Posted: 9/12/2011 4:28:55 PM EDT
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So i reported in to BOA a few weeks ago for a charge on my Credit Card
the charge was made for products 6 months prior that i never recieved, and i had tried every route to recieve a refund etc from the merchant etc so i tried to get them to cancel the charge they did a temp cancel and put the money in my account temp got a letter today saying there was nothing they could do and i should take it up with the merchant I am livid, they are taking the money out tomorrow and i am in the field all week and cant get to the bank i plan on taking every dollar i have out of BOA when i get back BOA SUCKS |
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How is it BOA's fault that you bought merchandise from a shitty merchant?
Do they have a policy to refund charges when you can't prove you never received the items? ETA: If it was an identity theft thing, that's different, but if you willingly purchased from the merchant do they have a policy to refund the charges? I'm actually curious, not trying to be a dick. |
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well their retort was that it was a matter that had to be taken up with the merchant so now i am back to square 1 I am so mad, and even more frustrated bc i am unable to do anything now bc of where i am Can I ask which merchant? I think I'd like to avoid them. Unless you were buying fleshlights in bulk, that I don't need to know. 
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I fucking hate BOA. I will never do business with them ever again. The only reason I'm doing business with them now is because the cock suckers bought my mortgage from Sun Trust. They bought mine too, and tried to fuck me over with having to purchase additional insurance because they are to ignorant to understand the policy I have. I've got no love for them bastards. |
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it is a local merchant in Va, i can pm you if you are really interested
but i am tempted to transfer every dollar out now to my other bank just to be a dick back so when they try to get their voided money back its not there they kinda screwed me on timing too, letter came today and said money will be drawn out on weds BS |
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How is it BOA's fault that you bought merchandise from a shitty merchant? Do they have a policy to refund charges when you can't prove you never received the items? ETA: If it was an identity theft thing, that's different, but if you willingly purchased from the merchant do they have a policy to refund the charges? I'm actually curious, not trying to be a dick. That's not how chargebacks work. Do some reading. Credit cards exist partially as a mechanism to protect individuals against sales fraud. The whole point of a chargeback is it allows the card holder to be shielded from fraud and theft. The banks accept that liability when issuing cards. Why is it GD always assumes the individual is a worthless, pathetic loser that gets everything coming to them, but a giant transnational bank with a horrible history of abuse and corruption gets the benefit of the doubt? That's some seriously sociopathic hate shit. |
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sir im not up with the lingo? say again please VA HTF = ARFCOM Virginia Hometown Forum And that's ma'am to you. 
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So i reported in to BOA a few weeks ago for a charge on my Credit Card the charge was made for products 6 months prior that i never recieved, and i had tried every route to recieve a refund etc from the merchant etc so i tried to get them to cancel the charge they did a temp cancel and put the money in my account temp got a letter today saying there was nothing they could do and i should take it up with the merchant I am livid, they are taking the money out tomorrow and i am in the field all week and cant get to the bank i plan on taking every dollar i have out of BOA when i get back BOA SUCKS You have 60 days from the point the charges appeared on your bill to dispute. Not 180 days... Not BOA's fault. Look up the Fair Credit Billing Act and Regulation E. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); That is if you really feel gyped. |
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Quoted:
How is it BOA's fault that you bought merchandise from a shitty merchant? Do they have a policy to refund charges when you can't prove you never received the items? ETA: If it was an identity theft thing, that's different, but if you willingly purchased from the merchant do they have a policy to refund the charges? I'm actually curious, not trying to be a dick. That's not how chargebacks work. Do some reading. Credit cards exist partially as a mechanism to protect individuals against sales fraud. The whole point of a chargeback is it allows the card holder to be shielded from fraud and theft. The banks accept that liability when issuing cards. Why is it GD always assumes the individual is a worthless, pathetic loser that gets everything coming to them, but a giant transnational bank with a horrible history of abuse and corruption gets the benefit of the doubt? That's some seriously sociopathic hate shit. There are hundreds if not thousands of laws dealing with banking regulations of every sort. In those you'll find Regulation E and you'll also find the Fair Credit Billing Act, both detailing the process the consumer must take and the biller. Chargebacks are NOT automatic, SOMEONE loses money and many times that's the card issuer. |
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I have no idea why people insist on keeping thier money in big mega fuck you banks. The thousands of corporations, llcs, sole props, non-profs all run through a bank, they provide services to run those businesses including storage of money, ordering money, loans, lines of credit, payroll accounts, etc. They provide consumers with many of the same things. They also provide more stability. There were 71 banks failed this year, the last one being last week. Those small banks are doing awesome aren't they? 
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<snip> You have 60 days from the point the charges appeared on your bill to dispute. Not 180 days... Not BOA's fault. Look up the Fair Credit Billing Act and Regulation E. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); That is if you really feel gyped. I need to look it up myself, but I seem to recall that you have 60 days from when the false charges are discovered. Is that the correct verbiage or am I misremembering things? The diffference in this case is at what point in time it became apparent that the charges are false versus what time the charges were posted. I honestly don't know, but that's what I remember the Act stating. In any case, I will add +1 to the BoA sucks comments. I'm a BoA customer only because they bought someone else. |
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Quoted: I could give a fuck less how the small banks are doing. As long as I have a local place where I can deposit money and not get completely ass raped with bullshit fess, I'll be fine. ThanksQuoted: I have no idea why people insist on keeping thier money in big mega fuck you banks. The thousands of corporations, llcs, sole props, non-profs all run through a bank, they provide services to run those businesses including storage of money, ordering money, loans, lines of credit, payroll accounts, etc. They provide consumers with many of the same things. They also provide more stability. There were 71 banks failed this year, the last one being last week. Those small banks are doing awesome aren't they? |
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<snip> You have 60 days from the point the charges appeared on your bill to dispute. Not 180 days... Not BOA's fault. Look up the Fair Credit Billing Act and Regulation E. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); That is if you really feel gyped. I need to look it up myself, but I seem to recall that you have 60 days from when the false charges are discovered. Is that the correct verbiage or am I misremembering things? The diffference in this case is at what point in time it became apparent that the charges are false versus what time the charges were posted. I honestly don't know, but that's what I remember the Act stating. In any case, I will add +1 to the BoA sucks comments. I'm a BoA customer only because they bought someone else. I posted where it's located. Feel free to check out the FTC's site. The FCBA explicitly states 60 days from when the charges appears on the BILL. |
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I could give a fuck less how the small banks are doing. As long as I have a local place where I can deposit money and not get completely ass raped with bullshit fess, I'll be fine. ThanksQuoted:
I have no idea why people insist on keeping thier money in big mega fuck you banks. The thousands of corporations, llcs, sole props, non-profs all run through a bank, they provide services to run those businesses including storage of money, ordering money, loans, lines of credit, payroll accounts, etc. They provide consumers with many of the same things. They also provide more stability. There were 71 banks failed this year, the last one being last week. Those small banks are doing awesome aren't they? Until it is seized for being insolvent and hopefully bought out otherwise you're SOL. I ain't hating on your choice, it's a fine one. But you state you have no idea why... some of us travel and like the convenience of being able to go into a bank wherever we go. |