You said everytting that just happend to me 11 days ago ,I proved myself and got my money back in time 4 the Newyear ,Tks for all you youtubers thats the tool i used, Happy New Year.
As a matter of fact I did that this morning, for a purchase I made back in late November , which I didn't receive. Contacting my bank spent an hour and a half on the phone going through everything. Then they send me an email and it said within two business days I will receive a provisional credit for the amount I was out
this is a very uncommon dispute. talk about the most common authorized transaction that went bad, did not receive, received broken, not as described,..and they do not want to take it back, Chinese sellers are very bad for this.
What happens if a Merchant forces the same Approval Code for the same amount 4 times after the 1st large charge was declined. Is that credit card fraud? Are merchants not suppose to get different approval codes for each and every charge?
If you paid for something via a subscription, they will continue trying to charge the amount (even if it's declined up to 3 times). The merchant is protected in that case.
A slightly improper answer. I appreciate your conclusion, which is correct, and your resume' in banking. Here is mine. For May, June, and July I was 5th, top 5, and in July 1st ranked Service Rep for a national bank (among a group of a few hundred). I take 1300 calls a month. .... Pursuant to this achievement, as of Monday, Aug 9th I was informed I am ONLY gated REG E calls, Disputes, in that I am positioned to protect the bank from Regulatory consequence for improper handling of Debit Cards. I have mandatory OT of 5 hours a week, (What a joke, my boss and I expect me to do 20+, and my OT rate is 2x not time and a half.) Here is the answer. "XXXBANK will IMMEDIATELY accept and investigate your dispute." Any other answer to a dispute inquiry is a REG E failure, and a fine, and possible sanction. If there is compromising information that comes to light, such as your example I WILL note that, and send it all to the Fraud Department. They have a separate job. Investigation. Intake of REG E disputes is never filtered. I know, and you know the customer will face a negative decision, however, I will not make that decision. REG E requires documentation, and investigation.
I have a question please, after notifying my bank that my credit card was used by someone without my authorisation. Do they deactivate the card or do they change the CVV of the card or card number? What do they do exactly? Hoping to get a reply from you soon. Thanks
If a scammer got my card info and added it to cashapp and took 5k from my bank account am I able to dispute and get a provisional credit because that’s money I need
i noticed there was a $82 charge that I don't remember authorizing and it mentioned jeezmedia which I've never heard before. I've emailed my bank and have blocked my cards to stop any other transaction, I'm concerned that it will keep charging. Is there anything I should do?? Thanks.
I got direct express this is my second time with a fraudulent charge the first one I didn't get my money back someone bought $300 in Verizon pre paid cards i never got my provisional credit but this time I'm well prepared
Thank you so much I need to see this that’s how they are come over here and think they can just do what they wantThat’s why I don’t go on Facebook too much
What if I was a victim of a felony and sent to prison from April 2015 till Nov. 2016. Someone one was able to make hard inquiries, open accounts and use accounts such as a US Bank Realiacard in my name and also EBT food stamp cards in Nebraska and Iowa. I the whole time was located in Nebraska over 4 hours from where I used to live in prison. My phone was still automatically paid $35 every month. Never received any credit, refund. Also I have a third party creditor who has a bill for one of my daughters with the wrong middle letter for my name. Wanting over $1,000 for an emergency bill. We all have insurance and always have! Plus that hospital always asks for a copy of inurance card and Drivers license or State ID.
These would be credit bureau disputes. Get copies of your reports free from annual credit report dot com and you can dispute them directly with the bureaus
I don’t know if my Apple phone or my google count is the cause, but Google AdsWords, even if you have never used this application you would be at risk.
Apple mis-billing is more prevalent than scams. That seems an odd statement. In July 2021 I handled 1300 phone calls, and ranked #1 at my bank among about 250 CS Reps. Consequently, I am gated REG E. That is compliance with dispute intakes. Here is my tip for Apple Pay. Stop using it. Search monthly for CLASS ACTION APPLE PAY They refuse to do their payment service in compliance with the law, and Sec 1005.1 first sets out a fine structure, then a class action liability minimum. They choose to skate on thin ice, and it will break on them, and I think soon. I see Apple more often than any other Corporation name while I initiate disputes. They are drawing the attention of the CFPB, whom I suggest you complain to.
I have the same question. My mail was stolen and the bank sent the card with a pin at the same time. They denied my claim even with a police report and a picture of someone that’s not me using the card and pin at the ATM. Hoping to hear an answer from you.
Please discuss the what the time limitations are for disputing a charge. Got 3 different answers from 3 different reps at card member services. The last they claimed u only have 60 days to dispute credit card charge. Is this true ? Or are there exceptions to this 60 time frame?
Hi, I’ve been a victim of fraudulent transactions lately and really depresses me. I own a debit card and the financial institution are investigating this, taking 2-4 months to resolute the dispute. Are debit card holder eligible for provisional credit?
Hey, what bank would you say has the worst security with their debit cards, I just moved and im wondering which banks i should stay away from because i need to start an account with a new one. Thanks
Hey, Liam! I wouldn’t say there is a beat or worst bank as far as security goes. They are all backed by Visa and MasterCard, so no matter what, you’re protected against fraud. I highly recommend smaller community banks and credit unions.
@@liammurphy6576 no, there’s no way to gauge a bank’s security level. But Visa and MasterCard protect you against fraud no matter which bank you choose.
I’m dealing with this issue I filed a claim I’m an Uber driver Sunday I deposited $522 into my account and yesterday I bought coffee breakfast sandwiches for eight dollars and sporadically when I was doing my trip my app notified me that $479 was deducted from my account I freaked out cancel my ride and placed a dispute they asked me if the card was in my possession and asked me a couple of questions and I explained you can look at my transaction history I go to the same gas station eat the same food at the same Chinese restaurant how can this happen in a different state
I booked a cruise months in advance. When we boarded the boat, there AC wasn’t working throughout the ship as well in our room. The room smelt of sewage. No way we could of gone on the cruise so we exited before they left port. I filed a dispute, they credited the account a few days later but still waiting to see if it gets resolved in my favor
All creidts return to the account of origination. Yes, accounts are closed in the time window through various means, and the bank has policy and procedure for each, but you are not an obtuse case. Your refund will reverse path. It went out via a card, and/or account. It will return the same way.
