Desert School Credit Union Rerfusal to reverse NSF after vendor reversed unauthorized charges Internet
2 on line vendors that I used regularly charged me in error on January 9 and 10th.
JustFab charged me a membership for $39.95
SoleSociety charged me a membership of $49.95
Desert School told me they could not do anything until the charges were posted on my account. Once posted I contacted both vendors to advise about the error, both of them reversed the charges within 24 hours. However, I was negative at the time and Desert School charged 2 fees of $35 each for these transactions. Once both credits were issued, I asked Desert School to reverse both NSF as it was an error but Desert School refused stating it was not their error. I try to reason with the customer Service rep but basically they told me to ask the vendor to reimburse me the NSF.
This is really an unethical behavior and Desert School should be ashamed of themselves to make money that way. Can you help?
4 Updates & Rebuttals
Ken
Colorado,USA
Sabrina, looks like you left a couple of things out of your ROR...
#5Consumer Suggestion
Sat, January 21, 2012
Just Fab and SoleSociety didn't charge you in error.
You signed up on their sites and failed to cancel within the time limits. Otherwise they wouldn't have had your finacial information OR charged you.
I'm surprised you got your funds credited back to you, most firms with trials like this will NOT refund.
You have zero hopes of having the retaillers pay for your errors and why should the credit union reward you for being careless?
Make this a learning experience to read a retail site's Terms and Conditions BEFORE signing up.
Stacey
Dallas,Texas,
U.S.A.
question
#5Consumer Comment
Sat, January 21, 2012
When you balanced your checkbook what was the bottom line?? My guess is you do not keep a register therefore this is your responsibility not the banks.
Regardless if you switch banks or credit unions this will continue to happen until you start keeping a register instead of relying on online, atm or phone balances.
Flynrider
Phoenix,Arizona,
USA
Same would happen at any bank.
#5Consumer Comment
Fri, January 20, 2012
" . This is really an unethical behavior and Desert School should be ashamed of themselves to make money that way. Can you help?"
That's why you don't give companies access to your bank account. Any bank would treat this the same way. The credit union is correct that it was not their error that caused the overdraft. I think you agree that's the case. Whose error was it? I think you know that your beef is with the companies that made the errors, though you're going to need a lot of luck to get them to actually pay for their mistake.
That illustrates perfectly why you should never allow a company access to an account. If they make mistakes, you'll have to convince them to make it right. That rarely happens. Your best bet is to use a credit card instead.
Robert
Irvine,California,
U.S.A.
Unethical?
#5Consumer Comment
Fri, January 20, 2012
This is really an unethical behavior and Desert School should be ashamed of themselves to make money that way.
- Did the bank make the mistake? Nope, by your own admission it was the on-line companies that made the error. So why should the bank be held accountable for this? Now, I am not saying that you should be stuck with this fee because just like the Credit Union isn't responsible for it..neither are you.
Granted it is a lot easier to go after the "Big Evil Credit Union", but they were right in this case. The vendor is the one who made the error, so the vendor is the one who is responsible to reimburse you for the fees that THEY caused.
Now, I will also say that a few years ago if it was truly a "merchant error" the bank would reverse the fees as well. Unfortunatly too many people were taking advantage of this so they had to become stricter over time. To where I doubt you will find many(if any) Banks/Credit Unions who are still willing to do this now.