Ask ME ANYTHING: Representment Analyst at Major Bank

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CarefulBuilder14
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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby CarefulBuilder14 » Tue Jun 30, 2015 6:29 pm

And I feel like I'm splurging when I get a $30 or $40 pinot noir instead of my usual $7 Costco malbec or chardonnay!

With bottle service, I know you have to buy one bottle for every 3-4 people when you arrive. If a group goes through their initial bottles, though, are later bottles similarly inflated - or do you get a discount on those?

I tend to favor wine over mixed drinks, but I can see three people going through a magnum of champagne very quickly. A big bottle of vodka might take longer.
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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby Vermonster » Tue Jun 30, 2015 7:00 pm

lobbythis wrote:What was the reason for using a debit card with $28 on it to go out and party?


19 years old working full time taking night classes and not a clue in the world about credit cards. Its been a while, but if I remember correctly the only reason my account was so low was because there was a delay in getting my paycheck that week. I had more than $28 too, it was the fat tip that would have put me over. Bars also had some stupid policies like minimum 2 drinks on a card so we regularly paid for each other.
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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby stntman » Tue Jun 30, 2015 7:01 pm

CarefulBuilder14 wrote:With bottle service, I know you have to buy one bottle for every 3-4 people when you arrive. If a group goes through their initial bottles, though, are later bottles similarly inflated - or do you get a discount on those?.


You end up paying the same price you did for the first bottle. You have to think of it this way: you are buying the table, not the bottle.

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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby CarefulBuilder14 » Tue Jun 30, 2015 9:58 pm

stntman wrote:
CarefulBuilder14 wrote:With bottle service, I know you have to buy one bottle for every 3-4 people when you arrive. If a group goes through their initial bottles, though, are later bottles similarly inflated - or do you get a discount on those?.


You end up paying the same price you did for the first bottle. You have to think of it this way: you are buying the table, not the bottle.

How frequently is it a problem, then, for a group at a table to stay too long (in the management's eyes) if they're mostly light drinkers? I don't expect $300 or $400 would get the table for the whole night if the club is really busy.
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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby Nixon » Wed Jul 01, 2015 3:54 am

Vermonster wrote:For what's it worth, this shit happens all the time. I went through a similar experience at a club. I ordered a round of drinks and a few came sans alcohol when we asked for another the bartender got very rude and aggressive and started insulting us and calling us names. Mind you we had politely asked if we could have him make us another because we thought there was a mix up. Next thing I know he shoves a bill in my face, I blacked out the tip section and paid the drinks $28 for 4 drinks. I asked for a business card of the manager so I could come back later (reasonable I though) and this hulk of a man grabs me and leads me out. I asked him for a business card and he said in the most defeated tone, that when the bartender wants someone out, they go out. He overheard the whole thing and couldn't do anything about it.

3 days later, after the charge switched from pending, I saw that the bartender had given himself a $20 tip. This would have caused an overdraft had I not been depositing money and caught the charge. The local branch overturned the whole charge as soon as they saw the merchant name. The CSR said they get a few complaints a month about fishy charges and the Merchant never fights them.

Now the difference is that I never had a verbal agreement, and I had a receipt that clearly didn't match the charge. Take it as you will.


Overdraft? Never use a debit at places like this.

Never use debit, period.
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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby whit » Thu Jul 02, 2015 3:58 pm

stntman wrote:Good Morning!

First time posting here and in need of some serious advice and tips on a dispute I want to file.

The story goes like this...Over the weekend, I visited a local nightclub with a few friends of mine. We ended up inquiring about purchasing a table and bottle service. Eventually, we came to a verbal agreement of $300 for the service. They asked for my id and credit card, so I gave it to them. Once we got escorted to our table and were situated, the waitress appeared notified me that my credit card was declined, so I gave her another credit card (Capital One Quicksilver). She came back after with the bill so that I may sign the credit card receipt and I was in for a shock! I noticed they actually charged me around $500 instead! I walked back out to where my promoter and the sales desk was and notified them that the charge was totally incorrect. They proceeded to tell me that it was a mistake and the charge would be corrected. So, we went back to our table and enjoyed our purchase. As the night proceeded, I began to realize that the service was god aweful. Our waitress rarely showed up, the security was non-existent (I'll get back to this in a moment), and the product quality was terrible. Around an hour later, a random patron came to our table and attempted to steal from us. Security was not around to do anything so we ended up confronting the man about it. Events ended up unfolding, and lets just say a fight insued. We ended up leaving the nightclub and proceeded to the sales desk where I raises my complaints. They apologized and gave me the bill. This time around, I noticed the bill was $430! I inquired as to why it wasn't $300 and they stated that it was due to the tax (understandeable...I guess, but not for $130!) and for the extra amenities (which we ordered none). As it turns out, the side beverages they brough were not included in the original agreement, therefore we were charged for them. Please note that we did not request these and were under the false belief that they were part of the original agreement. I did not want to sign for something I did not order, but security showed up and a ruckus insued due to the earlier confrontation inside. (This is where things turn for the bad) I ended up signing the bill, but was unable to obtain a copy of my receipt since we wanted to leave to not get involved in all the comotion (and security seemed intent on us having to leave).