In the event of paying for a service and you not receiving that service, does the merchant get notified? Do they say their side of the story or do they just look at the charges and refund it if you claim you didn’t get anything. For example I paid for a personal trainer and the guy just went ghost on me
If you haven’t already, call your bank’s 1-800 number on the back of the card and shut off your card, file a dispute, and ask them to mail you a replacement debit card.
File a dispute. Order a replacement card, expedited, and ask for the fee to be waived as a courtesy. Our bank does not even wait for the request. Lost/Stolen card replacements are expedited automatically. Demand excellent service. Personally I can count on 1 hand the number of times I have let someone receive a Cashiers Check, Debit Card or any other instrument regular mail. Only because they insisted time was not a factor. I have NEVER allowed a caller to pay expedited mail fees, and my bank has said ZERO to me about paying all these fees, waiving every single one. I even waive Stop Payment On a Check $29 fees to our customers. I handled 1300 calls in July, 2021, giving away the banks' money like a drunkard. I expect to waive fees as a courtesy a minimum of 25 times today. Please raise the standard with me, DEMAND EXCELLENT SERVICE.
Hello, Thank you so much for your video. I was wondering about scams. Yesterday, I was scammed. I ordered on the website via my debit card. I can't contact or send emails to the seller because their website is a scam so their email or contact information also invalid, fake. I requested Dispute Charge from my bank but they cannot guarantee a refund. Also, I applied the dispute to Paypal. Can I get receive a refund? So hard...
I really hate that this happened to you! If the purchase was made through Paypal, that is who you need to file a dispute through (rather than your bank). Start with Paypal. If they research and determine it is fraudulent, you should receive a refund. Good luck!
This is a daily intake for a bank representative. Please do dispute with all parties. An effective spoof of 'Kay's Jewelers' is being mirrored through HK right now. Please dispute. There is no negative consequence to yourself.
What happens after the bank sent a message saying the case has been opened and Please check your "New Documents" in 24-48 hours as related correspondence will be available for your review” I was wondering if there’s anything I have to do? Or just wait? Thank you
I’m having the same problem I just gave up but now that I think of it this was a almost 300$ charge. And I never got my package bummer It was thru chime and it was a package from Amazon I spoke to the merchant and he issued a refund and to check with the bank now the bank (chime) doesn’t want to give me the money back because supposedly for them I received the package because when I disputed it and they did an “investigation” Amazon sent them a picture of the package on my front porch but I let them know that I spoke to the merchant and let them know my package wasn’t there when it arrived so he gave me a refund but now the bank doesn’t want to give me that money what do I do ??? It would be great to have that money back
👆👆👆Just incase you got scammed and need to get back your money back, send a message to the name up here👆👆👆 i used as my RUclips name, he will help you to get your money back as he recently helped me to get mine back
Logic fault. Any form of theft is certainly a reason for you to dispute charges, pursuant to REG E. So, your example has 2 distinct, and different parts. Receiving PC is a determination made by the investigator, but according to the institutions' policies and guidelines (thus automation can be implemented). It is heavily weighted towards time to resolve, but not exclusively. The usual outcome is also a part of the determination whether you receive PC. Account History is another aspect.
I need some help too. I went to a store yesterday and I gave the customer service agent 34.00 in cash and the rest I wanted to put on my card. She took the money and at first the order was down to 17.01 but my receipt says 51.62 (without the cash) this was at bath and body works and I'm not sure how to approach this? I put my card in and there was an error on her end, she pressed the button and the screen still said 17.01 but the charge said the full amount and the cash was not included. It was not printed on the receipt. Can I still file a charge with my bank? or, how do I even go about handling this? I should always check my receipt but never had this happen before. Do I go in and try to explain the situation? Any advice is appreciated.
I got a Job that was actually a scam and they sent me a check of 4850 dollars and asked that i send them 3500 dollars and now i made a fraud claim on wells fargo do you think they will refund the money?
Sadly this is a common scam. I don’t work for the bank and cannot speak for them, but this is a major fraud case, and it’ll be hard to get your money back 😞 This is not a debit card or an electronic dispute but an illegal fraud scheme and these conmen tend to cover their tracks. I hope they get what’s coming to them!
I despise this scam. I see it monthly at least. Your account will go into CREDITSONLYALLOWED, and you will owe the money to the bank. Most of us cannot afford much while searching for a job, so this is pathetic and devastating.
I fell for a sob story about a dude and his ill parent, I sent him money, said he’d pay me back, but I’m almost certain he blocked me. Think I can win a dispute and cancel these transactions or did I just lose money?
Uggh it sounds like you’ve been scammed. Unfortunately you’re usually not protected when sending money via friends and family through PayPal or western Union. It sounds like that’s what happened here.
@@xo1207 I’ve moved on, I dont wanna deal with that individual ever again. I accepted my losses & I’d rather lose the money then have to deal with the embarrassment (from my family) or have to worry about this bum messing with me further. Would it be nice to have that sum of money back: Yes. But I got my whole life to make money & chose to let it go.
I have provisional credit right now while they are investigating and i spent some of it, is that bad ? And if i do win my dispute which is should will i still have the same balance i have right now ?
Hey! So, can you do a chargeback on a package that was never delivered? I had a pretty time sensitive package ship out priority almost a week ago and it's been stuck a "Shipment Received, Package Acceptance Pending" which means that they've scanned this scan sheet with a bunch of other packages, but it hasn't been scanned by USPS yet. The seller swears they've sent it and the post office says they didn't. Should I charge my $130 back?
You can’t do a chargeback. That’s something that happens on the bank/credit side. You’ll want to file a dispute with the reason package never received.
@@ladythebug5213 yea I ended up just getting it back through the company that shipped it, because it got lost. Then it showed up a little over 3 weeks later. It's funny you ask now, because I'm dealing with the same thing with Best Buy with a $600 desk that has been lost for 2 weeks, but they just did a reshipment lol.
