disputing a creditcard charge

[qwertysaget]

I am dealing with Capital One to dispute a charge on my account.

It seems pretty clear cut to me. A company used my credit card without my permission after they got the card # from my stupid brother. I did not authorize it's use or sign anything.

Capital one keeps writing back asking for more info about the bad service I recieved from CANAC, but that's irrelevent. That issue is between me & CANAC. The only issue they need to address is that my card was used unlawfully.

Has anyone else with a situation like this& how did it turn out?

 

[WhaWhaWha]

Hands in my pocket..... Hands in my pocket.... Hands in my pocket.....

 

[qwertysaget]

Thay asked my brother to see my card. They left the room with it, then gave it back. They didn't say they were using it for payment.

And oops I have been a bit bitchy with Cap One.

 

[stinkynuts]

I think your brother may not be telling you the truth. Or if he is, then the card was used illegally and the merchant should be reported.

Either way, tell Capital One what happened and the issues will be resolved.

 

[Meister]

What's the amount?

I assume there is no signature. Ask the card company and the merchant to produce a signed copy.

If you are using the card a lot threaten to cancel the card.

 

[raven@mirage]

I don't use my capital one card.

but I had a similar issues with TD visa and Yahoo Domains ! .... They handled it prety quickly and charged the person who used my card without my permission.

then cancelled my card and sent me a new one then about 3 months later the charges were credited back on my card.

 

[kooley]

with family its tough, once you admitted to them it was your brother, they will make you press criminal charges or they will assume you let him use the card, i went through a similar ordeal with a card company.

 

[tboy]

with family its tough, once you admitted to them it was your brother, they will make you press criminal charges or they will assume you let him use the card, i went through a similar ordeal with a card company.

Yup, if you don't press charges I bet you won't get a penny back. If they allowed this to go through, everyone and their....ahem, brother, ahem, would be doing it and they'd be out millions.

 

[kooley]

Yup, if you don't press charges I bet you won't get a penny back. If they allowed this to go through, everyone and their....ahem, brother, ahem, would be doing it and they'd be out millions.

thats exactly what i was told.

 

[qwertysaget]

My brother was at my cottage to let them in in case they got there before I did. I had a cheque on me to pay them for work that was to be done that day. I had already paid half in cash at the time of purchase. They had been there a half hour before I arrived but we had a major dispute and the work was not done. As soon as my brother told me he had given them my card # before i arrived I called Cap One to tell them not to put it through if anyone tried to charged something on it that day. That was likely within an hour or them getting the #. Cap One put it through anyway and said I could only dispute it after it was charged to my account.

My brother is dumb but he wasn't stealing as he was getting nothing out of this. He was doing me a favour by going over to let them in. He didn't pretend he was me. I don't see how he could be charged. No one signed a slip for the credit card and I didn't authorize this use of my card.

 

[1HandInMyPocket]

Hands in my pocket..... Hands in my pocket.... Hands in my pocket.....

huh, oh, I thought someone was calling me.

I agree with alien, sounds like you'll have to go after the company who charged your card for services not rendered.

 

[fuji]

major dispute and the work was not done

I think your brother is irrelevant here. The key is the work was not done. Tell capone that you were charged for services that were not provided, they should be able to resolve that in a straight forward way. If they cannot or do not, then there is no point in being their customer. Adding your brother to the mix just complicates this unnecessarily so drop that angle and proceed with a straight-forward claim that you paid for something you didn't get.

 

[Papi Chulo]

How to dispute a charge

http://www.capitalone.com/credit101/credit/

 

[qwertysaget]

I am well into the dispute process.

I agree that my brother is irrelevent. And i think the fact the work wasn't completed is somewhat irrelevent. I think the primary issue here is that i was not asked for my credit card and I didn't sign it. I know at my job if a customer did not sign the receipt or use the card himself and then disputes the charge, he wins and we take the loss.

 

[papasmerf]

If your brother had your card without your premission then he is guilty of fraud and you should consider that.

 

[Keebler Elf]

How did your brother have your card number? Did he have your card?

 

[papasmerf]

How did your brother have your card number? Did he have your card?

There has been the suggestion of a criminal act by his broter. Never was it stated he had permission to use the card.