- Report: #1430149
Complaint Review: Spectrum - New York
Reported By:
korey -
Honeoye Falls, New York, United States
Submitted:
Updated:
-
Author Confirmed
Why?
Spectrum
New York, United States
Phone:
844-247-6290
Web:
www.spectrum.net
Categories:
Business Rating:
(0)
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Spectrum Time Warner Spectrum charging $20 for having my credit card declined. New York
Spectrum charges $20 for a declined credit card transaction. I'm baffled. They're the first business in my 42 years of doing business where I've seen such a thing. I'm honestly aghast, and can hardly believe this. Someone pinch me, please, is this what corporate America has become? It costs them nothing, denoting the differences between a returned check, vs a declined credit or debit card payment.
On my spectrum.net account details page they call it a returned payment fee, but itemized elsewhere they call it a declined payment, declined being the correct terminology. This has happened to me on two occasions, two months in a row. Upon calling in the first time, after an hour of convincing them it was a ripoff, they removed the charge. On the second month, they said it was impossible.
I keep thinking I am missing something? Has this happened to anyone else? They insist this is their policy, for all declined payments, so if my credit card provider flags my account and prevents the card from being used, all circumstance comletely beyond my control, then I have to pay for that? Well, that is what it seems.
It is my view, SPECTRUM is ripping people off, and I have it all on tape. I asked every imaginable question to make sure it wasn't some sort of a glitch or that I wasn't understaning incorrectly. They are also claiming on tape, that the credit card provider has given them a reason code 521, which is non sufficient funds. In my experience in accepting credit cards in the past, they will sometimes give reason codes, but never did I see an NSF. Did I blink and the industry changed overnight like this? Is SPECTRUM giving me proper information? Are they really charging people for simply having their credit and debit cards declined? Someone please tell me I'm wrong.
Thanks so much.
1 Updates & Rebuttals
Robert
Irvine,California,
United States
Actually
#2Consumer Comment
Tue, February 20, 2018
Actually they did give you a breakby crediting you..ONCE.
But it happened twice. If you are sure there is no reason why your bank should be declining the transaction, perhaps you should contact your bank. If the bank is doing something in error to cause this, then they should be the ones responsible for any costs that they caused. But since only you, Spectrum, and your bank know exactly what is going on. This is something you need to work out between you, Spectrum, and your bank.
As for a NSF Reason code. While the reject code is probably specific to their system, a NSF code is a standard resonse code on many systems. The reason is that Debit cards are tied to a bank account, and just like an ACH transaction or other POS withdraw it can be rejected if there is not enough money in the account. Where the bank does not allow you to go negative, or you have opted out of any sort of "Overdraft Protection". Depending on the processing system it could also mean that the bank is reporting you at your credit limit if it is a real credit card. Because remember a Debit Card and Credit Card are NOT the same thing.
Oh and while not every company does it now, you will find that this is becoming a standard across the board.