I’m having the same problem I just gave up but now that I think of it this was a almost 300$ charge. It was thru chime and it was a package from Amazon I spoke to the merchant and he issued a refund and to check with the bank now the bank (chime) doesn’t want to give me the money back because supposedly for them I received the package because when I disputed it and they did an “investigation” Amazon sent them a picture of the package on my front porch but I let them know that I spoke to the merchant and let them know my package wasn’t there when it arrived so he gave me a refund but now the bank doesn’t want to give me that money what do I do ???
I experienced such also it wasn't easy but I'm glad i was able to get help from the abve mentioned professional who helped and saved me. Can also assist you effectively
Absolutely! File it. This success rate may be smaller than clear cut fraud or failure to perform, but FILE IT. "The service was not what I expected." "The service was not what I was promised." These are from the dispute intake forms.
Thanks youtube charged my credit card 17.99 ....... 30 times ..... I'm upset over this. I'm trying to get in touch with youtube but can't seem to find a phone number.
Forget contacting the merchant. We prefer you not to. File your dispute with the issuer. You have exactly a 100% win. These are so easy to take form customers. Easy win. Imagine how easy a job this is for the bank or CC issuer. They look like your guard dog, taking credit (sentimental credit, just to be clear) for 'saving' you over $500!!! WOW!!......and clearly, the stacked charges are a mistake, so it's a simple fix with YT. So, WHAT COULD GO WRONG? We are all honest and capable of doing this right for you!! Here is your only danger. Be aware of this, as it is a real REAL danger in this circumstance. Bank on day 2, issues Provisional Credit of $539.70. 3 business days later, YT provides YOU, not the bank, YOU credit ALSO for $539.70.........You think nothing of it, and SPEND extra money over a month. One day your account balance has a sudden DROP of over $500 !!!!! WHAT HAPPENED TO MY MONEYS!!!!??? This form letter also exists in the Dispute resolution world. On (Date) the bank issued to you PC while we conducted out investigation. The merchant also issued you credit on (Date). Therefore, your Provisional Credit from (Bank) will be reversed on (Date 5 business days from today) I've seen several customers get stuck just days from payday and rent and etc., are due or necessary, and the account is negative. It's horrible. to contemplate. No fraud, no malfeasance, just a mistake....fixed, to your benefit.....and then a bomb goes off in your finances. Please look out./ There is no claim in such circumstances, and the reversal can take 9 weeks. By then, you feel its' your money.
I have a question please, after notifying my bank that my credit card was used by someone without my authorisation. Do they deactivate the card or do they change the CVV of the card or card number? What do they do exactly? Hoping to get a reply from you soon. Thanks
Hello Melissa I have recently been scammed out of $500 for a counterfeit product, transaction was made through paypal friends and family. I have a recording of myself opening the package at the post office showing the fraudulent product. How can I go about getting my money back?
Unfortunately when you use friends and family, i believe it puts you at higher risk because it means that you were not paying for goods or services. This scammer got you bad! I would reach out to PayPal directly, but I don’t expect you’ll be able to get a refund on this one.
@@PerfectionHangover I have enough evidence to show that I have been scammed, through emails and pictures/video. I found out that they were using stolen images to sell me a product that they do not in fact own. How are my chances now?
@@JohnLeon203 is your bank connected to your PayPal account? If so, and the money debited your bank account, you can try and appeal to the bank. Take all of the evidence and explain the situation. Tell them you’d like to file a dispute on a counterfeit item. 🤞🏼
@@PerfectionHangover Its just my card that is connected. I will take all the evidence I can to the bank, Thanks for answering! You have given me some bit of hope.
I'm very bad, I always come to this country as a tourist and this time I decided to open a bank account, but 2 days ago they stole 400 dollars from my account, this being impossible because I carry it well hidden everywhere and only I know my pin, I was going to buy my flight back to my country with that money, now I don't even have to eat, I really hate PNC Bank
Hmmm I would think if you got final credit, you should be good. I can't imagine them opening an investigation again unless there was something to indicate deception/fraud on your part.
i had 2 amazon purchases show up in my account and these purchases arent in my amazon payment history. somehow someone online got my card info so i canceld my card and started the claim. im hoping they can give me the money back because it was a lot of money =(
If I tried to invest in something and paid through cash app which was connected to my bank account, but got scammed, can I file a dispute for my money back
@@nirajpatel4497 Plan on a notation in your transaction history DC DISP TEMP CR REV. DC is Debit Card. DISP = dispute. TEMP is temporary. CR is Credit. REV is Reversal. Don't be surprised by a letter from the bank. "We have determined that no error occurred. Previously on (date) we issued you Provisional Credit pending our investigation. We will be reversing that credit from acct. XXXX on (A date 5 business days forward). This letter informs you to have the funds in the account. DO NOT SPEND the money until a final outcome of your dispute, or your account can go negative.
Melissa let me ask you something I have a debit card and some how money that I didn’t know was put on my card somehow now it must have been done at Walmart I don’t lone my card to nobody and as of yesterday 5.40$ was taken off at Walmart and it wasn’t me
I hardly use this card and some how someone withdraw 300 then 500 then 200 all from different bank locations. the locations was no where near me but in the same state. hopefully they look at that and notice it was fraud.
File this. You have a high success rate with this type of theft. To stop this put your card on TEMP BLOCK in your app RIGHT NOW> When YOU and only YOU want to use the card, either online or in person you UNBLOCK>CHARGE>BLOCK that card. Later you may find out these attempts were made, but that will be it. ATTEMPTS THAT WERE DENIED.
This is a dispute, clearly I expect you to succeed with the bank about 100% of the time. I also suggest plenty of Consumer Report guys and gals in the local media, they love this stuff. THEN there is the US Attorneys Office and the State Attorney General. This is unconscionable, and clearly borderline criminal. Probably over the criminal line.
Question so I let my nephew who was staying with me use my card and phone since I work about 70 hours a week I have two bank accounts. I told the bank that I let him use the card but only for 50$ for groceries... he spent over 1600$ on some dumb game so there is no way to get that money back?
