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Disputing a Charge--BoA, Visa
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 2012-10-22 12:04 PM |
Melon Presser  52116   |  Subject: Disputing a Charge--BoA, VisaHowdy folks, and thanks in advance for any replies. My roommate/superfriend canceled his U.S. T-Mobile cell phone account (not a contract, strictly month-to-month) over the phone--a Skype call to T-Mobile which I overheard and there's a record on his Skype account. He did this last month before his next billing cycle. So he was expecting last month's charge. T-Mobile charged his account this month AGAIN. He tried to dispute the charge with Bank of America, and was told that they cannot stop the payment because only merchants can do that. He was told to contact the Claims Department, which would send him claim dispute forms in the mail (but only to a U.S. address, of course) which he could then fill out, sign, and send back. (Of course, in the meanwhile, the charge goes through and stands). He tried to dispute the charge with Visa (it was charged to a BoA Visa checkcard), and they told him they couldn't do anything; it was a Bank of America card and he had to go through Bank of America. Thoughts? Options? I can see BofA giving him the runaround--I have half-a-dozen stories just of my own of similar dealings with them--but it surprised me very much that he couldn't dispute the charge with Visa. |
| 2012-10-22 12:06 PM in reply to: #4463534 |
 Alpharetta, Georgia | Subject: RE: Disputing a Charge--BoA, Visa I would have started with T-Mobile - has he tried that route? Re-reading sounds like maybe he has? Another Skype call maybe? Edited by lisac957 2012-10-22 12:06 PM |
| 2012-10-22 12:49 PM in reply to: #4463539 |
Melon Presser 52116 | Subject: RE: Disputing a Charge--BoA, Visa lisac957 - 2012-10-23 1:06 AM I would have started with T-Mobile - has he tried that route? Re-reading sounds like maybe he has? Another Skype call maybe? I'm sorry, in my rush to post I forgot to mention he did start with T-Mobile. T-Mobile claims he has a three-month billing cycle. However, he's always been charged monthly and nowhere in any of his online statements in fine print is a three-month billing cycle mentioned; unfortunately, he didn't bring the original paperwork he signed when he opened the account at a T-Mobile store. It's possible that the language there states that you will be billed through three months from the time of cancellation. It seems ridiculous, and he wasn't told that when he cancelled, but it's possible. |
| 2012-10-22 12:51 PM in reply to: #4463534 |
Expert 3126  Boise, ID | Subject: RE: Disputing a Charge--BoA, Visa
I was able to dispute a credit card charge with BofA, you can open up a case online with them. However I don't believe you can dispute charges with a debit card. I don't have a BofA account anymore otherwise I would check into it. But I am pretty sure the rules are different for debit or check cards. |
| 2012-10-22 12:54 PM in reply to: #4463534 |
Champion 7558 Albuquerque, New Mexico | Subject: RE: Disputing a Charge--BoA, Visa He needs to dispute the charge in writing with BofA. That will delay them clearing the transaction on his account. |
| 2012-10-22 12:56 PM in reply to: #4463652 |
Champion 18680 Lost in the Luminiferous Aether | Subject: RE: Disputing a Charge--BoA, Visa Aarondb4 - 2012-10-22 1:51 PM
I was able to dispute a credit card charge with BofA, you can open up a case online with them. However I don't believe you can dispute charges with a debit card. I don't have a BofA account anymore otherwise I would check into it. But I am pretty sure the rules are different for debit or check cards. Actually it isn't. I have had to dispute debit card charges that were fradulent when my card number was stolen. BofA is actually pretty good about their claims as far as I have seen. You can also chat with an account rep online and get some advice that way as well.
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| 2012-10-22 1:11 PM in reply to: #4463662 |
Melon Presser 52116 | Subject: RE: Disputing a Charge--BoA, Visa trinnas - 2012-10-23 1:56 AM Aarondb4 - 2012-10-22 1:51 PM
I was able to dispute a credit card charge with BofA, you can open up a case online with them. However I don't believe you can dispute charges with a debit card. I don't have a BofA account anymore otherwise I would check into it. But I am pretty sure the rules are different for debit or check cards. Actually it isn't. I have had to dispute debit card charges that were fradulent when my card number was stolen. BofA is actually pretty good about their claims as far as I have seen. You can also chat with an account rep online and get some advice that way as well.
