly, I found that credit card companies are unscrupulous, and can switch up the game in any way that they can or want to to increase profits, specifically in the case of BankOne. They are not our friends; they exist to make money for their shareholders. Hell, 51% of the Federal Reserve is controlled by private banks. Coincidence? I think not.

So check it out and make sure there aren't any loopholes before getting a card. And if they screw you, post it, report it to the BBB, and raise a fuss.

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