Probably not, Samuel. When you admit to the bank that you gave permission to someone to use your card, they take that as you are at fault. You might be able to reach out to the game company directly to get your money back, but dang...expensive lesson! I’m sorry this happened to you!
@@PerfectionHangover I talked to my bank again. They said they were going to change it to say I didn’t give access to the card and I was present with him when I let him buy stuff when we were shopping... can I get my money back then? Or what’s the best way around this.
@@MeatyClackers00 I’m honestly shocked that they would do that. My best advice is to just work with them to reach a resolution! I can’t give legal advice, but I do hope you get your money back!
@@MeatyClackers00 That statement is NOT your bank. That is someone personally putting their job, and yes their freedom on the line. This is an actual crime, "Defrauding a Financial Institution". Do not participate. $1600 is a harsh personal lesson. However, $1000 is the line usually for a Felony. Do not participate. Clearly there exists no discretion in Bank Policy to knowingly lie on forms. Do not participate. Someone is clearly allowing sentiment to overtake reason. You seem to know this cannot be right.
Thinking it was a scam, I was having the same issue as yours not uni I was referred to #cyber_jay_hack2 on Instagram, when I dropped my details,he helped me fix it and all is fine now, I will forever remain grateful to him
@@bloodsucker8439 thank you so much for that . It was very ,very , very, helpfull. I did just that and he told me to call the company first and exsplain, and man it took me 5 minutes and he said to always do that first not to contact my financial people (after thinking on this if I had called the financial people it would have made a mess ) cause it will make them mad and want work with me . Wow,,,
@@PerfectionHangover I jus had some unknown company charge me $60 out of my credit card !!I am worried to notify my bank because I am out of the country and they would cancel my card..Will that happen if I contact them??
@@dwhoop7045 I hate to be the bearer of bad news, but they will definitely cancel your card when you notify them of fraud. I hope you have another card on hand that you can use! Each bank is different. They may not want to send your card to you overseas (for good reason). I'm sorry that happened to you!
@@dwhoop7045 Remeber, REG E Disputes, which banks MUST HONOR have no time frame. Your deadline is 7 years ONLY because banks dispose of records then. When you return, OR when you have a permanent address overseas, call this in. I'm happy for you its' only $60. My overseas customers do 1 of 2 things. 1 Use a stateside address, and have trusted family send the new card. 2 Establish a true address overseas, change address legitimately with the bank, and file your dispute during which you get a new card. As a bank rep I send even overseas replacement cards expedited with COURTESY WAIVED shipping fees.
I went through some of these things that's why I swear I hate people sometimes not you I love your channel that's why I don't trust social media thank you for your channel I'm sorry I'm just frustrated boost Mobile never delivered my order for one thing messing orders and somebody also made a fake Facebook account of me no wonder I would feel that way thank you though I can't say no more right now I don't feel good I'm too stressed out
I never believe I can came across someone like *TRENCHDAWG* am so glad to found you and I promise you not gonna regret trusting me.. thanks for the card once again Dawg💯🤟
I would like you to know *TRENCHDAWG* Bcos I was pleased to receive the clone card he delivered to my doorstep and it was very perfect and I got all my funds withdraw
Don't expect cash app to ever do anything if your access is compromised
You're right! CashApp is not a bank! It scares me how many people use CashApp and Venmo in place of an actual financial institution.
They are HORRIBLE
CashApp is not an actual bank, so they will not provide the same service that a bank or credit union would in this regard.
Chime either 🤦🏽♀️
Chime either 🤦🏽♀️
You said everytting that just happend to me 11 days ago ,I proved myself and got my money back in time 4 the Newyear ,Tks for all you youtubers thats the tool i used, Happy New Year.
As a matter of fact I did that this morning, for a purchase I made back in late November , which I didn't receive. Contacting my bank spent an hour and a half on the phone going through everything. Then they send me an email and it said within two business days I will receive a provisional credit for the amount I was out
Even though I already knew all this information I appreciate you and I like you you have a new subscriber
this is a very uncommon dispute. talk about the most common authorized transaction that went bad, did not receive, received broken, not as described,..and they do not want to take it back, Chinese sellers are very bad for this.
This is very good information. Thank you.
What happens if a Merchant forces the same Approval Code for the same amount 4 times after the 1st large charge was declined. Is that credit card fraud? Are merchants not suppose to get different approval codes for each and every charge?
If you paid for something via a subscription, they will continue trying to charge the amount (even if it's declined up to 3 times). The merchant is protected in that case.
This was very helpful thanks.
You’re welcome, Nina!
A slightly improper answer. I appreciate your conclusion, which is correct, and your resume' in banking.
Here is mine. For May, June, and July I was 5th, top 5, and in July 1st ranked Service Rep for a national bank (among a group of a few hundred). I take 1300 calls a month. .... Pursuant to this achievement, as of Monday, Aug 9th I was informed I am ONLY gated REG E calls, Disputes, in that I am positioned to protect the bank from Regulatory consequence for improper handling of Debit Cards. I have mandatory OT of 5 hours a week, (What a joke, my boss and I expect me to do 20+, and my OT rate is 2x not time and a half.)
Here is the answer. "XXXBANK will IMMEDIATELY accept and investigate your dispute."
Any other answer to a dispute inquiry is a REG E failure, and a fine, and possible sanction.
If there is compromising information that comes to light, such as your example I WILL note that, and send it all to the Fraud Department. They have a separate job. Investigation.
Intake of REG E disputes is never filtered.
I know, and you know the customer will face a negative decision, however, I will not make that decision. REG E requires documentation, and investigation.
I have a question please, after notifying my bank that my credit card was used by someone without my authorisation. Do they deactivate the card or do they change the CVV of the card or card number? What do they do exactly? Hoping to get a reply from you soon. Thanks
@@ayipo247 Replacing the card is a response to unauthorized use. Call your CC Customer Service and report it.
What happens when you cash app someone and they scam you? Would a debit card fraud be covered?
If a scammer got my card info and added it to cashapp and took 5k from my bank account am I able to dispute and get a provisional credit because that’s money I need
How many days would the refund be actually is done that it wont be temporary credit!!?
