The story, as promised… I’ll try to make it interesting. It won’t be. But it’s my site, and I want to get it off my chest. Sit back, kids, and hear my tale…
[whooshing sound effect. The screen blurs. We find ourselves in an earlier, more innocent, sepia-toned era known as “last Thursday.”]
A few nights ago, my wife did the kind of thing that I would never think to do. She looked at our credit card statement. What possessed her, I don’t know. After some keenly directed questioning, I learned that such things are actually a habit with her, and that they have something to do with airy, arty concepts that she harbors, things with frou-frou names like “fiscal responsibility” and “not being robbed.” I guess it’s a girl thing.
Anyway, in this case, she turned up something. Two charges for hotel rooms in Chicago, both on the same night, both at a time when neither of us were in Chicago. Being smart, logical people, we both immediately turned and stared accusingly at the cat. Horatio said nothing, and I think he actually managed to roll his eyes.
But just as I was googling “kitty waterboarding,” I noticed something - I knew that hotel. It’s a hotel where “Wait Wait Don’t Tell Me” frequently houses us panelists when our first choice is overbooked. Because the matter is resolved, and because I have more respect for their identity than they do for mine, I will call the place “Diamond Nickels.” And tell you that its real name rhymes with “tub mortars.”
I called them. I got a machine. I left a “What the hey?” and my phone number.
The next morning, at 7AM, I got a call back. [This was an error: Because Jeanne has a worked in the hotel industry, I knew that somebody forgot to check the area code before dialing…]
I explained my case and presented some basic facts, like the fact that I never made the reservation, that I was never even intending to be in Chicago that night, and that even though I have admittedly put on a few pounds, I still don’t require two rooms.
Here’s what I learned. Diamond Nickels believed that “Wait Wait Don’t Tell Me” had reserved two rooms, that nobody had shown up, and that they had given my credit card number.
I countered with some other facts - there was no radio show that week, and I do not ever pay for my rooms when I travel for “Wait Wait.” Also, I’m not an employee of “Wait Wait” (I’m an independent contractor!), and - and here’s the kicker - they don’t even have my credit card number! Aha! Checkmate!
I’ll condense the timeline a bit, now. Though careful to say that it wasn’t that she didn’t believe me, the woman on the other end of the phone made it clear that she didn’t believe me. I pointed out that Club Quarters Diamond Nickels had probably accidentally taken my credit information from their own computers, as I had given it to them several times to cover the “incidental charges” during my stays. [And as much as I enjoy genital-free pornography, I generally don’t incur any charges. It’s a check-in formality, just like the traditional “Hello” and “I can’t find your reservation” and “Oh, here it is.”]
The next four hours or so consisted of several phone calls to this woman, and she would not budge from two basic principles: 1) She could not refund my credit card until someone at “Wait Wait” gave her theirs, and 2) her manager, her GM, the president of the company, the shift supervisor, CEO, CFO, Chairman of the Board, and anyone else in a position to help me were, regrettably, unavailable. Presumably on one of those wilderness team-building retreats that involves fat people hiking and making human pyramids which inevitably lead to “personal growth” and “personal injury lawsuits.”
But I persisted, and eventually I spoke to a day manager. He was no more friendly than his underling (and as some of you know, I’m a pretty personable guy. Folks like me. I’m a “people person.”). And his basic tenets were the same: 1) They had to wait for “Wait Wait” to assume the charges, and 2) it was absolutely impossible, nay, unthinkable, nay, beyond any question whatsoever, that anyone at their establishment had unearthed and used my credit information. “Wait Wait,” despite my protestations, must have provided said card number…
I began to throw the term “identity theft” around. Usually, this involves some anonymous desperado cadging and using your credit info. In this case, the person wasn’t so anonymous. But the principle’s the same, isn’t it? After a few unpleasant threats and my continued insistence that however the hotel believed my credit card number got there, the debt simply wasn’t my problem, the manager agreed to remove the charge. In the process he managed, somehow, to audibly roll his eyes. Horatio would’ve been jealous.
The rest of the day was filled with what you’d expect. “Wait Wait” confirmed that nobody there had my credit information, that a reservation for four rooms had been made for that week, and canceled, and that their basic feeling about my ordeal was a hearty “wtf!?”
I wrote a complaint email to the hotel. No, this isn’t over yet. Sorry.
The next morning, I received an email from the hotel’s ubermanager. Though apologetic and polite, she also somehow managed to slide in the idea that she and her people and her organization were still completely in the right. “We have to charge the credit card that is given,” she wrote. [”It wasn’t given!!” I then screamed. I admit - I actually did this. To my computer.]
