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      Thursday, April 13, 2006

10:05 AM - 04/13/2006

The topic: Credit cards


You know I’ve been hit by fraud twice this year.  Citibank is right on top of theirs, but I wasn’t having the same luck with my Chase Disney card.

I initially reported potential fraud on February 3rd.  Even though I called before the charge was authorized (the company who was providing the service called our house, I told her repeatedly I would not authorize it, I didn’t make the purchase, I wouldn’t pay for it), it somehow still made it through.  We immediately cancelled my card and two weeks later, I called again wanting to know when the paperwork for the fraudulent charge would get here.  “It takes about two weeks.”  Two weeks later, I called again.  It finally got here in the middle of March.  I filled it in promptly, both Brian and I signed it and I sent it back.

Still, the $530.03 charge remains on the card as a balance due.  I’m not going to pay it.  Then there’s the interest.  It’s been on the card since February, after all.  I called again on it last night.  I talked to the accounts department, who put me through to the fraud department.  And she passed me on to the fraud department, saying something about a credit on the account.  (WTF, I thought I was already at the fraud department….)  I relay the story to the guy on the phone.  He needed my old account number, I don’t have it.  But he was able to go backwards from my current account number.

Wow, look at that, a credit balance.   For $530.03.  Lovely.  They were able to transfer the balance due amounts, but not the amount credited from the company who originally made the charge.  He said he’d transfer it.  I asked about finance charges.  He credited those, too.   I asked how long the credit had been there.  “Oh, a couple of weeks.”

Lovely, just lovely.

At least it’s one other thing off of my mind.


Credit card companies = bloodsucking monsters.

No offense to any nice credit card company employees.

Posted by Lisa @ Thursday, April 13, 2006 - 1:55:23 PM

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lisaviolet is sixty something, married with no kids, takes care of lots of cats, likes taking photographs, loves Southern California weather and spends altogether too much time avoiding her responsibilities.

In her spare time, she makes pretty things to sell in her store.

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