kill 'em with kindness!

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kill 'em with kindness!

Postby mamie » 26 Jun 2010, 06:17

Have you ever had a purchase show up on your credit card statement that wasn't yours? (obvious fraud)

My April statement from one bank included a purchase made at a Victoria's Secret shop on Long Island, NY, for $92. It wasn't mine. (if only they knew how wrong for me that stuff is!!!)

I called the customer service number and got nowhere. I wrote a letter of dispute and was told to pay up. My first letter was formal and to the point. Their first letter to me was a form letter. So I wrote again, this time understanding their position but insisting that I was in the right. I got another form letter and they threatened to damage my credit. (I was never in any danger because my account was paid up to the minute)

I called again and got the brushoff. So I wrote another note saying that it was my understanding that credit card companies (banks) of their stature were there to help customers that spotted obvious fraudulent activity. What did customers have to do to get the attention of someone with the authority to investigate fraud?

With that simple query, I got some action. I noted that the signature on the sales slip was not mine and that the expiration date on the slip did not match mine.

After two more letters which were overbearingly polite, I got a call yesterday from the bank in question.

They were taking the charge off my account. They were issuing me a new card with a different number. They wished me luck and told me there was no more need to worry.

It probably cost them more than the $92. in personnel time to really look into my problem.

I think their bottom line with the thoughtful, personal call was to say, "PLEASE! don't write any more letters! :shh:

My Grandma always used to say, "you can catch more flies with sugar than with vinegar!"
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Re: kill 'em with kindness!

Postby pilvikki » 27 Jun 2010, 01:35


i donno... it depends.

when dealing with deadbeats like the people who work for the WSIB you have to get psychotic before they deign to even look at your file - which, btw., now has been transferred to mary on the 5th floor. and oh, terribly sorry, but some key information was lost so pls go see 12 specialists, 4 gp's, write everything up and submit on this form that has no bearing on your case.
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Re: kill 'em with kindness!

Postby Yogi » 28 Jun 2010, 06:30

We received a charge originating in Germany on one of our credit cards. It was either fraud or a mistake in somebody's billing process. One phone call to the credit card customer service number did it for us. They sent us a form to file an official complaint (or something) which we filled out and sent back. The credit card was canceled and we got a new one to replace it. All this happened within a period of about two weeks. I must say that I was impressed with the response from the credit card issuer and did not expect things to be settled so quickly. I guess it all depends on what bank you are dealing with.
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Re: kill 'em with kindness!

Postby Ice.Maiden » 04 Jul 2010, 22:52

That's a good one then Yogi. I had my card details cloned and lost quite a hefty amount of money. It took 3 months of stress before the money was reimbursed and I received a new card. The person was traced to Amsterdam, and details were being passed on to someone in Poland!
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Re: kill 'em with kindness!

Postby Silke » 19 Jul 2010, 10:05

I've had something happen the other way. I have a savings account which I am the only one who knows the number of. Suddenly I had 13000 NOK too much there, and I was honest and notified the bank. I was nice and gave them permission to take the money back and transfer them to the original owner. I didn't get anything but a pat on the back for being honest - which I don't think much about as here to transfer money you need to sign it. So whoever transferred the money to me have (theoretical) checked the account number three times then signed it off as right. So by law those money were mine - I think I should have gotten something for returning them.
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Re: kill 'em with kindness!

Postby mamie » 20 Jul 2010, 05:22

Here you go Silke! (you would have gotten much more "recognition" if you had kept the money and been discovered! your real reward is the great feeling you get knowing that you are an honest person)

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Re: kill 'em with kindness!

Postby Silke » 20 Jul 2010, 12:31

yeah, well the rules for signing came when some one transferred a six-digit number wrong and the receivers refused to give it back - and got to keep it. *grumble*
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Re: kill 'em with kindness!

Postby Ice.Maiden » 22 Jul 2010, 19:40

But even so Silke, I agree with mamie.
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Re: kill 'em with kindness!

Postby Silke » 27 Jul 2010, 10:04

I know, I know, and I'd do it again, trust me. As I would expect others to do the same if the roles were reversed - but I'd give them a little something. Just as people do when they get their wallets returned with all the money still there.
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Re: kill 'em with kindness!

Postby Ice.Maiden » 02 Aug 2010, 20:02

Indeed, so would I.
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Re: kill 'em with kindness!

Postby pinky » 02 Aug 2010, 22:05

yes i agree kindness doesnt cost a second thought and all good deeds should be acknowledged
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