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dqm either


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This isn't right.
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I recently made a largish purchase directly from my checking account.  Normally what I do for large purchases is save up the money and pay for them out of my savings account.  But this one it just so happened that I was going to transfer money from checking into savings anyway and the difference wasn't enough to bother with all those extra steps so I paid out of my checking account.

Well, the company charged me twice and caused me to bounce two checks.  This sucks to high heaven! I hardly ever even write checks and of course the only two checks that I wrote this month both bounced. 

So I was charged $30 bank fees for each returned item plus I'm being charged $35 by one of the businesses that I wrote the check to. 

I immediately called the company and told them what happened and they agreed to refund my money to my account.  I said that wasn't good enough.  That they also owed me $95 for causing me to bounce checks.  The guy said there was nothing he could do about that.  I'm not cool with eating their mistake so I asked them to write me a letter explaining what they did wrong so I could take it to my bank and get them to reverse the charges.

Today I took that letter to the bank and the bank told me that they would not refund my $60 because it wasn't THEIR mistake that the establishment charged me twice. 

Now I think this is a bunch of bullsh!t!  It's not MY fault either!  So I asked the bank teller what my options were and she wouldn't even tell me and I KNOW she knows.  There has to be some protocol for this type of thing.  I'm sure I'm not the first person in the history of the world that this has ever happened to.  And on top of all that the company still hasn't refunded my money.

 



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Mary Zombie


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EmmDee


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oh, sweetie, I agree with you. This was not your error. You should not be out money for this. I hate it when people do not take responsibility for their own actions. When I messed up on an order a few months back by misplacing the delivery address and phone number and failed to make the delivery on the scheduled day, I ate the delivery charge for the inconvenience. I pretty much ended up breaking even on that large order but I apologized profusely after he showed up at my office a few days into my panic mode about it. He is still a repeat customer because I was genuinely apologetic, fully accepted my fault, and did something to balance the inconvenience to him.

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Evil Stepmother


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When you have a banking problem you shouldn't even waste your time explaining it to a teller. Go to a Customer Service Rep or the Branch Manager. If that doesn't help go higher. For instance my bank has a VP who is the boss of the branch managers. But I bank at a locally owned bank that has very good customer service, not a national chain bank.

I'd also insist on talking to someone else at the business that charged you twice. If I got no satisfaction, I'd find some one else to complain to. In Missouri the Attorney General's office is pretty active in consumer affairs.

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loomatic


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Tell the business that charged you twice that if you don't have a check for $95 by Friday, you will be filing in Small Claims court. There's no way you won't win there, and they won't want the hassle. It was their mistake, and they should absolutely be reimbursing you for the cost.

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dqm either


Don't Quote Me

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loomatic wrote:

Tell the business that charged you twice that if you don't have a check for $95 by Friday, you will be filing in Small Claims court. There's no way you won't win there, and they won't want the hassle. It was their mistake, and they should absolutely be reimbursing you for the cost.

This is so effed up because normally any non bills related purchase over $300 wouldn't be coming out of this account anyway.  I can't believe all this hassle over my laziness because it was only a $30 difference in my normal rule!  I'm not saying it's my fault because it's not but damnit all to hell if the first time I deviate from my financial protocol to save a step I get royally screwed!

I just got off the phone with the company that made the mistake.  They said they are only going to give me back the $330. I can see the transaction as pending right now so that's good.  I emailed them last night and told them to have $425 in my account by close of business today or I'd take further action.  Today the guy said the bank will give me back the $60 and that the $35 merchant fee is not their problem because I should have had enough money in the bank to cover that charge.  I told him I DID have enough money to cover the charge and it would have gone through if it hadn't been for the two bounced checks.

And the storage place just called me and told me that I have a bounced check fee AND a late fee so it's not $35 extra it's $60 extra.  I explained the situation and asked them to please give it to me in writing so I can submit it with all of my paperwork from the bank. 

furiousfuriousfuriousfuriousfuriousfuriousfurious

$120 hassle for skipping one simple tried and true rule!!!! You can bet I won't ever do it again.  I don't care if it's $300.76.  I'm leaving that cushion in the bank at all times in case of someone else's mistake.

edited for correction



-- Edited by dqm either on Tuesday 14th of August 2012 07:24:31 PM

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RichardInTN


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I agree with loomatic.

Tell the business that you WILL be taking it to court, and that you WILL be filing not only for the $95, but also for collections cost (including court fees and lost wages for your actual time in court). Then, if a check doesn't appear in a reasonable time... file. If they offer to settle after you file, don't settle for anything less than the $95 PLUS any fees you've already paid to file.

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dqm either


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I want to give them a really bad review on Yelp for all the problems they've caused me but here's the problem.

The people who took the money are not the ones who provided the service. They're a ticketing agency. The company that provided the service was great and I don't want to give them a bad review.

Every communication I have had with them has had a different name on it. The email says Bilateral Marketing. The charge on my bank statement says Thrilliant and the sky diving place says their name is Sportations. None of these places comes up on yelp except Bilateral Marketing and that comes up under a totally different company that sells software.

I guess they think they can get away with crappy service if no one can find them to complain.

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Bessie S


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I smell a rat. Maybe a letter to the editor of your local paper outlining your experience? It will resonate with the masses who no doubt are also going through this experience. You're very articulate on this board. I'll keep thinking and get back.

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dqm either


Don't Quote Me

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Unfortunately the outfit is over 300 miles away. :sad:

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EmmDee


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Just so I understand, did you purchase through the company that provided the service and they use a third party processing that is behind the scenes? OR did you go to third party to buy tickets for company that provided the service?

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dqm either


Don't Quote Me

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3rd party.

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loomatic


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Make sure you let the skydiving company know how bad these people are. I would tell them I'm hesitant to sign up again or recommend them, due to this costly and troublesome issue. Let them put some pressure on their vendor.

And after hearing how the company has responded to you, I would absolutely be filing in small claims court as soon as the refund hits my checking account. Tote up all of the costs involved, and file the paperwork.

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Bessie S


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I think Loomatic is giving you good advice. I don't live in a litigious society so filing a court claim would be the last thing we do, not the first.

I've had 2 separate occasions when we were doing extensive renos on our house where I wrote the other party a letter with a cc to the Better Business Bureau and they smartened up before you could say Jumping Jack Flash.

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Zee Cat


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I'm going to agree with Loom here. Anything the bank is willing to do for you is above and beyond. They are right in that they made no mistake. By refunding or waiving any fees they are eating the cost of someone elses mistake. Deffinately threaten the other company with small claims court. A good company that works with a ****ty one that screws their customers open. Well that company they work with negates their good service, sorry.

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