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Holiday Shopping and the thieves that prey on us.

Posted December 3rd, 2008 at 01:44 PM by veedub3
As the Holidays become nearer, I rush to re-fill my supplies so I can ensure happy customers throughout this joyful time of the year. It's late, I am headed to bed and I remember an order I forgot to place. I run to my home office and look up the new vendor that I wanted to try out. I ordered several rolls of vinyl, closed up the office, and once snuggled up in my California King I drifted off to sleep.
I awoke the next morning to the smell of fresh brewed coffee, and I immediately jumped on my computer to get my day started. As always the first thing I do each morning is check my bank account. I can't explain why I do this every morning but it is something that I have done every morning for as long as I have had a checking account. To my surprise I see some very strange charges and begin to wonder what I ordered so late the night before was. I checked the order that was emailed to me and immediately knew that something was not right.
I jumped on the phone with my Financial Institution to clarify the charges but because they were charges that were still pending there was little I could do. I was assured that once the charges cleared my account I could get the company's information and call to verify or dispute the charges.
I went on about my day a bit anxious for it to be over so I could see what the charges were for that was charged on my card the night before. What I saw the next morning I was not prepared for. Eight separate charges totaling $4,023.16 went through my account. I could not call the Bank quickly enough. I was immediately transferred to the Loss Management Department and gave the Analyst a breakdown of the charges I had made since receiving the new card. (I had just received a new card 3 days before I charged the order for the vinyl.) The new card had only been used three times. Twice at the ATM and once for the purchase of the vinyl. The first use at the ATM was to activate the card and the second use was to make a deposit, all at the ATM inside my local branch. My thoughts quickly went to the vinyl purchase and I gave a once over of the online receipt and noticed that the charges were different than what was charged to my checking account. I phoned the company and this is when I found out that the online sales form is not actually online, it is manually submitted and because my order came in late at night, it was not input into the computer until the following work day.
So basically my complete credit card number including the three digit pin, my full name, address, and phone number was sitting on a fax for all the workers that work the night shift to see.
The bank shut the card down on 11/26/2008. Each day that I watched my account I became sicker and sicker because each day more and more funds were withdrawn from my account. 12/2/2008 I hit the roof because the card had been shut down for six consecutive days and charges that were made after the card was shutdown were still being approved and taken from my account. The bank of course assures me that card has been closed but can't seem to explain how or why charges are still filtering in. At this point a total of $8,152.96 was charged to my account and $162.58 of those charges was international service charges. I asked was the problem that the charges were coming from a vendor over seas the reason why the charges were still filtering in or was the card really not shut down and someone dropped the ball.
Of course you never get a straight answer but I was told that the funds would be reversed and I should see the reversal reflected in my account in 48 to 72 hours. Is this madness or what??? I am victimized by a low life that takes my card and uses it to buy gifts for his family and then I am victimized by my financial institution and penalized by having to wait 48 to 72 hours to get my money returned to me. I am still trying to wrap my head around this as I am usually very careful when making online purcahses. Most of the time I pay using Paypal, but if that option is not available and the site does not have secure online ordering I will not patronize that company and for some reason it slipped right past me.
For all those that rely on shopping online, please be sure that the site has secure online ordering. If not, and you really need the item from that vendor, pick up the phone and call the company. I will never be caught like this again if I can help it. I will eventully get all my money back and I have for the most part as only a few hundred dollars have not posted but I am confident that it will. This incident could have been much worse, so please be careful this Holiday season and let your carefulness carry you though the new year.

Katrina
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good story
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Posted January 20th, 2011 at 11:05 AM by micromaui-closed micromaui-closed is offline
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Thank you very much, we will post a weekly blog dicussing the variuous aspects of screen printing
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Posted May 13th, 2011 at 07:29 AM by royalpar1 royalpar1 is offline
 
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