| Bank did not resolve fraudulent dispute in June |
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nemoryer
Full Member
Cash: $ 13.35
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Joined: 11 Apr 2009
Location: wa
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| Bank did not resolve fraudulent dispute in June |
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Hello, I am very upset and quite distraught.
Last June of 2012, I visited israel and while there, encountered a crooked merchant on the street who literally forced me into buying 2 of his coins (I was with tourguide who knew the merchant - they were in cahoots). He then pulled out his portable credit card slider (BIG MISTAKE and I should have known better but did not). The charge of $40 turned out to be $408 on my Citibank statement. I quickly disputed the charge and they sent me VIA EMAIL a fraudulent disclosure statement that if I marked X on the box would constitute my ELECTRONIC SIGNATURE. Shortly thereafter, they reversed the $408. I thought everything had been settled. However, they also did send me a hard copy form which I kept and didn't fax nor send in, I thought the email electronic signature was all they needed.
Fast forward to August, on my recent statement which I checked today, it shows the $408 back in. I also checked an email they sent me which I never opened because I thought it was just an ad, stating that since I did not fully comply with their requirement of fraudulent disclosure, they were compelled to REPORT the $408 as unpaid to the 3 credit bureaus. NOW, my credit is ruined. I've had perfect credit scores before.
So today (Sunday), I went to Kinko's and faxed the hard copy Fraudulent Statement along with cover letter and a copy of the merchant's bill which clearly indicates $40.
Unfortunately, today is SUNDAY and the Security Division of the bank is closed so I have all of today to agonize over this and wait until tomorrow to call them. Their Customer Service Dept. could not do anything for me.
Has this happened to anyone and what to do? I am very very upset. Thank you.
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Sun Aug 19, 2012 6:13 pm |
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Wino
Senior Member
Cash: $ 113.80
Posts: 560
Joined: 03 Aug 2012
Location: Dubai
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quote:
Originally posted by nemoryer
they also did send me a hard copy form which I kept and didn't fax nor send in
and
quote:
Originally posted by nemoryer
I also checked an email they sent me which I never opened because I thought it was just an ad
and finally
quote:
Originally posted by nemoryer
Bank did not resolve fraudulent dispute
It seems to me that you were more than a little at fault for this situation. The original swipe-thievery is why the dispute process is in place, so I don't really fault you for that; however, not to follow-up not only one time, but twice is really over the top.
It is not that I am without sympathy for your situation, but you are partially to blame. This time, do all of the tasks necessary, and let Visa or MC take care of their end of it.
But to answer your question: Yes, I had the same thing happen with me with Houston Cellular many years ago. I signed a contract that clearly had the "Month-to-Month" box checked. When I canceled later, they charged me a cancellation fee. I sent a copy of my contract four times to Amex to get the charge removed, and Amex removed it every time. The problem was that Houston Cellular continued to re-charge the bogus fee every month.
Yes, I continued to inform HC of their mistake, and they continued to re-charge me until they went out of business (I think they were bought by AT&T or some other entity). I eventually just left it on my Credit Report as I don't use credit anyway. It was a small ding, so I could really care less.
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Mon Aug 20, 2012 2:41 am |
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littleroc02us
Moderator
Cash: $ 384.35
Posts: 1891
Joined: 09 Feb 2009
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What type of card was this? I hope a Visa??
Risk comes from not knowing what you're doing. (Warren Buffet)
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Mon Aug 20, 2012 2:45 pm |
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