Approximately three months ago, out of curiosity, I was redirected through Facebook to a website called cerebrumiq.com, where I took an IQ test for about €1. I paid €1 on the site in order to receive my results. Beyond that payment, I did not approve or request any subscription, membership, recurring charge, or additional service.
However, on December 26, 2025, at 11:51 AM, I was shocked and outraged to discover that approximately $44 had been charged to my Ziraat Bank physical card without my knowledge or consent. On my bank statement, the transaction appears as a payment to cerebrumiq.com, with authorization code 544762. I absolutely did not subscribe, I did not click any “subscribe” or similar button, and I did not provide any explicit or implied consent for a one-time or recurring payment in this amount.
I consider this transaction—made without my knowledge and without my clear, informed consent—to be a serious misuse of my card information and an unfair, deceptive practice. I submitted a request to Ziraat Bank through their customer communication form regarding this transaction, but I have not yet received a response.
I am demanding the immediate and full refund of the $44 that was withdrawn from my card without my authorization. I also request that any hidden, unapproved memberships, subscriptions, or payment authorizations associated with my card be permanently canceled and blocked to prevent any further unauthorized transactions.
Additionally, I request a written explanation detailing how this transaction was processed without any clear subscription or service purchase approval, and that the necessary investigation and actions be initiated against the responsible individual(s) or company. I expressly reserve all of my legal rights and state that I will exercise them if necessary.
On February 3, 2026, at around 5:55 PM, I noticed that $38 was charged to my Ziraat Bank card by a website called MyIQ, even though I had previously paid only $1 for an IQ test. I did not give any authorization for this charge, nor did I purchase any additional membership or subscription. Although ...
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On September 26, I took the IQ test offered by the myiq.com brand and was required to pay €0.50 to receive my result. I made this payment using my Ziraat Bank virtual card. However, I did not create any account or purchase any subscription package — I only provided my email address so the test resul...
On January 2, 2026, I took an IQ test on the myıq (myiq.com) website and made only a one-time, small payment for the test. During this process, I was not clearly or explicitly informed about any subscription, and I did not give consent to an automatically renewing membership. Despite this, on Janua...
On December 9, 2025, at 10:35 PM, an amount of $43 USD was charged to my Ziraat Bank account by myiq.com, even though I never gave any consent, authorization, or prior approval. I did not start any subscription, make any purchase, or receive any notification by SMS or email regarding this charge. A...
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