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Re: Just Call the Bank If you ask for Regulation E form, get the person's name, date, and time you asked if they don't know what it is. After 30 days, you bank gets nailed for failing to give you a Reg E Form and has to credit the charges. | |
fiberguyMy views are my own.Premium
join:2005-05-20
kudos:3 | said by cameronsfx:If you ask for Regulation E form, get the person's name, date, and time you asked if they don't know what it is. After 30 days, you bank gets nailed for failing to give you a Reg E Form and has to credit the charges. You don't need to ask for a REG E form.. you just need to report the charge.. I would find it 100% hard to believe that any call center rep or customer service agent doens't know how to handle a contested or "fraudulent" charge on a customer's account.
But, simply getting a name, date, etc. isn't enough proof to save your behind on a 30 day nailing. What all the banks or credit card companies I've ever used have done is they start the process on the phone which puts it in the system,... the paperwork just follows for your signature... or in the case of most banks, you simply go in to a branch in person, sign the paper and the two will meet up.
Banks are usually not the problem.. the merchants are  .. the banks typically always get their money back based on their risk management practices. | | |
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