CC Fraud warning

[airhead]

I\'ve just spend the last hour chasing down a charge on my credit card to:
Passport to fun
&
Shopping essentials

They are both hitting me for $14.95 per month. Evidently, this was from click on Travelocity\'s web site.

Capital One has been NO help at all in disputing these charges.

 

[Shawn R. L.]

The ONLY thing you did was click on an ad and you were charged?

 

[Torn blue sky]

thats totally fu*ked up!

 

[matty1001]

No one can get any money off my credit card!! Because i cleverly reached the limit!!

 

[airhead]

Originally posted by matty1001
No one can get any money off my credit card!! Because i cleverly reached the limit!!

Matty, Capital One was also charging me over-limit fees on that card. That is how I found it. Peg was asking me if I had signed up for this and I was asking her.

@Shawn
It is buried in Travelocity\'s site. If you book a flight or hotel through them, and fail to read all the fine print and un-check them, you just signed up.

 

[No Such Agency]

Capital One? Hahahahaha, from what I\'ve heard about them, you\'re lucky if it wasn\'t THEM who gave out your CC number!

At any rate, a sleazy, slimy practice by Travelocity. Whatever that is, I\'ll never use it.

 

[freakinacage]

thats crazy

 

[Ebonbuddha]

I don\'t know if you are joking NSA, but Travelocity is a site where you can get cheap air line tickets. I used them alot when I ws going between the States and Canada.

Originally posted by No Such Agency
Capital One? Hahahahaha, from what I\'ve heard about them, you\'re lucky if it wasn\'t THEM who gave out your CC number!

At any rate, a sleazy, slimy practice by Travelocity. Whatever that is, I\'ll never use it.

 

[Ebonbuddha]

Sorry to hear about your problems. I got he same from Capital One two years ago. It seems that after recieving international money orders from my Korean bank for three years they no long would accept them. First they claimed they were it wasn\'t a money order, it was a check, then they claimed they couldn\'t accept it because it was for a foreign bank.
Then when we went back home and I changed to Citibank. I haven\'t had any problems.

Originally posted by airhead
I\'ve just spend the last hour chasing down a charge on my credit card to:
Passport to fun
&
Shopping essentials

They are both hitting me for $14.95 per month. Evidently, this was from click on Travelocity\'s web site.

Capital One has been NO help at all in disputing these charges.

 

[StarFyre]

ok so...

I work for a credit card department (CIBC\'s Card Products/Technology area)...

Your bank who issues the credit card (in this case capital one), should immediately transfer the card to a new #, if you tell them that X transactions are fraudulant.

This is quite easy for online transactions as there is no written signature for such transactions.

What the website may have done is if you were entering data for one thing, then sent that piece of data to another? just a guess. Not sure how it all works.

But, just report fraud on the card. THe bank has to take that hit for it and they will try and recover the costs via the merchant, etc.

Sanjay

 

[Ebonbuddha]

My wife\'s friend who worked for a bank in Ottawa said the samething.

He will have to fight it or Capital One will keep going. I got a feeling a lot of customers don\'t fight it. thats why they keep doing it.

Originally posted by StarFyre
I work for a credit card department (CIBC\'s Card Products/Technology area)...

Your bank who issues the credit card (in this case capital one), should immediately transfer the card to a new #, if you tell them that X transactions are fraudulant.

This is quite easy for online transactions as there is no written signature for such transactions.

What the website may have done is if you were entering data for one thing, then sent that piece of data to another? just a guess. Not sure how it all works.

But, just report fraud on the card. THe bank has to take that hit for it and they will try and recover the costs via the merchant, etc.

Sanjay

 

[StarFyre]

see

it\'s not a matter of fighting it...

major credit card issuers will not hesitate the moment you say i am sure this is fraud...

they begin transfer process.

Later, if they get proof that 1 of the few transactions really is yours, and you forgotabout it, they will move it back to the new card.

Sanjay

 

[airhead]

Originally posted by StarFyre
it\'s not a matter of fighting it...

major credit card issuers will not hesitate the moment you say i am sure this is fraud...

They not only hesitated, they made some pretty good stories.

they begin transfer process.

They did not even offer that

Later, if they get proof that 1 of the few transactions really is yours, and you forgotabout it, they will move it back to the new card.

Sanjay

First call to captital one: They put me on hold to transfer me to the fraud department - 10 seconds later the line is dead.

Second call: The fraud department is only open M-F .

Third call: The computer system is down and we cannot do anything about it.

Fourth call: The computer system is down and will be down for two weeks. Try using the on-line service.

Fifth call: That type of card does not have online services available to it. But here is the number to Passport to Fun & Shopping Essentials.

 

[wiccanpony]

:cussing: so they essentially have you jumping through hoops Kevin....the Bastards:flame::flame:

 

[Ebonbuddha]

Sorry if I was confusing Sanjay. But Capital One would not transfer anything.They or help me in anyway. I had to go to Citibank and get a new card because I was tired of Capital One\'s crap.

Like I said before; Airhead is going to have fight it or Capital One will keep going. I\'m more than a litte sure that a lot of customers don\'t fight it. Thats why they keep doing it.

Originally posted by StarFyre
it\'s not a matter of fighting it...

major credit card issuers will not hesitate the moment you say i am sure this is fraud...

they begin transfer process.

Later, if they get proof that 1 of the few transactions really is yours, and you forgotabout it, they will move it back to the new card.

Sanjay

 

[laurence]

Banks

Banks,

Those b@$t@rd$!!!

 

[Chern Ann]

This seems to be a divergence in what Capital One is legally required to do and what customers expect.

Taken objectively, what\'s happened is you\'ve signed up for something because you didn\'t read the fine print by your own admission.

Unless Travelocity did something that would legally be considered deceptive or which violated their merchant accounts\' TOS, your credit card company wouldn\'t be obliged to do anything.

From http://consumer-affairs.co.la.ca.us/tsCreditCardDispute.htm

However, see also http://samvak.tripod.com/nm067interview.html

Consumer friendly credit card companies (i.e. more biased towards you than the merchant) are more common than not, so switching card companies is probably the first thing you need to do.

But that said, it looks like in the absence of an actual fraud or breach of contract, Capital One isn\'t obliged to help at all, and there\'s nothing you can do to force them besides giving them notice of your refusal to pay for those particular charges.

 

[airhead]

Called Passport to Fun and they very quickly and politely refunded all charges from them & Shopping Essentials. (We\'ll see on the next statement). And canceled the services (which is really all I expected to be able to do - unfortunately).

Chern, you are correct in that it was my own ignorance that caused this. Failure to read the fine print at Travelocity\'s site. I really hate this sort of practice and personally think it boarders on fraud to \'automatically\' sign you up for additional services because you bought a plane ticket. With telephone services, this is called \'slamming\' and is illeagle here.

Maybe if either of these \'services\' had done anything for me other than suck money out of my credit card, I would not have been so angry. As is, I feel this was just a thinly veiled scam to take more money from me.

 

[StarFyre]

me confused

isn\'t travelocity a \'legitimate\' site?
what did they do?

you buy a flight and you automatically sign up for 2 other sites???

Sanjay

 

[airhead]

Originally posted by StarFyre
you buy a flight and you automatically sign up for 2 other sites???

That is the gist of it - to the tune of $30 per month until you catch it.