Thanks
i noticed there was a $82 charge that I don't remember authorizing and it mentioned jeezmedia which I've never heard before. I've emailed my bank and have blocked my cards to stop any other transaction, I'm concerned that it will keep charging. Is there anything I should do?? Thanks.
Is there a limit on how much you can dispute??
No limit that I am aware of
Yes, that applies to Pre-Paid Credit/ Debit cards too💳😉
Jesus Christ Loves Us All, Hallelujah, Amen❣️🙌
Thank you so much for this! Very informative:)
Do you get the provisional credit when the bank starts the investigation.or after the ten days. if the bank needs more time to resolve your case
We did immediately
I got direct express this is my second time with a fraudulent charge the first one I didn't get my money back someone bought $300 in Verizon pre paid cards i never got my provisional credit but this time I'm well prepared
Thank you so much I need to see this that’s how they are come over here and think they can just do what they wantThat’s why I don’t go on Facebook too much
Who are they
What if I was a victim of a felony and sent to prison from April 2015 till Nov. 2016. Someone one was able to make hard inquiries, open accounts and use accounts such as a US Bank Realiacard in my name and also EBT food stamp cards in Nebraska and Iowa. I the whole time was located in Nebraska over 4 hours from where I used to live in prison. My phone was still automatically paid $35 every month. Never received any credit, refund. Also I have a third party creditor who has a bill for one of my daughters with the wrong middle letter for my name. Wanting over $1,000 for an emergency bill. We all have insurance and always have! Plus that hospital always asks for a copy of inurance card and Drivers license or State ID.
These would be credit bureau disputes. Get copies of your reports free from annual credit report dot com and you can dispute them directly with the bureaus
Thank you so much! Do you have any other tips for fraud using Apple Pay?
Honestly, Apple Pay wasn’t around when I was actively in the banking biz. I’d start with contacting Apple customer service
I don’t know if my Apple phone or my google count is the cause, but Google AdsWords, even if you have never used this application you would be at risk.
Apple mis-billing is more prevalent than scams. That seems an odd statement.
In July 2021 I handled 1300 phone calls, and ranked #1 at my bank among about 250 CS Reps.
Consequently, I am gated REG E. That is compliance with dispute intakes.
Here is my tip for Apple Pay.
Stop using it.
Search monthly for CLASS ACTION APPLE PAY
They refuse to do their payment service in compliance with the law, and Sec 1005.1 first sets out a fine structure, then a class action liability minimum. They choose to skate on thin ice, and it will break on them, and I think soon. I see Apple more often than any other Corporation name while I initiate disputes. They are drawing the attention of the CFPB, whom I suggest you complain to.
My debt card was stolen and the person made store purchases with the pin, can I get a refund then.
I have the same question. My mail was stolen and the bank sent the card with a pin at the same time. They denied my claim even with a police report and a picture of someone that’s not me using the card and pin at the ATM. Hoping to hear an answer from you.
Please discuss the what the time limitations are for disputing a charge.
Got 3 different answers from 3 different reps at card member services.
The last they claimed u only have 60 days to dispute credit card charge.
Is this true ?
Or are there exceptions to this 60 time frame?
It is 60 days. There are no exceptions that I'm aware of. This is a federal regulation.
Am I allowed to use Provisional credit?
Hi, I’ve been a victim of fraudulent transactions lately and really depresses me. I own a debit card and the financial institution are investigating this, taking 2-4 months to resolute the dispute. Are debit card holder eligible for provisional credit?
Yes, as long as the charges are truly unauthorized/fraudulent.
Hey, what bank would you say has the worst security with their debit cards, I just moved and im wondering which banks i should stay away from because i need to start an account with a new one. Thanks
Hey, Liam! I wouldn’t say there is a beat or worst bank as far as security goes. They are all backed by Visa and MasterCard, so no matter what, you’re protected against fraud. I highly recommend smaller community banks and credit unions.
@@PerfectionHangover smaller community banks and credit unions have worse security ? As in easiet for people to do fraud with your info and stuff
@@liammurphy6576 no, there’s no way to gauge a bank’s security level. But Visa and MasterCard protect you against fraud no matter which bank you choose.
So I use thruist but it’s a VISA. Do I call the bank or visa ?
What would happen if a charge was for an illegal service ...can you file a dispute then?
just saw your video is there a maximum limit that I can dispute to get the provisional credit?
@@jocd3321 you’d have to ask your bank. I’m unsure of that.
thank you Mel
I’m dealing with this issue I filed a claim I’m an Uber driver Sunday I deposited $522 into my account and yesterday I bought coffee breakfast sandwiches for eight dollars and sporadically when I was doing my trip my app notified me that $479 was deducted from my account I freaked out cancel my ride and placed a dispute they asked me if the card was in my possession and asked me a couple of questions and I explained you can look at my transaction history I go to the same gas station eat the same food at the same Chinese restaurant how can this happen in a different state
I booked a cruise months in advance. When we boarded the boat, there AC wasn’t working throughout the ship as well in our room. The room smelt of sewage. No way we could of gone on the cruise so we exited before they left port. I filed a dispute, they credited the account a few days later but still waiting to see if it gets resolved in my favor
Wats a few days ?
So I bought a charge and I’m getting my money back but where will I get the money on my debit card or a account with credit
If you purchased something and returned it, it could be up to 24-48 hours before the money is credited back into your account.
All creidts return to the account of origination.
Yes, accounts are closed in the time window through various means, and the bank has policy and procedure for each, but you are not an obtuse case. Your refund will reverse path. It went out via a card, and/or account. It will return the same way.
In the event of paying for a service and you not receiving that service, does the merchant get notified? Do they say their side of the story or do they just look at the charges and refund it if you claim you didn’t get anything. For example I paid for a personal trainer and the guy just went ghost on me
I tried to buy some shoes on this website i put in my debit card info and then come to realize right after the website was a fraud
If you haven’t already, call your bank’s 1-800 number on the back of the card and shut off your card, file a dispute, and ask them to mail you a replacement debit card.
