- Report: #358414
Complaint Review: Businessmax-Vista Print Passporttofun - Lexington Maine
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Businessmax-Vista Print Passporttofun
95 Hayden Avenue, Lexington, 02421 Maine, U.S.A.
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800-566-8489
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Vista PrintPass, Vista PrintBusinessmax-Vista Print Passporttofun Unauthorized deductions from my debit card Lexington Maine
I discovered this unauthorized charge on my debit account:
8/1/2008 Deb Card Withdrawal POS #000178 *POS* 800-566-8489 CT AP9*PASSPORTTOFUN+-V AP9 ($14.95 ).
Since I didn't know what this was for, I checked the internet and found this site. Yes, I did order return labels and business cards from Vista Print and paid by debit card. I did NOT authorize any other charges and don't know what Passporttofun is. Any advice on what I should do would be appreciated.
Wilma
Boise, Idaho
U.S.A.
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. 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 do the right thing (as most other banks have) by looking at the complaints and immediately reversing the chargetruth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics still worshould k. The bank can easily fax or mail to you the Federal Regulation E dispute form.
8/1/2008 Deb Card Withdrawal POS #000178 *POS* 800-566-8489 CT AP9*PASSPORTTOFUN+-V AP9 ($14.95 ).
Since I didn't know what this was for, I checked the internet and found this site. Yes, I did order return labels and business cards from Vista Print and paid by debit card. I did NOT authorize any other charges and don't know what Passporttofun is. Any advice on what I should do would be appreciated.
Wilma
Boise, Idaho
U.S.A.
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. 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 do the right thing (as most other banks have) by looking at the complaints and immediately reversing the chargetruth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics still worshould k. The bank can easily fax or mail to you the Federal Regulation E dispute form.
2 Updates & Rebuttals
Beth
Myrtle Beach,South Carolina,
U.S.A.
Going to the bank and DEMANDING anything and spouting about Reg E does nothing...
#2Consumer Comment
Fri, August 29, 2008
As a service banker myself, and having been in the industry for several years there are a few things you should know... 1)going to a bank and DEMANDING anything, or causing a scene will certainly not further your cause... it will make you look like an idiot, and will most likely cause whoever is helping you to immediately be less than helpful, or, in other cases, it will result in you being escorted out by the police and your accounts terminated! 2) Reg E has nothing to do with this whatsoever- Here is what I copied from my company website about Reg E "Reg E Electronic Fund Transfers Requires that financial institutions disclose the terms and conditions of electronic wire transfers and document the transactions for the customer. Also, sets strict guidelines for error reporting and error resolution Any transfer of funds initiated through an electronic terminal, telephone, computer, or magnetic tape authorizing the bank to debit or credit an individual's account used primarily for personal, family, or household purpose, which includes: ATM transactions Prearranged, periodic telephone transfers Debit card transactions" In other words, if you come in spouting about Reg E, the banker is going to tell you that, you're SOL because YOU didn't read the terms and conditions of the site YOU purchased from... YOU were provided with the terms and conditions of your bank account the day you opened it, we're not here to hold your hand while you make internet purchases!!! Buyer Beware. It is not the bank's fault that YOU clicked on a website and purchased something and got scammed, Due Dilligence people... 3)We can verify whether or not you called our 1800 number, so saying "it's the bank's fault because I called the 1800 number and they said there's nothing we can do" is not a good way to handle it... Every telephone or service employee who comes in contact with a customer documents what was said/done in the employees notes- if you called, it'll be documented, if not, we know you're lying and you're still SOL. AND we'd never say there's nothing we can do... (unless of course you DID wait past the 60 days...in that case it's your fault, suck it up and call the company who scammed you yourself!) I am not trying to be difficult- so here is how you should REALLY handle it... Monitor your statements! If you didn't make the charge, get off your butt and come into a financial center, an employee WILL help you, in fact, we WILL file the dispute for you and give you a copy!! IF you wait 60 days it's your own fault!! obviously you don't care enough about your money to monitor your statements, this is why we mail them monthly...or make them available online 24/7!! There have been days I have been on the phone with dispute resolution most of the day trying to resolve something for a customer, but the second they become demanding or angry with ME for their mistake, my patience is gone and they can do it on their own. Making a scene in the bank will only result in the police escorting you out.
Beth
Myrtle Beach,South Carolina,
U.S.A.
Going to the bank and DEMANDING anything and spouting about Reg E does nothing...
#3Consumer Comment
Fri, August 29, 2008
As a service banker myself, and having been in the industry for several years there are a few things you should know... 1)going to a bank and DEMANDING anything, or causing a scene will certainly not further your cause... it will make you look like an idiot, and will most likely cause whoever is helping you to immediately be less than helpful, or, in other cases, it will result in you being escorted out by the police and your accounts terminated! 2) Reg E has nothing to do with this whatsoever- Here is what I copied from my company website about Reg E "Reg E Electronic Fund Transfers Requires that financial institutions disclose the terms and conditions of electronic wire transfers and document the transactions for the customer. Also, sets strict guidelines for error reporting and error resolution Any transfer of funds initiated through an electronic terminal, telephone, computer, or magnetic tape authorizing the bank to debit or credit an individual's account used primarily for personal, family, or household purpose, which includes: ATM transactions Prearranged, periodic telephone transfers Debit card transactions" In other words, if you come in spouting about Reg E, the banker is going to tell you that, you're SOL because YOU didn't read the terms and conditions of the site YOU purchased from... YOU were provided with the terms and conditions of your bank account the day you opened it, we're not here to hold your hand while you make internet purchases!!! Buyer Beware. It is not the bank's fault that YOU clicked on a website and purchased something and got scammed, Due Dilligence people... 3)We can verify whether or not you called our 1800 number, so saying "it's the bank's fault because I called the 1800 number and they said there's nothing we can do" is not a good way to handle it... Every telephone or service employee who comes in contact with a customer documents what was said/done in the employees notes- if you called, it'll be documented, if not, we know you're lying and you're still SOL. AND we'd never say there's nothing we can do... (unless of course you DID wait past the 60 days...in that case it's your fault, suck it up and call the company who scammed you yourself!) I am not trying to be difficult- so here is how you should REALLY handle it... Monitor your statements! If you didn't make the charge, get off your butt and come into a financial center, an employee WILL help you, in fact, we WILL file the dispute for you and give you a copy!! IF you wait 60 days it's your own fault!! obviously you don't care enough about your money to monitor your statements, this is why we mail them monthly...or make them available online 24/7!! There have been days I have been on the phone with dispute resolution most of the day trying to resolve something for a customer, but the second they become demanding or angry with ME for their mistake, my patience is gone and they can do it on their own. Making a scene in the bank will only result in the police escorting you out.