Unfortunately, that's not been my experience at all with BoA. But that's just one data point, and my friend Jim is just another. He may chat online because that way he can get a transcript of the conversation, as opposed to calling them on the phone which he did today. He's accepted that the charge is going to go through and he has to dispute it in writing through the Claim Forms he's being sent by filling them out and mailing them back. Doesn't mean he isn't going to try every other means of disputing this charge in the meanwhile that he can think of. |
| 2012-10-22 1:12 PM in reply to: #4463657 |
Melon Presser 52116 | Subject: RE: Disputing a Charge--BoA, Visa McFuzz - 2012-10-23 1:54 AM He needs to dispute the charge in writing with BofA. That will delay them clearing the transaction on his account. Does "in writing" mean e-mail or fax? Thanks for the answer--we're following it up with what to write and how/where to send it with BofA website. |
| 2012-10-22 1:35 PM in reply to: #4463703 |
Champion 18680 Lost in the Luminiferous Aether | Subject: RE: Disputing a Charge--BoA, Visa TriAya - 2012-10-22 2:11 PM trinnas - 2012-10-23 1:56 AM Aarondb4 - 2012-10-22 1:51 PM
I was able to dispute a credit card charge with BofA, you can open up a case online with them. However I don't believe you can dispute charges with a debit card. I don't have a BofA account anymore otherwise I would check into it. But I am pretty sure the rules are different for debit or check cards. Actually it isn't. I have had to dispute debit card charges that were fradulent when my card number was stolen. BofA is actually pretty good about their claims as far as I have seen. You can also chat with an account rep online and get some advice that way as well.
Unfortunately, that's not been my experience at all with BoA. But that's just one data point, and my friend Jim is just another. He may chat online because that way he can get a transcript of the conversation, as opposed to calling them on the phone which he did today. He's accepted that the charge is going to go through and he has to dispute it in writing through the Claim Forms he's being sent by filling them out and mailing them back. Doesn't mean he isn't going to try every other means of disputing this charge in the meanwhile that he can think of. Well there have been a few times that my info has been compromised and i have always had fairly good experiences with them. Then again it was their systems that were compromised.
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| 2012-10-22 1:50 PM in reply to: #4463766 |
Melon Presser 52116 | Subject: RE: Disputing a Charge--BoA, Visa trinnas - 2012-10-23 2:35 AM TriAya - 2012-10-22 2:11 PM trinnas - 2012-10-23 1:56 AM Aarondb4 - 2012-10-22 1:51 PM
I was able to dispute a credit card charge with BofA, you can open up a case online with them. However I don't believe you can dispute charges with a debit card. I don't have a BofA account anymore otherwise I would check into it. But I am pretty sure the rules are different for debit or check cards. Actually it isn't. I have had to dispute debit card charges that were fradulent when my card number was stolen. BofA is actually pretty good about their claims as far as I have seen. You can also chat with an account rep online and get some advice that way as well.
Unfortunately, that's not been my experience at all with BoA. But that's just one data point, and my friend Jim is just another. He may chat online because that way he can get a transcript of the conversation, as opposed to calling them on the phone which he did today. He's accepted that the charge is going to go through and he has to dispute it in writing through the Claim Forms he's being sent by filling them out and mailing them back. Doesn't mean he isn't going to try every other means of disputing this charge in the meanwhile that he can think of. Well there have been a few times that my info has been compromised and i have always had fairly good experiences with them. Then again it was their systems that were compromised. An odd fact I've left out is that this second charge somehow got charged to his NEW checkcard number (which is not the same as the old one). This is a brand new card. BofA told him that VISA must have given T-Mobile his new number. VISA vehemently denied this. Kinda interesting but not sure if he can get any juice out of it--of course, he'd have to get all this in writing. To BofA's credit (on a personal note) they were the only bank that would give me an account AT ALL because I was on Chexsystem. For that, very grateful. They were also good about calling me when charges that didn't fit a pattern showed up on my account. However, disputing charges, whether internal or external, without exception, was very difficult and painful. Not to mention a host of other serious problems (including one where my personal account mysteriously changed into a business account, was charged the much higher monthly fee. Was told "that's impossible" and I must have been mistaken about it being a personal account. Then when they checked what I opened it as, well, gee, it was a personal account. And now it's "impossibly" a business account. No, they could not change it back (since it was impossible to have changed it into one in the first place). They did reimburse the business-account charge, but unfortunately, I had to close that account entirely and open a new personal account). |
| 2012-10-22 2:00 PM in reply to: #4463801 |
Champion 16151 Checkin' out the podium girls | Subject: RE: Disputing a Charge--BoA, Visa TriAya - 2012-10-22 2:50 PM trinnas - 2012-10-23 2:35 AM TriAya - 2012-10-22 2:11 PM trinnas - 2012-10-23 1:56 AM Aarondb4 - 2012-10-22 1:51 PM
I was able to dispute a credit card charge with BofA, you can open up a case online with them. However I don't believe you can dispute charges with a debit card. I don't have a BofA account anymore otherwise I would check into it. But I am pretty sure the rules are different for debit or check cards. Actually it isn't. I have had to dispute debit card charges that were fradulent when my card number was stolen. BofA is actually pretty good about their claims as far as I have seen. You can also chat with an account rep online and get some advice that way as well.