File a dispute. Order a replacement card, expedited, and ask for the fee to be waived as a courtesy. Our bank does not even wait for the request. Lost/Stolen card replacements are expedited automatically. Demand excellent service.
Personally I can count on 1 hand the number of times I have let someone receive a Cashiers Check, Debit Card or any other instrument regular mail. Only because they insisted time was not a factor. I have NEVER allowed a caller to pay expedited mail fees, and my bank has said ZERO to me about paying all these fees, waiving every single one. I even waive Stop Payment On a Check $29 fees to our customers. I handled 1300 calls in July, 2021, giving away the banks' money like a drunkard. I expect to waive fees as a courtesy a minimum of 25 times today. Please raise the standard with me, DEMAND EXCELLENT SERVICE.
Did they give your money back?
Hello, Thank you so much for your video.
I was wondering about scams.
Yesterday, I was scammed. I ordered on the website via my debit card. I can't contact or send emails to the seller because their website is a scam so their email or contact information also invalid, fake. I requested Dispute Charge from my bank but they cannot guarantee a refund. Also, I applied the dispute to Paypal. Can I get receive a refund? So hard...
I really hate that this happened to you! If the purchase was made through Paypal, that is who you need to file a dispute through (rather than your bank). Start with Paypal. If they research and determine it is fraudulent, you should receive a refund. Good luck!
@@PerfectionHangover Thank you so much!;)
This is a daily intake for a bank representative. Please do dispute with all parties.
An effective spoof of 'Kay's Jewelers' is being mirrored through HK right now.
Please dispute. There is no negative consequence to yourself.
Hey I did a dispute from a company I disputed all transactions even the ones that got declined now I got free credit should I spend the money???
What happens after the bank sent a message saying the case has been opened and Please check your "New Documents" in 24-48 hours as related correspondence will be available for your review” I was wondering if there’s anything I have to do? Or just wait? Thank you
I’ve been charged from a purchase I did not do and there’s a header saying “Check Card” what does this mean ?
I’m having the same problem I just gave up but now that I think of it this was a almost 300$ charge. And I never got my package bummer It was thru chime and it was a package from Amazon I spoke to the merchant and he issued a refund and to check with the bank now the bank (chime) doesn’t want to give me the money back because supposedly for them I received the package because when I disputed it and they did an “investigation” Amazon sent them a picture of the package on my front porch but I let them know that I spoke to the merchant and let them know my package wasn’t there when it arrived so he gave me a refund but now the bank doesn’t want to give me that money what do I do ??? It would be great to have that money back
👆👆👆Just incase you got scammed and need to get back your money back, send a message to the name up here👆👆👆 i used as my RUclips name, he will help you to get your money back as he recently helped me to get mine back
If I bought something via PayPal and never got the item I was scammed. Can I get the money back by calling the bank and asking for a chargeback?
Not a chargeback...file a dispute. If you paid via PayPal, you’ll file a dispute with PayPal.
Plus it’s so easy to file a dispute with PayPal, they will most of the time rule in favour of the buyer.
What if I paid for an item that never shipped? Can I also do a chargeback for that
Absolutely. File a dispute right now. This hour. I expect 100% success with this dispute.
Walmart money card sent 800 to someone i don't know
Would identify theft be a reason to receive credit ?
Logic fault.
Any form of theft is certainly a reason for you to dispute charges, pursuant to REG E. So, your example has 2 distinct, and different parts.
Receiving PC is a determination made by the investigator, but according to the institutions' policies and guidelines (thus automation can be implemented). It is heavily weighted towards time to resolve, but not exclusively. The usual outcome is also a part of the determination whether you receive PC. Account History is another aspect.
I need some help too. I went to a store yesterday and I gave the customer service agent 34.00 in cash and the rest I wanted to put on my card. She took the money and at first the order was down to 17.01 but my receipt says 51.62 (without the cash) this was at bath and body works and I'm not sure how to approach this? I put my card in and there was an error on her end, she pressed the button and the screen still said 17.01 but the charge said the full amount and the cash was not included. It was not printed on the receipt. Can I still file a charge with my bank? or, how do I even go about handling this? I should always check my receipt but never had this happen before. Do I go in and try to explain the situation? Any advice is appreciated.
I got a Job that was actually a scam and they sent me a check of 4850 dollars and asked that i send them 3500 dollars and now i made a fraud claim on wells fargo do you think they will refund the money?
Sadly this is a common scam. I don’t work for the bank and cannot speak for them, but this is a major fraud case, and it’ll be hard to get your money back 😞 This is not a debit card or an electronic dispute but an illegal fraud scheme and these conmen tend to cover their tracks. I hope they get what’s coming to them!
I despise this scam. I see it monthly at least.
Your account will go into CREDITSONLYALLOWED, and you will owe the money to the bank.
Most of us cannot afford much while searching for a job, so this is pathetic and devastating.
I fell for a sob story about a dude and his ill parent, I sent him money, said he’d pay me back, but I’m almost certain he blocked me.
Think I can win a dispute and cancel these transactions or did I just lose money?
Uggh it sounds like you’ve been scammed. Unfortunately you’re usually not protected when sending money via friends and family through PayPal or western Union. It sounds like that’s what happened here.
whatever happened? i’ve done similar
@@xo1207 I’ve moved on, I dont wanna deal with that individual ever again. I accepted my losses & I’d rather lose the money then have to deal with the embarrassment (from my family) or have to worry about this bum messing with me further. Would it be nice to have that sum of money back: Yes. But I got my whole life to make money & chose to let it go.
Thank you for the info.
They’re saying they paid me today but it’s been 3hourz it’s still not in my account
I have provisional credit right now while they are investigating and i spent some of it, is that bad ? And if i do win my dispute which is should will i still have the same balance i have right now ?
just received a temporary credit adjustment even tho I already received a refund. so, it was doubled. what should i do?
thankyou so much!
Hey! So, can you do a chargeback on a package that was never delivered? I had a pretty time sensitive package ship out priority almost a week ago and it's been stuck a "Shipment Received, Package Acceptance Pending" which means that they've scanned this scan sheet with a bunch of other packages, but it hasn't been scanned by USPS yet. The seller swears they've sent it and the post office says they didn't. Should I charge my $130 back?
