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Disputing over billing/ fraudulent charges on CC

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Disputing over billing/ fraudulent charges on CC

Old 07-15-2012, 11:55 AM
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Default Disputing over billing/ fraudulent charges on CC

Have any of you experienced placing a legitimate telephone order with a company, you recieve the correct items, only to find out when you get your CC bill the Company intentionally overcharge your CC. (not by a little)

Did you file a dispute with the CC company?
Any other agencies like Deptartment of Justice(State), FTC, BBB, etc.
What was the outcome?

Last edited by aubv; 07-15-2012 at 12:06 PM.
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Old 07-15-2012, 12:16 PM
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How did you know it was intentional?
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Old 07-15-2012, 12:47 PM
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Originally Posted by bumster View Post
How did you know it was intentional?
Good question.

This was for metal roofing material for a small shed. I was verbally quoted $317 which was correct based on Craigslist Ad pricing and placed the order on the 4th. The pricing was from a roofing contractor/distributor but arranged pick up at the MFG on the 11th. *Received CC bill on the 15th, charged $3,170. Think it is a simple mistake and call Roofing company, told will correct in afternoon. Two days later find out the roofing company had already charged my CC another $1,370. *on the 11th.*Will not answer phone calls.
*3 e-mails no response. Roofing company has been questioned by CC company and supplied copies of CC charges to CC company indicating intent of roofing company.
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Old 07-15-2012, 12:54 PM
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Did you check the BB rating on this vendor?
Internet search for issues with the vendor?
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Old 07-15-2012, 01:06 PM
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If you ain't picked up the material-- don't.

I had a disputed charge on a MC, called MC service, presto, charge gone.
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Old 07-15-2012, 01:07 PM
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Yeah, I could see the first one being a mistake but, Now it just sounds like fraud. Dont you just hate a freakin thief?
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Old 07-15-2012, 01:10 PM
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No. Why? Vendor was knowledgable had 3-4 conversations prior to purchase. In fact first quote($335) was slightly higher but a couple of changes to required material list resulted in slightly lower quote. The quotes where in line with advertised pricing on CL. I could pick up the material from the MFG instead of the Roofing company. Modest dollar amount and using CC.

By the way it turns out a complaint has been filed on May 7, 2012 with the Dept of Justice in the state that this company resides by someone else and it appears headed for small claims court.

In fact I hope this thread results in others learning a few lessons to protect themselves.

Last edited by aubv; 07-15-2012 at 01:29 PM.
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Old 07-15-2012, 01:22 PM
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Originally Posted by twentynine View Post
If you ain't picked up the material-- don't.

I had a disputed charge on a MC, called MC service, presto, charge gone.
Already picked up but have not used. Will not use as I will return if needed. Not sure if this would negate the transaction.
The CC company initially fumbled the ball as I asked them if they wanted me to send them anything they said no. Yet they simply received CC slips from the roofing company as evidence of the transaction and wrote us a letter that they where reinstating the charges on our CC.

Subsequently I have provided a fair amount of evidence to the CC company in written form including a copy of the screen shot I took with my phone when I found the ad on CL, indicating pricing and the packing list from the MFG. If you don't know how to take a screen shot with you phone, learn how. It maybe the saving grace in all of this because I never actually received a written quote, this was a mistake on my part.

I'm sure THT members will point out more.
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Old 07-15-2012, 01:39 PM
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Originally Posted by bumster View Post
Yeah, I could see the first one being a mistake but, Now it just sounds like fraud. Dont you just hate a freakin thief?
What bothers me the most while reported to CL about 4 days ago, no response yet. Ad still on CL. CL has best of CL but no worst of CL. I've made that suggestion to CL.
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Old 07-15-2012, 01:44 PM
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Originally Posted by aubv View Post