Unfortunately, that's not been my experience at all with BoA. But that's just one data point, and my friend Jim is just another. He may chat online because that way he can get a transcript of the conversation, as opposed to calling them on the phone which he did today. He's accepted that the charge is going to go through and he has to dispute it in writing through the Claim Forms he's being sent by filling them out and mailing them back. Doesn't mean he isn't going to try every other means of disputing this charge in the meanwhile that he can think of. Well there have been a few times that my info has been compromised and i have always had fairly good experiences with them. Then again it was their systems that were compromised. An odd fact I've left out is that this second charge somehow got charged to his NEW checkcard number (which is not the same as the old one). This is a brand new card. BofA told him that VISA must have given T-Mobile his new number. VISA vehemently denied this. Kinda interesting but not sure if he can get any juice out of it--of course, he'd have to get all this in writing. To BofA's credit (on a personal note) they were the only bank that would give me an account AT ALL because I was on Chexsystem. For that, very grateful. They were also good about calling me when charges that didn't fit a pattern showed up on my account. However, disputing charges, whether internal or external, without exception, was very difficult and painful. Not to mention a host of other serious problems (including one where my personal account mysteriously changed into a business account, was charged the much higher monthly fee. Was told "that's impossible" and I must have been mistaken about it being a personal account. Then when they checked what I opened it as, well, gee, it was a personal account. And now it's "impossibly" a business account. No, they could not change it back (since it was impossible to have changed it into one in the first place). They did reimburse the business-account charge, but unfortunately, I had to close that account entirely and open a new personal account). No, that's not how it works. Your old account of ****1234 gets changed to ****7890, but the charges from ****1234 just get forwarded. You need to completely close the old and open a new or that 1234 account needs to expire to end it. I tried that once to attempt to end recurring billing and that's how my crdit union explained it to me. |
| 2012-10-22 2:13 PM in reply to: #4463534 |
Master 6834 Englewood, Florida | Subject: RE: Disputing a Charge--BoA, Visa Yanti, try T-Mobile first, then the bank. Here in the states this falls under the purview of Reg E. If you need some sleep or suffer from insomnia: http://www.ecfr.gov/cgi-bin/retrieveECFR?gp=&SID=72c5d5a712c279f02b... We have had to do written communications as a document, often emailed is fine. Oh yeah, one other thing is that PIN based (debit) and signed transactions (technically considered credit) are treated differently. So, for future reference you stand in a better place with credit transactions. |
| 2012-10-22 2:15 PM in reply to: #4463832 |
Master 6834 Englewood, Florida | Subject: RE: Disputing a Charge--BoA, Visa pitt83 - 2012-10-22 3:00 PM TriAya - 2012-10-22 2:50 PM trinnas - 2012-10-23 2:35 AM TriAya - 2012-10-22 2:11 PM trinnas - 2012-10-23 1:56 AM Aarondb4 - 2012-10-22 1:51 PM
I was able to dispute a credit card charge with BofA, you can open up a case online with them. However I don't believe you can dispute charges with a debit card. I don't have a BofA account anymore otherwise I would check into it. But I am pretty sure the rules are different for debit or check cards. Actually it isn't. I have had to dispute debit card charges that were fradulent when my card number was stolen. BofA is actually pretty good about their claims as far as I have seen. You can also chat with an account rep online and get some advice that way as well.