Now on to the question. Do I have a legitimate claim here on the grounds of:
1) Services unrendered/not to standards
2) Incorrect amount charged

To be quite honest, I am looking to not pay anything at all due to the horrible experience we had. Mind you, I will never be going back there again!

I know I am in quite a pickle here since I do not have any documented proof and it basically is there word against mine.

Also, I have heard of some credit card companies and banks issuing a full chargeback as a courtesy even if the merchant disagrees with the dispute. Is this true?

Please give me your thoughts and wisdom!


It really would depend on the cc company because you just might find that capital one sides with you but in all likely, imho no.

Verbal agreement for the $300 in both table and bottle service--nothing written that can be submitted as evidence plus

They have your autograph on the bill

If you saw that it was 500 but not 300 than later 430 not 300 because of extra charges you should have not signed the bill first than inspect later

the problem with negotiating down prices is that whatever is agreed upon is a bit harder to prove if you don't have it written down

Say they do do table and bottle service for 300 and it's written on their site or a menu and outlines what is included. Than you would be able to argue that everything sent was part of the package deal and also know if you order more or if you're brought more than what was outlined cos your buddy asked (I would say waitress brought u more but apparently they were almost non existent)

You'd know its extra charge, in this case you just assumed that you get everything covered under the 300

When you're presenting your side, and I apologize if it seems rude but I'm just straight forward calling it as I read it, you don't seem very aware of the terms nor care about the charges as you offhandedly sign twice? If not at least once without realizing it's more than what you had verbally agreed upon and seem very nonchalant about it until now

And even if the service absolutely sucked in reality versus what you remember after drinks, drinks were consumed and service was provided (albeit not to your standards) and you also did have space within the club, which is not cheap.

I don't see grounds to dispute the charge as its not fraud and they have your signature agreeing to the price paid.

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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby whit » Thu Jul 02, 2015 4:05 pm

Also for anyone whose had a heavy handed tipper waiter/ess I would recommend actually writing the amount of tip down (I see lots of folks skipping that and just writing the total or not even total and sign) and than taking a quick pic of it on your phone of the merchants' copy..

Hasn't happened to me yet but I figure if they ever do I just forward the pic of the original the merchant has of the price, tip and grand total while it's still on signing clip :)

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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby pambeary » Sat Sep 26, 2015 12:22 am

I'm disputing a purchase of a fake diamond bracelet in mexico with Capital One Visa Quicksilver card. But they're telling me I have to send the bracelet back to the vendor in Mexico before they'll process my dispute! I'm not comfortable doing this...is this what other credit cards require???

Why would the cc company want the vendor to have fraudulent goods he can sell to another unsuspecting tourist?

Any advice you can give me will help me sleep nights..I paid $1200!!!!

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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby whit » Mon Sep 28, 2015 1:54 am

pambeary wrote:I'm disputing a purchase of a fake diamond bracelet in mexico with Capital One Visa Quicksilver card. But they're telling me I have to send the bracelet back to the vendor in Mexico before they'll process my dispute! I'm not comfortable doing this...is this what other credit cards require???

Why would the cc company want the vendor to have fraudulent goods he can sell to another unsuspecting tourist?

Any advice you can give me will help me sleep nights..I paid $1200!!!!


are you wanting to keep the fake diamond bracelet and get your money as well?
how do you know it is fake (re: did you have a certified jeweler exam it, consult on the piece?)
generally, they're just asking you to do a return... i don't think that is so bad if you send it back, with proof of delivery.

If you're uncomfortable with sending them merchant back the product because it is fake, you can still do so but maybe alert the consumer bureaus or BBB or authorities of this.

but

I really can't see you being able to keep the merchandise and your money, regardless of its authenticity. IMHO.

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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby pambeary » Tue Sep 29, 2015 11:09 am

I took it to 3 different jewelers and they all proclaimed it a fake....I don't care about keeping the bracelet....my concern is that if I send it back to Mexico, and then Capital One refuses to refund my money, then what do I have? No evidence, no bracelet and no money!



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