You can’t do a chargeback. That’s something that happens on the bank/credit side. You’ll want to file a dispute with the reason package never received.
Hey did u ever get ur money back
@@ladythebug5213 yea I ended up just getting it back through the company that shipped it, because it got lost. Then it showed up a little over 3 weeks later. It's funny you ask now, because I'm dealing with the same thing with Best Buy with a $600 desk that has been lost for 2 weeks, but they just did a reshipment lol.
I’m having the same problem I just gave up but now that I think of it this was a almost 300$ charge. It was thru chime and it was a package from Amazon I spoke to the merchant and he issued a refund and to check with the bank now the bank (chime) doesn’t want to give me the money back because supposedly for them I received the package because when I disputed it and they did an “investigation” Amazon sent them a picture of the package on my front porch but I let them know that I spoke to the merchant and let them know my package wasn’t there when it arrived so he gave me a refund but now the bank doesn’t want to give me that money what do I do ???
I experienced such also it wasn't easy but I'm glad i was able to get help from the abve mentioned professional who helped and saved me.
Can also assist you effectively
I appreciate your help.
What if someone took a card out in my name on a card I have never had.
Is it possible to get my money back from an authorized charge but ask merchants for refund and they don’t respond to me
I believe the only way is if you can prove that the item/service received was not sufficient
Absolutely! File it. This success rate may be smaller than clear cut fraud or failure to perform, but FILE IT.
"The service was not what I expected."
"The service was not what I was promised."
These are from the dispute intake forms.
Do anyone know if this also works with spruce
Is provisional credit full amount back ?
Thanks youtube charged my credit card 17.99 ....... 30 times ..... I'm upset over this. I'm trying to get in touch with youtube but can't seem to find a phone number.
Just contact your credit card company. They’ll take care of filing a dispute for you.
Forget contacting the merchant. We prefer you not to. File your dispute with the issuer. You have exactly a 100% win. These are so easy to take form customers. Easy win.
Imagine how easy a job this is for the bank or CC issuer. They look like your guard dog, taking credit (sentimental credit, just to be clear) for 'saving' you over $500!!! WOW!!......and clearly, the stacked charges are a mistake, so it's a simple fix with YT.
So, WHAT COULD GO WRONG? We are all honest and capable of doing this right for you!!
Here is your only danger. Be aware of this, as it is a real REAL danger in this circumstance.
Bank on day 2, issues Provisional Credit of $539.70. 3 business days later, YT provides YOU, not the bank, YOU credit ALSO for $539.70.........You think nothing of it, and SPEND extra money over a month.
One day your account balance has a sudden DROP of over $500 !!!!! WHAT HAPPENED TO MY MONEYS!!!!???
This form letter also exists in the Dispute resolution world.
On (Date) the bank issued to you PC while we conducted out investigation.
The merchant also issued you credit on (Date).
Therefore, your Provisional Credit from (Bank) will be reversed on (Date 5 business days from today)
I've seen several customers get stuck just days from payday and rent and etc., are due or necessary, and the account is negative. It's horrible. to contemplate. No fraud, no malfeasance, just a mistake....fixed, to your benefit.....and then a bomb goes off in your finances. Please look out./ There is no claim in such circumstances, and the reversal can take 9 weeks. By then, you feel its' your money.
I have a question please, after notifying my bank that my credit card was used by someone without my authorisation. Do they deactivate the card or do they change the CVV of the card or card number? What do they do exactly? Hoping to get a reply from you soon. Thanks
The bank will only block your debit card and issue you a new one. But you can get back the money that was debited through the name on my profile.
Hello Melissa I have recently been scammed out of $500 for a counterfeit product, transaction was made through paypal friends and family. I have a recording of myself opening the package at the post office showing the fraudulent product. How can I go about getting my money back?
Unfortunately when you use friends and family, i believe it puts you at higher risk because it means that you were not paying for goods or services. This scammer got you bad! I would reach out to PayPal directly, but I don’t expect you’ll be able to get a refund on this one.
@@PerfectionHangover I have enough evidence to show that I have been scammed, through emails and pictures/video. I found out that they were using stolen images to sell me a product that they do not in fact own.
How are my chances now?
@@JohnLeon203 is your bank connected to your PayPal account? If so, and the money debited your bank account, you can try and appeal to the bank. Take all of the evidence and explain the situation. Tell them you’d like to file a dispute on a counterfeit item. 🤞🏼
@@PerfectionHangover Its just my card that is connected. I will take all the evidence I can to the bank, Thanks for answering! You have given me some bit of hope.
I'm very bad, I always come to this country as a tourist and this time I decided to open a bank account, but 2 days ago they stole 400 dollars from my account, this being impossible because I carry it well hidden everywhere and only I know my pin, I was going to buy my flight back to my country with that money, now I don't even have to eat, I really hate PNC Bank
How can u get the money the same day as credit I been trying in it haven’t gave it back my transaction isn’t pending either
The bank has up to 10 business days to give you credit, so same day credit isn’t guaranteed
Can a bank take back final credit and reopen closed investigation? Never got provisional credit only final credit.
Hmmm I would think if you got final credit, you should be good. I can't imagine them opening an investigation again unless there was something to indicate deception/fraud on your part.
Thank you😇🙏🏻
Ouch. Sorry to hear that. Who hacked you?
i had 2 amazon purchases show up in my account and these purchases arent in my amazon payment history. somehow someone online got my card info so i canceld my card and started the claim. im hoping they can give me the money back because it was a lot of money =(
If I tried to invest in something and paid through cash app which was connected to my bank account, but got scammed, can I file a dispute for my money back
That’s a touchy subject. I think you’d have to dispute with cash app and you are not protected through your bank. Cash app and Venmo are scary!
@@PerfectionHangover they gave me provisional credit in less than a day, so I’m hoping that my bank and cash app can work something out
@@nirajpatel4497 Plan on a notation in your transaction history DC DISP TEMP CR REV. DC is Debit Card. DISP = dispute. TEMP is temporary. CR is Credit. REV is Reversal.