Unfortunately, that's not been my experience at all with BoA. But that's just one data point, and my friend Jim is just another. He may chat online because that way he can get a transcript of the conversation, as opposed to calling them on the phone which he did today. He's accepted that the charge is going to go through and he has to dispute it in writing through the Claim Forms he's being sent by filling them out and mailing them back. Doesn't mean he isn't going to try every other means of disputing this charge in the meanwhile that he can think of. Well there have been a few times that my info has been compromised and i have always had fairly good experiences with them. Then again it was their systems that were compromised. An odd fact I've left out is that this second charge somehow got charged to his NEW checkcard number (which is not the same as the old one). This is a brand new card. BofA told him that VISA must have given T-Mobile his new number. VISA vehemently denied this. Kinda interesting but not sure if he can get any juice out of it--of course, he'd have to get all this in writing. To BofA's credit (on a personal note) they were the only bank that would give me an account AT ALL because I was on Chexsystem. For that, very grateful. They were also good about calling me when charges that didn't fit a pattern showed up on my account. However, disputing charges, whether internal or external, without exception, was very difficult and painful. Not to mention a host of other serious problems (including one where my personal account mysteriously changed into a business account, was charged the much higher monthly fee. Was told "that's impossible" and I must have been mistaken about it being a personal account. Then when they checked what I opened it as, well, gee, it was a personal account. And now it's "impossibly" a business account. No, they could not change it back (since it was impossible to have changed it into one in the first place). They did reimburse the business-account charge, but unfortunately, I had to close that account entirely and open a new personal account). No, that's not how it works. Your old account of ****1234 gets changed to ****7890, but the charges from ****1234 just get forwarded. You need to completely close the old and open a new or that 1234 account needs to expire to end it. I tried that once to attempt to end recurring billing and that's how my crdit union explained it to me. Yeah, think of it as if the card is attached to an account. A transaction hits the card, which charges the account. So in this case, it sounds like they are directly hitting the checking account electronically. Edited by cdban66 2012-10-22 2:19 PM |
| 2012-10-22 2:18 PM in reply to: #4463832 |
Melon Presser 52116 | Subject: RE: Disputing a Charge--BoA, Visa pitt83 - 2012-10-23 3:00 AM TriAya - 2012-10-22 2:50 PM No, that's not how it works. Your old account of ****1234 gets changed to ****7890, but the charges from ****1234 just get forwarded. You need to completely close the old and open a new or that 1234 account needs to expire to end it. I tried that once to attempt to end recurring billing and that's how my crdit union explained it to me.trinnas - 2012-10-23 2:35 AM TriAya - 2012-10-22 2:11 PM trinnas - 2012-10-23 1:56 AM Aarondb4 - 2012-10-22 1:51 PM
I was able to dispute a credit card charge with BofA, you can open up a case online with them. However I don't believe you can dispute charges with a debit card. I don't have a BofA account anymore otherwise I would check into it. But I am pretty sure the rules are different for debit or check cards. Actually it isn't. I have had to dispute debit card charges that were fradulent when my card number was stolen. BofA is actually pretty good about their claims as far as I have seen. You can also chat with an account rep online and get some advice that way as well.
Unfortunately, that's not been my experience at all with BoA. But that's just one data point, and my friend Jim is just another. He may chat online because that way he can get a transcript of the conversation, as opposed to calling them on the phone which he did today. He's accepted that the charge is going to go through and he has to dispute it in writing through the Claim Forms he's being sent by filling them out and mailing them back. Doesn't mean he isn't going to try every other means of disputing this charge in the meanwhile that he can think of. Well there have been a few times that my info has been compromised and i have always had fairly good experiences with them. Then again it was their systems that were compromised. An odd fact I've left out is that this second charge somehow got charged to his NEW checkcard number (which is not the same as the old one). This is a brand new card. BofA told him that VISA must have given T-Mobile his new number. VISA vehemently denied this. Kinda interesting but not sure if he can get any juice out of it--of course, he'd have to get all this in writing. To BofA's credit (on a personal note) they were the only bank that would give me an account AT ALL because I was on Chexsystem. For that, very grateful. They were also good about calling me when charges that didn't fit a pattern showed up on my account. However, disputing charges, whether internal or external, without exception, was very difficult and painful. Not to mention a host of other serious problems (including one where my personal account mysteriously changed into a business account, was charged the much higher monthly fee. Was told "that's impossible" and I must have been mistaken about it being a personal account. Then when they checked what I opened it as, well, gee, it was a personal account. And now it's "impossibly" a business account. No, they could not change it back (since it was impossible to have changed it into one in the first place). They did reimburse the business-account charge, but unfortunately, I had to close that account entirely and open a new personal account). That makes sense and is all good--and is exactly what the BoA Customer Service rep should have said. She did not. She specifically stated that VISA must have given out the new card number. I've been there for this entire chain of events Then again, that jibes with much of my personal experience with BoA Customer Service. |
| 2012-10-22 3:28 PM in reply to: #4463801 |
Pro 4339 Husker Nation | Subject: RE: Disputing a Charge--BoA, Visa TriAya - 2012-10-22 1:50 PM An odd fact I've left out is that this second charge somehow got charged to his NEW checkcard number (which is not the same as the old one). This is a brand new card. This exact same thing happened to me with Sirius Radio--I had to get a new card because fraudulent activity on my old card resulted in my bank shutting it down and sending me a new one with a new number. Yet somehow a couple months later Sirius was able to automatically renew my subscription with the new number! I was just going to let it lapse (had gotten into podcasting and didn't even use it anymore) and then I get nailed with a charge from them for over $100. Contested it through my bank (US Bank) and they got it cleared off after I sent a bunch of stuff to North Dakota including some kind of a disputed claim form thing. This was several years ago. Edit: I fought it through US Bank by saying it was a fraudulent charge, because technically it was. They had no way of knowing my new card's number, yet were able to make charges to it. Edited by Bripod 2012-10-22 3:29 PM |
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