Credit Hack.T

[tim]

Sucks to be you Tim. You need to grow some balls and tell them to quit fucking you around and just cancel the card. Or you could continue being their bitch and keep playing their games.


I had a deal one time where I bought a text book for a class on line and the seller didnt send it to me and also stopped responding to emails. I called Citi which is who my card was through and they took the charge off and said they would do their best to reclaim their loss. They sent me a form a couple days later asking for the same shit I told them on the phone and that was it. It took me about 10 minutes on the phone and that was it.

[SVT5LITER]

Visa doesn't take care of anything, they will send you to the bank, if it's a credit union then you are talking to a servicing bank that helps the credit union by carrying the debt and giving the CU their name on the card. if it says ELAN then you are actually talking with usbank. they are the service provider. if it wasn't for the provider then you wouldn't have the card because credit unions don't wanna pay millions to set them up. Now instead of talking with fraud you should talk with the dispute department. then you fill out a form and be done. fraud is a hassle and in most cases unnecessary for 1 or 2 charges.

gawdammit ... so I need to call my credit union too now is what you're sayin'?

[SVT5LITER]

$300 in pizza

Sorry to hear Tim! I hope it gets sorted out. Im still working through some mishaps on my credit...But they should be off soon enough to get a house

I got ahold of the lady today... she said I should't have to pay for it, and is not sure why I was told that. She asked if I put a stop on the card. I told 'er that they said they would, and send me a new one. She looks it up, and tells me they didn't do that, and it's still active . So now, she's given me the answer that is closest to what I wanna hear... she said to call the lost/stolen number and tell 'em again, and make sure they put a stop on the card, and tell 'em about the fraudulent chargers, and then that would flag it and it would go to her dept., then she'd send me something to sign and as soon as I send it back, they'd take care of the charge.

So I do this. Get some weirdo when I call back. I have to tell him this whole 2 day story. He doesn't seem all that interested. Card gets stopped, new one to be sent, he sounds like he's reading from a book to me, ... and then tells me to cut the old card up and send it to the address on the back :idiot:. WTF... no, I'm not gonna do that. I'm sick of arguing at this point, and just let 'em continue to read on. Then he tells me I should contact my credit union to tell them of this, their fraud dept. I told 'em, AGAIN, how I talked to so and so about this and she's gonna take care of it. I'm pretty much tuning 'em out after that cuz he's a knob.

So, I have this fraud mngmt gal's direct number and extension... so I'll call back and see if the ball is rolling Friday. It's amazing how every one I talked to gave me a different answer.

[SVT5LITER]

sarcasm eludes you

actually... it seems to elude you

[CCr]

Visa doesn't take care of anything, they will send you to the bank, if it's a credit union then you are talking to a servicing bank that helps the credit union by carrying the debt and giving the CU their name on the card. if it says ELAN then you are actually talking with usbank. they are the service provider. if it wasn't for the provider then you wouldn't have the card because credit unions don't wanna pay millions to set them up. Now instead of talking with fraud you should talk with the dispute department. then you fill out a form and be done. fraud is a hassle and in most cases unnecessary for 1 or 2 charges.

[T BONE]

No... but why do you say that?? They known for troubles with credit cards thru them?

I had some issues when a crackhead got a hold of my card a few months back.

[tirenick]

You've had some dull nights then

sarcasm eludes you

[SwtNsxy95]

Sorry to hear Tim! I hope it gets sorted out. Im still working through some mishaps on my credit...But they should be off soon enough to get a house

[theduckylittle]

I'd drop the CC. Seriously, I've had to wait at most 10 minutes (ever) for taking care of charges. My biggest complaint about my current CC is the fact that they occasionally put stops on my CC when I suddenly purchase Plane tickets, $300 in Pizza, and $200 worth of groceries. One 10 minute call to tell them I'm planning a trip to Germany, running a concessions stand and needed a lot of food -- back in biz.

[SVT5LITER]

That sucks Tim, I hope you get it all straightened out.

We'll see I guess. What a joke

[SVT5LITER]

ah no. you are responsible for the charges until the fraud investigation is done. if you want your credit to stay good.
you might or might not have to pay for the charges
.
ask me how i know, dont even get me started on fraudulent carges on a cc.

cc companys are the devil.

Well, they better get to ivestigating then, cuz they're high as fuck if they think I'm gonna pay for shit I didn't charge
Tried to for 2 days straight to get ahold of fraud management to discuss this, to no avail.

I'd like to take a guess and say PCU.....

No... but why do you say that?? They known for troubles with credit cards thru them?

[HopAlong]

That sucks Tim, I hope you get it all straightened out.

[T BONE]

I'd like to take a guess and say PCU.....

[MINNESOTA 5.0]

That's BS. Never had to pay on a disputed charge.

ah no. you are responsible for the charges until the fraud investigation is done. if you want your credit to stay good.
you might or might not have to pay for the charges
.
ask me how i know, dont even get me started on fraudulent carges on a cc.

cc companys are the devil.

[SVT5LITER]

I had some fraudulent charges on my visa through my credit union. Few hundred bucks charged at some mall in Canada.

I called em up, told em there was a fraudulent charge, they sent me a form in the mail, took 2 minutes to fill out, sent it back. My next bill the charge was gone.

I was surprised how easy it was to get taken care of. I called Visa though, not my credit union.

I called whatever 800 number was on the bill to report things such as this ... it wasn't my credit union, if that's the case, this would be over with already. I could threaten them with closure in PERSON!