Don't be surprised by a letter from the bank. "We have determined that no error occurred. Previously on (date) we issued you Provisional Credit pending our investigation. We will be reversing that credit from acct. XXXX on (A date 5 business days forward).
This letter informs you to have the funds in the account. DO NOT SPEND the money until a final outcome of your dispute, or your account can go negative.
What bank was did you have to do it through cashapp. I’m going through the same
Melissa let me ask you something I have a debit card and some how money that I didn’t know was put on my card somehow now it must have been done at Walmart I don’t lone my card to nobody and as of yesterday 5.40$ was taken off at Walmart and it wasn’t me
I hardly use this card and some how someone withdraw 300 then 500 then 200 all from different bank locations. the locations was no where near me but in the same state. hopefully they look at that and notice it was fraud.
If they withdrew from ATM’s, they have cameras at all ATM’s. Definitely file a dispute!! I’m sorry that happened to you
File this. You have a high success rate with this type of theft.
To stop this put your card on TEMP BLOCK in your app RIGHT NOW>
When YOU and only YOU want to use the card, either online or in person you UNBLOCK>CHARGE>BLOCK that card.
Later you may find out these attempts were made, but that will be it. ATTEMPTS THAT WERE DENIED.
How if the claim they didn't receive the service, how can I proof that I did the service
Provide a copy of the correspondence and receipt
Thanks 4 posting!
You're welcome! Thanks for watching!
Thank u 💜💜
Hi need help with understanding something
Your video was very helpful
Are they going to find the hacker?
I wish it were possible, but unfortunately they don’t do anything about this. VISA takes the hit
If I rented a car expecting to pay $76 but I returned the car in the wrong spot and they charge my card 11000 can I bet that back
They charged your car $11,000?! Look at the contract they had you sign.
This is a dispute, clearly I expect you to succeed with the bank about 100% of the time.
I also suggest plenty of Consumer Report guys and gals in the local media, they love this stuff.
THEN there is the US Attorneys Office and the State Attorney General.
This is unconscionable, and clearly borderline criminal. Probably over the criminal line.
Question so I let my nephew who was staying with me use my card and phone since I work about 70 hours a week I have two bank accounts. I told the bank that I let him use the card but only for 50$ for groceries... he spent over 1600$ on some dumb game so there is no way to get that money back?
Probably not, Samuel. When you admit to the bank that you gave permission to someone to use your card, they take that as you are at fault. You might be able to reach out to the game company directly to get your money back, but dang...expensive lesson! I’m sorry this happened to you!
You could also file a police report
@@PerfectionHangover I talked to my bank again. They said they were going to change it to say I didn’t give access to the card and I was present with him when I let him buy stuff when we were shopping... can I get my money back then? Or what’s the best way around this.
@@MeatyClackers00 I’m honestly shocked that they would do that. My best advice is to just work with them to reach a resolution! I can’t give legal advice, but I do hope you get your money back!
@@MeatyClackers00 That statement is NOT your bank. That is someone personally putting their job, and yes their freedom on the line. This is an actual crime, "Defrauding a Financial Institution". Do not participate. $1600 is a harsh personal lesson. However, $1000 is the line usually for a Felony. Do not participate.
Clearly there exists no discretion in Bank Policy to knowingly lie on forms.
Do not participate. Someone is clearly allowing sentiment to overtake reason. You seem to know this cannot be right.
Not helpful. That was just common knowledge.
Did you get your money back?
You said alot but did not show us anything . Still how do I dispute this ?
Pretty sure I mentioned you have to contact your financial institution and file a dispute with them. You cannot do it yourself.
Thinking it was a scam, I was having the same issue as yours not uni I was referred to #cyber_jay_hack2 on Instagram, when I dropped my details,he helped me fix it and all is fine now, I will forever remain grateful to him
@@bloodsucker8439 thank you so much for that . It was very ,very , very, helpfull. I did just that and he told me to call the company first and exsplain, and man it took me 5 minutes and he said to always do that first not to contact my financial people (after thinking on this if I had called the financial people it would have made a mess ) cause it will make them mad and want work with me . Wow,,,
What kind of card do you have? It’s so cute.
This is Empower Bank! They’re straight online only and I LOVE them
@@PerfectionHangover I jus had some unknown company charge me $60 out of my credit card !!I am worried to notify my bank because I am out of the country and they would cancel my card..Will that happen if I contact them??
@@dwhoop7045 I hate to be the bearer of bad news, but they will definitely cancel your card when you notify them of fraud. I hope you have another card on hand that you can use! Each bank is different. They may not want to send your card to you overseas (for good reason). I'm sorry that happened to you!
@@dwhoop7045 Remeber, REG E Disputes, which banks MUST HONOR have no time frame. Your deadline is 7 years ONLY because banks dispose of records then.
When you return, OR when you have a permanent address overseas, call this in. I'm happy for you its' only $60.
My overseas customers do 1 of 2 things.
1 Use a stateside address, and have trusted family send the new card.
2 Establish a true address overseas, change address legitimately with the bank, and file your dispute during which you get a new card. As a bank rep I send even overseas replacement cards expedited with COURTESY WAIVED shipping fees.
Eyes 😍😍😍😍
You talk to much .
I responded to your other comment. Hope you understand now how to file a dispute with your bank.
'to much'? Your grammar sucks.
❤️🙏
I went through some of these things that's why I swear I hate people sometimes not you I love your channel that's why I don't trust social media thank you for your channel I'm sorry I'm just frustrated boost Mobile never delivered my order for one thing messing orders and somebody also made a fake Facebook account of me no wonder I would feel that way thank you though I can't say no more right now I don't feel good I'm too stressed out
wells fargo soocks
I never believe I can came across someone like *TRENCHDAWG* am so glad to found you and I promise you not gonna regret trusting me.. thanks for the card once again Dawg💯🤟
I would like you to know *TRENCHDAWG* Bcos I was pleased to receive the clone card he delivered to my doorstep and it was very perfect and I got all my funds withdraw