How To Handle Credit Card Hassles
HERE IS WHAT DCR (Debt Consolidation Research) SUGGESTS
You need to do: Visit your financial institution inside sixty days of the actual charge, or when you know about the charge, don't delay, and inform them that there has been fraudulent activity in your account. Explain that you would like to file a dispute, and demand they help you in accordance with Federal Legislation.
Don't be intimated if you do not get very far. Many victims receive these responses from their banks like “we couldn't do anything for you" or “you waited too much time; it has been more than sixty days". When the bank says you have waited too long, explain to them the way you called their 800 number the moment the charges were found, and were told by the bank that absolutely nothing could be done.
Remind the bank they failed to work with you appropriately at the 800 #. Instead, provided you with an insufficient explanation of your right to challenge. Tell the bank that it's their fault time has expired, and since they gave you the incorrect information to begin with, they'll simply have to deal with it, take the loss and reverse the costs.
Let them know the facts; this was not authorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything at all! And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face.
The more knowledgeable you appear to be, the further you will get. And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they actually do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account. Be sure to call the Media if necessary so you are being truthful.
If you have to, be loud (but nice) in front of other consumers. If you are just calling by telephone, the above strategies should still work. The bank can simply fax or mail to you the federal Regulation dispute form.
CHARGES TO YOUR Credit Card
In the event the charge ended up being to your current credit card (not debit card, check card, or checking account), contact the credit card issuer as soon as possible in order to obtain a dispute form.
Consumers usually have a little longer to dispute fraudulent credit card fees but it really is safer to take action right away. In this type of situation, credit card disputes are usually successful since fraudulent organizations won't usually contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges.
In the event that this occurs, complain to a manager and let them know you will be submitting a report here. Remember… Don't let them get away with it! The more Reports filed on a Organization or individual, the more likely it would be that the regulators, press as well as legal professionals would want to do something.