I get credit card transactions on my computer a lot that I have to dispute because I never authorized them. I've recently been charged an extra 2 dollars on atm transaction plus an extra 50 cents transaction fee. I always win them all but here's the problems: 1. Have to spend time and cell phone minutes contacting the vendor. 2. Have to contact bank to dispute the transaction and provide info about it (time is $) 3. It always takes about a week to get the refund. 4. They pay me no interest or penalty for robbing me. I figure that if they have a few million people that they rob then they get to keep the money for a week, making a fortune off of the combined robberies, I was thinking about starting a petition online about this matter. Opinions?
I get immediate notification of any charge on my cards. I have gotten a couple of bogus charges so it usually entails calling the bank to block, protest the charge, and issue a new card.
It isn’t clear what you mean. Entire transactions you weren’t aware of would indicate your card details have been stolen. Additional fees on purchases are a different matter. In the latter case, reputable vendors will point those fees out, though not necessarily as clearly as they could. They may well just refund the few people who complain because that’s less hassle than arguing the case. It doesn’t necessarily mean you’re right. You’ve not provided any evidence of actual robbery (and if anything, it’s probably be fraud). Petition who to do what?
I just got through disputing a transaction and the company admitted it was fraud. There was no record that I OK'd the transaction. I canceled my card for a new one. I think what happened at the site is that the pointer crossed over a link at there site, which I didn't click but it ghost clicked. Can you imagine the people who don't notice these transactions like this? Petition to make them pay a penalty when they are discovered. It's trickery/fraud/etc.
When we were out of state in De Smet, SD, I was charged an extra $2.00 for an ATM transaction -- $2 for the SD bank, $2 for my bank for an out-of-state transaction. Not too bad. Now I know. Saved the money back, a teller told us that the Dairy Queen was running great specials. If you use the ATM at the local barber shop here that thing really robs people. Never used it.
I very much doubt that they admitted to committing fraud – that would be stupidity even if it happened to be true. They may have accepted that you did not knowingly make the purchase, possibly due to a third party fraud (such as someone getting your card details) or they may have agreed to a refund because it’s cheaper and better optics for the company that fighting, even if they were in the right. I suspect they including an explicit “without admitting liability” type clause. I don’t see how that would work. A single click on a website shouldn’t automatically put a charge on your card unless you willingly set up the facility and even if you do, any legitimate site would have some kind of final purchase confirmation. There are certainly companies which will try to encourage you to buy more than you intend, just like the people in stores who try to sell insurance on electrical purchases, but it won’t reach the point of being legally fraud because you’ll always have the chance to confirm the purchase, you just have to read carefully. You’ve still not established exactly who you believe is knowingly committing fraud or proving your accusation. There are already penalties for individuals or companies who break the law and what you’re implying is happening would already be illegal.
I am telling the truth. They did say it was fraud. You never did answer me about the money they make by taking a week to refund my money. It sounds as if you have a vested interest in this discussion. Carry on. Toodles.
Maybe, but they won't have said they committed fraud, otherwise you could just take that straight to the police. You'd have to provide the text of their communications (appropriately redacted of course) to clarify exactly what they said though. I wouldn't be surprised if it was filled with technical and legalistic language to imply meaning without actually committing to anything. I doubt it's a vast amount over such a short period (assuming you're not buying private jets or diamonds). That strikes me as a side issue to the key question of whether they should return the money at all and how long is a legitimate process for making that decision. It's also worth noting that electronic payments (including your initial one) aren't instant anyway (which is it's whole own topic). Just because you didn't have the money for a week doesn't mean the company had it in their account for that whole week. I only have the same interest you do; establishing where the actual problems are and seeking ways to avoid or at least minimise them. I just don't think jumping to conclusions and flinging out unsupported accusations of criminal behaviour actually helps achieve that.
What kind of website would try something like this? How would some link get "ghost clicked"? All I know is that the internet is dangerous without protection. Use a good ad blocker and you should avoid the worst of it. Avoid dodgy sites.
