#2REBUTTAL Owner of company
Mon, October 31, 2016
Just to Rebutt what you said if you look at your statements or transactions and see the charge call the phone # listed next to the charge if they tell you what it is for and if you still don't have any business call the bank dispute it close your card not a very long process & your bank will dispute it. As far as 60 days that is correct if you read REG E it states you have 60 days to file a dispute we get some of the money back but when you call the bank and it's a year later your out
cmaryc
Steamboat Springs,#3General Comment
Mon, October 01, 2012
While I am certain that this company, along with thousands of other unscrupulous business, are ripping off unsuspecting consumers right and left; I have to agree with BahamaBart that taking it out on your bank is NOT the answer.
I feel that Ripoff Report, while being a valuable tool for consumers, is giving very misguided advice in regard to disputing charges. I process Reg E disputes for our small community bank. I am more than happy to assist my customers in their rightful fraud claims. As a consumer myself I appreciate that a bank is willing to handle these disputes at NO CHARGE to the customer.
However, this advice of disputing all kinds of debit card charges with your bank has become a huge problem. What the consumer fails to realize is that Visa/ Mastercard are the big boys here that easily wriggle out from under these claims, right along with the consumer.
So who pays for not only the expense of filing the dispute, but also the reimbursement to the customer? Your local bank! The number of disputes that are actually successfully resolved and reimbursed by Visa/Mastercard are tiny compared to the dollars that are reimbursed by your individual bank.
We are seeing more and more customers carelessly providing their debit card number to all those fantastic sounding online offers, only to find they have signed off on ongoing fees and charges for a bogus product. They then come in and claim to the bank that they don't look at their statements, don't remember doing this, didn't know what they were agreeing to, don't like the product, and on and on. So we close their debit card, give the customer their legally entitled provisional credit, order a new debit card (usually at no cost even though it costs the bank hard $), file a dispute (at no cost even though it costs the bank hard $), and get a "so sorry" from the credit card company. The customer goes on their merry way with their account made whole, and in many cases starts the process all over again.
If I sound grumpy, I am. Stick it to the bank means my staff and I have not seen any raises in 4 years, we've had to cut staff (read: cut customer service) and my customers with real issues like losing jobs and homes have to stand in line behind folks who are not taking responsibility for their own online shopping.
Ripoff Report, we would all appreciate a more constructive solution to predatory business practices than making a scene at the neighborhood bank. After all, we are your neighbor too.
BahamaBart
miami,#4General Comment
Mon, May 16, 2011
So your advise is to go to the bank and make a big stink? Call the press and contact the regulators? As long as the bank eats the losses, life is good? Eventually the bank will recoup the losses by charging its client base more for services.
When you took that debit card or credit card it came with disclosures and you accepted them. Reg. E for Debit Cards is pretty clear - consumer are responsible for the $50.00 if reported timely and up to $500.00. You've enjoyed the benefits but now those disclosures don't suit you so the hell with them?
This NEW America of entitlement sucks.
Hteink Min
Jyvaskyla,#5Consumer Comment
Fri, November 21, 2008
One of my friend was just attacked by this clkbank.com. The bank statement shown the purchase that he didnt make online and it mention clkbank.com. We are clarifying with the bank on coming monday. Too bad the bank close on sat and sun. Will update on how the bank response.
Hteink Min
Jyvaskyla,#6Consumer Comment
Fri, November 21, 2008
One of my friend was just attacked by this clkbank.com. The bank statement shown the purchase that he didnt make online and it mention clkbank.com. We are clarifying with the bank on coming monday. Too bad the bank close on sat and sun. Will update on how the bank response.
Hteink Min
Jyvaskyla,#7Consumer Comment
Fri, November 21, 2008
One of my friend was just attacked by this clkbank.com. The bank statement shown the purchase that he didnt make online and it mention clkbank.com. We are clarifying with the bank on coming monday. Too bad the bank close on sat and sun. Will update on how the bank response.
Hteink Min
Jyvaskyla,#8Consumer Comment
Fri, November 21, 2008
One of my friend was just attacked by this clkbank.com. The bank statement shown the purchase that he didnt make online and it mention clkbank.com. We are clarifying with the bank on coming monday. Too bad the bank close on sat and sun. Will update on how the bank response.