funchords
Hello
Premium,MVM
join:2001-03-11
Washington, DC
 ·Verizon Online DSL
 ·Skype
| reply to overwelmed
Re: Pluto Data Credit Card Charge
said by overwelmed  : It seems as though the posters who are saying their bank won't refund them the money since it's under $50 may be right. According to the FCBA you are only responsible for unauthorized charges "up to $50". That wouldn't stop me from raising holy hell with my bank though. No. Don't let your bank buffalo you!
Only if the card is lost or stolen AND the consumer failed to report it within (some time limit that I can't remember).
This does not apply to charges that appear on the statement that were not made by the consumer. Those have 60 days from the statement date to be reported in writing.
Further more, many banks have been advertising zero liability -- although terms and conditions may apply. Debit Cards aren't covered by the same laws as Credit Cards, but both Visa and Mastercard have set brand rules that the issuers must follow, offering at least the same consumer protections as the credit cards.
Do not accept these charges under any circumstances. If you have disputed in writing and a U.S.-based bank is not holding you harmless, contact the Office of the Comptroller of the Currency with a copy to the Office of the President of the offending bank. You will get a positive response.
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Robb Topolski  http://www.funchords.com/  Hillsboro, Oregon USA
They who would give up an essential liberty for temporary security, deserve neither liberty or security |
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algorithm
And I Should Care - Why?
join:2001-07-23
Huntington, NY
| reply to overwelmed
said by overwelmed : Read the fine print on the back of your credit card statements before you start telling people they are wrong. Re:Pluto charge again on new card »www.ftc.gov/bcp/conline/pubs/credit/fc.. It seems as though the posters who are saying their bank won't refund them the money since it's under $50 may be right. According to the FCBA you are only responsible for unauthorized charges "up to $50". That wouldn't stop me from raising holy hell with my bank though. Those people need to dump the card that sticks them with the first $50 and get one that doesn't.
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"Those who can not remember the past are condemned to repeat it." George Santayana - 1905 |
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Mordy
Comfortably Numb
Premium,MVM,ExMod 2004-07
join:2001-12-02
Denver, CO |  reply to legalbegal
(topic move) Pluto Data Credit Card Charge
Moderator Action
The post that was here, and all followups to it, were moved to a new topic .. »$29.95 Credit Card Charges |
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i386
Unix God
Premium
join:2004-07-10
Tucson, AZ
| reply to legalbegal
Re: Pluto Data Credit Card Charge
There are many ways the charges could have happened to you... we'll need to see other merchants people have shopped at
1) Some crooks are randomly generating credit card numbers
2) One of the merchants is selling your card # (doubtful), or they have an EMPLOYEE that is doing it |
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jenniferd
@aol.com
|  reply to legalbegal
I just tried to pay directv with a prepaid credit card and was declined due to lack of money. I put the money on the card yesterday at 4:33 and the money from pluto data was deducted and 5:15. I only use this card to pay my husband's insurance with GMAC insurance, Virgin Mobile, Z-tel communications and Directv.
There is also a charge for e-music.com for 9.99 that we had not signed up for.
Glad to see that we are not alone and going to check my credit card balance online now at least once a day. |
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john_bkk77
@203.107.x.x
| reply to pOPEYEpIRATE
actually, had the same thing.. he is filipino, that's for sure. lots of related charges to mobius.ph etc, infophil, some other bs. I notice some of the charges to EU8885969279 were reversed but not all. taking it up with my bank. google search brought me here. |
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i386
Unix God
Premium
join:2004-07-10
Tucson, AZ
| reply to legalbegal
What is the link? Yours came out like this:
»www.ftc.gov/bcp/conline/pubs/credit/fc..
You will need to add "hxxp://". Replace "x" with "t". And also complete the part after "...". |
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overwelmed
join:2005-02-24
Fergus Falls, MN
| reply to algorithm
Read the fine print on the back of your credit card statements before you start telling people they are wrong.
Re:Pluto charge again on new card
»www.ftc.gov/bcp/conline/pubs/credit/fc..
It seems as though the posters who are saying their bank won't refund them the money since it's under $50 may be right. According to the FCBA you are only responsible for unauthorized charges "up to $50". That wouldn't stop me from raising holy hell with my bank though.
I've read about 90% of the pages in this thread and it seems pretty clear to me that Answer Quick was just the answering service. Is there any solid evidence that they are in on it? |
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i386
Unix God
Premium
join:2004-07-10
Tucson, AZ
| reply to legalbegal
well, we have new registration info.
Robert Barnes (rjbarnes@rjb.net)
+1.3107047072
Fax: +1.3103389168
6562 Firebrand St.
Westchester, CA 90045
US
rjb.net also has the same |
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MGD
Premium,MVM
join:2002-07-31
Fort Lauderdale, FL
1 edit | reply to bear88310
Unfortunately, additional charges made against the old card will rollover to the new one. However, something is wrong there, and the law (is on your side). They cannot charge late fees, finance charges etc on disputed charges and must resolve them in a specific timeframe. In addition, the witholding of payment on the disputed amounts cannot affect your credit rating.
