Discover and CapitalOne dispute process.

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
7 posts
rmk08
 
Posts: 0
Joined: Tue Sep 16, 2014 6:40 am
Location: Pittsburgh/PA

Discover and CapitalOne dispute process.

Postby rmk08 » Tue Sep 16, 2014 6:53 am

What luck has anyone had with them? I been enjoying both cards especially my Discover so far but I was duped into making a $1000 (roughly) transaction 1 1/2 weeks ago. I stuck $495 on my CA and a bit more then $525 on my Discover. I was misled by the group, services/products were not as described as well plus the customer support apparently only does business by email. I did my dispute with Discover online/mail but CapitalOne I called/mailed and even the agent got stonewalled when she called on my behalf (They have no real live phone support. You have to email or at best, leave at voicemail :mad :) .

https://s3.amazonaws.com/cms.fanduel.com/cms_static/img/templates/howitworks/guarantee.png
https://www.fanduel.com/terms

It was a fantasy football site. I ended up not liking it compared to other sites like ESPN and on their site it says you can get money back 100% guarantee. Well, apparently, in small print on only one part of their site, it says one contest and $100 max but never on the other parts of their site nor is it in their Terms of Services. I got free legal advice and the one attorney said it sounded like a scam and pretty common among those types of sites. Another told me to file a dispute ASAP and try my luck at it while the 3rd one told me to file a complaint with the PA AG's office or take them to court.



Do you guys think I could win, any shot of it? I sent in a ton of documents in the past few days. If they going to beat me, I'm going to make them work for it but hopefully I'll come out on top. Do you guys have any stories on Discover and Capital Ones dispute process, did it work out or not for you?


User avatar
sicasun
Platinum Member
Platinum Member
 
Posts: 62
Joined: Tue Jan 29, 2013 12:09 am
Location: TX, USA

Postby sicasun » Tue Sep 16, 2014 10:30 am

I've never disputed anything with either of those companies :( Best thing to do is file a dispute ASAP as the lawyer said and actively keep an eye on the situation. I got sucked in once by one of those auction websites and they charged $150 to my chase account. Chase was really quick to handle my dispute and I had my money back in a week.

I have called CapitalOne customer service before, and they were nice and fairly easy to work with for me, so I find it strange that you can't seem to get hold of someone who will help you.

Usually consumers win these types of cases (at least from my experience and what I've heard) because the websites probably have had a long history of previous complaints and similar cases. Have you researched the company? Maybe they have complaints that was submitted to the BBB or other websites.

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

rmk08
 
Posts: 0
Joined: Tue Sep 16, 2014 6:40 am
Location: Pittsburgh/PA

Postby rmk08 » Tue Sep 16, 2014 1:41 pm

sicasun wrote:I've never disputed anything with either of those companies :( Best thing to do is file a dispute ASAP as the lawyer said and actively keep an eye on the situation. I got sucked in once by one of those auction websites and they charged $150 to my chase account. Chase was really quick to handle my dispute and I had my money back in a week.

I have called CapitalOne customer service before, and they were nice and fairly easy to work with for me, so I find it strange that you can't seem to get hold of someone who will help you.

Usually consumers win these types of cases (at least from my experience and what I've heard) because the websites probably have had a long history of previous complaints and similar cases. Have you researched the company? Maybe they have complaints that was submitted to the BBB or other websites.



Oh no, I meant that when I called CapitalOne, they was very nice to me. What I meant was the agent actually called the company on my behalf and their number wasn't working, CapitalOne was great though.

I saw they got a A with the BBB but got 8 complaints mostly on the product. Some seem to win out and some seemed to get strong arm by the company when they started to fight back. 7 days today so far and they never replied yet to ether one. I'm just nervous that I won't win despite me sending in stuff. Like I said, two out of the three pages on their site it saids 100% guarantee money back but only in that one silver plus it's not in the ToS if you look at that link I posted. I know my brother had success when he was double charged once on Amazon many years ago but doesn't have a Discover or filed a dispute with his CAp One yet.

User avatar
sicasun
Platinum Member
Platinum Member
 
Posts: 62
Joined: Tue Jan 29, 2013 12:09 am
Location: TX, USA

Postby sicasun » Wed Sep 17, 2014 10:33 am

Hmmm does the situation in this complaint sound similar to yours? http://www.ripoffreport.com/r/fanduel/internet/fanduel-i-love-fantasy-football-and-heard-via-media-that-this-was-a-fun-site-for-fantasy-f-959002

It doesn't seem that there's a lot of actual scamming going on with FanDuel. I even read a review site that journals all their FanDuel activity in a week and they were only $53 in the hole (for obvious reasons). Is it possible you got hacked like the person in the complaint above?? :(

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

rmk08
 
Posts: 0
Joined: Tue Sep 16, 2014 6:40 am
Location: Pittsburgh/PA

Postby rmk08 » Wed Sep 17, 2014 2:44 pm

sicasun wrote:Hmmm does the situation in this complaint sound similar to yours? http://www.ripoffreport.com/r/fanduel/internet/fanduel-i-love-fantasy-football-and-heard-via-media-that-this-was-a-fun-site-for-fantasy-f-959002

It doesn't seem that there's a lot of actual scamming going on with FanDuel. I even read a review site that journals all their FanDuel activity in a week and they were only $53 in the hole (for obvious reasons). Is it possible you got hacked like the person in the complaint above?? :(



No I wasn't hacked. I was misled/duped about the services and product. In one way I think I might win but another I'm getting that sinking feeling that I'm going to lose it. :(

User avatar
sicasun
Platinum Member
Platinum Member
 
Posts: 62
Joined: Tue Jan 29, 2013 12:09 am
Location: TX, USA

Postby sicasun » Thu Sep 18, 2014 10:38 am

rmk08 wrote:No I wasn't hacked. I was misled/duped about the services and product. In one way I think I might win but another I'm getting that sinking feeling that I'm going to lose it. :(

Hang in there :( I'm not sure what else to tell you. You did your job and followed up with support for your case, not much you can do but sit back and wait.

Have you managed to talk to anyone in the fraud departments?

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

rmk08
 
Posts: 0
Joined: Tue Sep 16, 2014 6:40 am
Location: Pittsburgh/PA

Postby rmk08 » Thu Sep 18, 2014 11:53 am

sicasun wrote:Hang in there :( I'm not sure what else to tell you. You did your job and followed up with support for your case, not much you can do but sit back and wait.

Have you managed to talk to anyone in the fraud departments?


No. Just the dispute department with CapOne. I disputed it as I was mislead by the company and the product/services were not as described. I am thinking though maybe I should have put it down as fraud instead but if I did, would the police be called? I don't want to lose the case but at the same time, I don't want to have stuck it down as fraud then lose and get in trouble for the company's misleading tactics.



Return to “Credit Card Fraud”

Who is online

Users browsing this forum: No registered users and 0 guests