In fact I hope this thread results in others learning a few lessons to protect themselves.
We'd learn more if you named them.
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Old 07-15-2012, 01:46 PM
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If your CC company hasn't helped you, and the packing slip you have doesn't say "NO RETURNS", return it and demand a full refund.
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Old 07-16-2012, 04:28 AM
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Reason I buy everything I can with Amex. Simple and easy to deal with this stuff.
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Old 07-16-2012, 04:45 AM
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I had a cruise gone sour.....to the tune of roughly $13,000. I had travel insurance but the cc company is first on the totem pole of claims. I disputed the charge that was immediately refunded; however, the disputed charge was put in a dispute pool where the cruise company had opportunuty to respond. After 30 days the dispute was evaluated and the refund became permanent.
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Old 07-16-2012, 04:56 AM
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Originally Posted by keithelder View Post
Reason I buy everything I can with Amex. Simple and easy to deal with this stuff.
x2. I've had to dispute several things over the years and never had a problem with Am Ex honoring the dispute. Even had success with MC on one issue.
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Old 07-16-2012, 05:05 AM
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Originally Posted by C Skip R View Post
x2. I've had to dispute several things over the years and never had a problem with Am Ex honoring the dispute. Even had success with MC on one issue.
I just like Amex's automated process. I go into their website, click the item, fill it out, I'm done.

Of course, this is one of the two main reasons why vendors do not like carrying Amex, the higher surcharge per transaction fee and Amex really has the card holder's back.
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Old 07-16-2012, 05:20 AM
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I used the CC(Visa) thinking it offered some protection and it still may.

However, in this case the Roofing Company ran an overcharge first and then a fraudulent charge. When challenged by the CC company the Roofing co. supplied copies of those slips to the CC company as proof of the sale. *In the first go round, the CC company accepted those copies as proof the charges where legitimate! When I brought this to the attention of CC rep #3 she understood how ridiculous this is. *With this logic on the part of the CC company any vendor could run a charge on your CC supply the copy of the sales slip and you are on the hook. As a consumer I will be far more cautious in the future. *I will not only get a written quote but respond with a written authorization to bill CC for a specific amount.*

When it comes *to disputing CC charges it makes a difference to the CC company. When I filed the first disputes, the service person put both disputes in as overcharges. Subsequent conversations with CC company reveled the disputes should have been filed as a overcharge and a fraudulent charge. This has *now been corrected but as a consumer I explained what happen to CC rep#2 *when filing the dispute but rep#2 didn't *file them correctly.
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Old 07-16-2012, 06:56 AM
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Next time don't call. You can go on line and do everything. Much easier when dealing with Visa.

X2 on the American Express. They don't take no crap.
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Old 07-16-2012, 07:16 AM
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Originally Posted by snapperkid View Post
Next time don't call. You can go on line and do everything. Much easier when dealing with Visa......
Sure now you tell me.

Called CC co this AM rep# 4, they acknowledge receipt of my 11 page fax. Will be going back to Roofing Co bank, have 45 days to respond. Still

By the way, from CC company letter The merchant has supplied us with sales receipts that show your account was correctly charged.
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Old 07-16-2012, 07:24 AM
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Your out should be that it was a phone order and the merchant can't supply a signed copy.
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Old 07-16-2012, 07:37 AM
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Originally Posted by snapperkid View Post
Your out should be that it was a phone order and the merchant can't supply a signed copy.
unless recorded and saved.... ever make a cell phone payment on your cell and press 1 to confirm charges?

Credit cards were 70% of my business in parasailing and 95% of my business in waverunners. I hated it.. I pushed for cash because I had soooooo many people fight me on the charges. Charge backs. Just because they could and they knew they would get away with it. Can I tell ya what a pain in the ass it is to keep up with 200 charges a day for 6 months? Then ya get the letter from the cc company asking for details.. Sheeesh you gotta dig through 6 months of paper work to find the 60$ charge. I can't tell ya how many I said WTF I can't find that..

Kids would rent the skis and play chicken and trash them... Then dispute charges LOL... I hired a lawyer for those.
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