Please review the following, and make sure you have documented the dispute in writing to them, after the phone calls.
Quote:
The Fair Credit Billing Act requires creditors to correct errors promptly and without damage to your credit rating.
A Case of Error? The law defines a billing error as any charge • for something you didn't buy or for a purchase
by someone not authorized to use your account
• that is not properly identified on your bill or
is for an amount different from the actual
purchase price or was entered on a date
different from the purchase date
• for something that you did not accept on
delivery or that was not delivered according to
agreement.
Billing errors also include:
• errors in arithmetic
• failure to show a payment or other credit
to your account
• failure to mail the bill to your current
address, provided you told the creditor
about an address change at least 20 days
before the end of the billing period
• an item on your bill for which you need
more information. In Case of Error. If you think your bill is wrong, or want more information about it, follow these steps:
1. Notify the creditor in writing within 60 days after the first bill was mailed that showed the error. Be sure to write to the address the creditor lists for billing inquiries and to tell the creditor
• your name and account number
• that you believe the bill contains an error
and why you believe it is wrong and
• the date and suspected amount of the error or
the item that you want explained. 2. Pay all parts of the bill that are not in dispute. But while waiting for an answer, you do not have to pay the amount in question (the disputed amount) or any minimum payments or finance charges that apply to it.
The creditor must acknowledge your letter within 30 days unless the problem can be resolved within that time. Within two billing periods, but in no case longer than 90 days, either your account must be corrected, or you must be told why the creditor believes that the bill is correct.
If the creditor made a mistake, you do not pay any finance charges on the disputed amount. Your account must be corrected, and you must be sent an explanation of any amount you still owe.
If no error is found, the creditor must send you an explanation of the reasons for that finding and promptly send a statement of what you owe, which may include any finance charges that have accumulated and any minimum payments you missed while you were questioning the bill. You then have the time usually given on your type of account to pay any balance.
3. If you still are not satisfied, you should notify the creditor in writing within the time allowed to pay your bill.
ref: »www.federalreserve.gov/pubs/cons···htm#bill
DOW |
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bear88310
@tularosa.n
| reply to gonesupra
Hello all.
I dont recall if this is the same message area i poste dbefore but my charge was in march. well, the pluto charge is still lurking. after doing the proper reporting, etc. i had my new card wit hnew number shipped. well, to my suprise i had 2 more pluto charges on the card and then called cap one. come to find out, they never even disputed it, they just let the "vendor" credit me back. i wasl ike, vendor? how can the fraudulent pluto credit me back? then i am now fighting cap one. i been hit with 3 late payment fees because i refuse to pay the pluto charges. i even have a letter from cap ones fraud dept saying i was frauded and they will credit all back to me. now they are saying other wise. besides getting a lawyer, who else can i report cap one to about this? |
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Wyoming44
join:2005-06-09 | reply to SandyBee
I have not heard of that one! But, the lesson is read your statement and call the card company and request bogus charges be removed. Learn more at »www.ihatecreditcards.com. |
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i386
Unix God
Premium
join:2004-07-10
Tucson, AZ | reply to legalbegal
Any other ideas on how this may have happened? |
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Mordy
Comfortably Numb
Premium,MVM,ExMod 2004-07
join:2001-12-02
Denver, CO | reply to legalbegal
(topic move) Bulexenterprises.com Credit Card Charge
Moderator Action
The post that was here, and all followups to it, were moved to a new topic .. »Bulexenterprises.com Credit Card Charge |
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i386
Unix God
Premium
join:2004-07-10
Tucson, AZ
| reply to legalbegal
Re: Pluto Data Credit Card Charge
DD13 - I'd recommend registering and making a new topic  You don't need to register, you can post anonymously. Dispute the charges with your credit card company, and contact the three credit bureaus and have fraud alerts posted to your accounts. Cancel your credit card and get it reissued.
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Best regards,Eddie |
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i386
Unix God
Premium
join:2004-07-10
Tucson, AZ | reply to legalbegal
if they have another merchant account it may not be the same
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Best regards,Eddie |
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etoast66
join:2001-06-05
Caldwell, NJ | reply to legalbegal
It looks like a similar scam is now being reported in the Security forum. I wonder if its the same group or a copycat.
»Strange CC charge - disputed |
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i386
Unix God
Premium
join:2004-07-10
Tucson, AZ | reply to legalbegal
I doubt anyone will know where the break-in was at, but... just watch your credit card statements.
And for your security, CANCEL YOUR CARDS WHEN YOU GET A FRAUDULENT CHARGE.
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Best regards,Eddie |
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Mordy
Comfortably Numb
Premium,MVM,ExMod 2004-07
join:2001-12-02
Denver, CO | reply to legalbegal
(topic move) E-mail Poll
Moderator Action
The post that was here, and all followups to it, were moved to a new topic .. »E-mail Poll |
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natwoman
@63.206.x.x | reply to Chris-
Re: Pluto Data Credit Card Charge
Same here. i called my credit card company and they cotacted Pluto and Pluto credited by credited card. |
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