Shortly after this, I went to my credit account online to see if the charges had been removed yet.
They hadn’t.
And there was another charge there, which hadn’t shown up on my paper statement because it was so recent.
Another room charge.
At that same hotel.
Six days ago.
On a night when I was in L.A. And not on a Thursday, when “Wait Wait” tapes, no - on a Tuesday.
By now, I’d been charged well over 500 bucks by these terse, sighing eye-rollers. And despite their careful denials and whatnot, that last charge made it pretty clear that somehow, the Impossible had happened and someone at their establishment had retrieved my credit info and applied it liberally to a variety of bills. In some ways, I’m glad about that last, crazy room charge. It had the same effect as a murder suspect on the stand leaning over and strangling the judge with a shoelace. At the very least, he’s probably going to have to change his plea after that.
They changed their plea. They apologized via email. They even called to apologize (not to me), and even sent out flowers to apologize (again, not to me, though I’m sure they brightened up the “Wait Wait” offices).
I’m not surprised that the bulk of the apologies went to the show and not to the guy who’d actually been wronged. After all, I’m just an individual. And as I’ve said, I can’t exactly deprive this hotel of my future business, because I’ve never actually given them any of my business in the past. In effect, all that had happened was that they’d somewhat illegally “borrowed” 500 bucks for a couple of weeks, and then I spent several hours of my life fighting to get them to pay me back.
Maybe it’s because I’m walking the picket lines these days, so corporate malfeasance and greed is very much on my mind. But this seems like a symptom of a new low in corporate America. At least in the WGA strike, the big media companies are maintaining their traditional role - the history of Hollywood, if you read it, is all about studios raping talent, from the old abusive and occasionally violent pre- and early-union times to these modern days of creative accounting and PR wars. In some ways, we writers and actors and directors would be insulted if the studios weren’t trying to screw us. Aren’t we still attractive to them?
But hotels? The service industry, wherein all business depends on, well, serving? If they no longer have to be reasonable with their customers then we’ve truly entered a new age. The business is always right; the customer is a necessary evil. I know, that sounds kind of melodramatic. It’s been a rough week, what with the strike and the impending baby and Horatio’s frequent out-of-town business tri— hey, wait a minute…





44 comments
YLlama
December 16, 2007 at 3:53 pm
1A couple of years ago, I booked a hotel room in Vancouver, B.C., in part so I wouldn’t have to drive the eight plus hours home after seeing Radiohead at UBC. Silly me, thinking sleep was something done at a hotel. Apparently, this hotel was situated on the skirts of Vancouver’s red light district. Which meant it was used by filthy people to do filthy things to each other. All of that would have been fine–I’m a heavy sleeper, and not at all a stranger to lying down amongst sticky substances–except for the all-night karaoke bar on the ground floor of the hotel. At which someone decided to shout, in oversized Mickey Mouse voices, every song in Madonna’s catalogue. Until about dawn.
Now, we had already booked the hotel for a second night so that we could explore Vancouver. When we went to check out in the morning, having maybe slept thirty four seconds, we politely asked to cancel our reservation, explaining that we weren’t anticipating a sonic vibrating bed. The gentleman behind the bullet proof glass was less polite in informing us that the hotel’s cancellation policy was such that, absent a written directive a full twenty-four hours prior to check-in time, we were going to be charged in full for the room. This from a red light district hotel, which rents primarily by the hour or by the week.
After wrangling with the day manager briefly, then driving home exhausted, we eventually managed to sic our credit card company on the hotel. I believe we still ended up paying for the night we actually spent, but not the second night. Not exactly justice, but better than nothing.
Morals (1) find out where a hotel is really located before making reservations; (2) never trust Expedia’s three star designation; and (3) the “service industry” designation doesn’t mean squat.
Suzanne
December 16, 2007 at 4:06 pm
2dude, why didn’t you just file a “denial of charge” complaint to your credit card company and let them deal with it? just askin’…
Adam Felber
December 16, 2007 at 5:15 pm
3Suzanne -
Thought about, looked into it, determined that this way was easier and faster, believe it or not.
At least in talking to the biller, I was able to bring in the third party named in the charge (Wait Wait). Also, i knew this wasn’t “Wait Wait’s” fault, and didn’t want my credit card company taking action against THEM for charging something in my name, which was the hotel’s claim…
Arrgh, right?
Dave von Ebers
December 16, 2007 at 7:14 pm
4Adam. Swear to God it wasn’t me. I mean, I don’t even know your credit card number. And even if I had it written down somewhere, my office’s a mess. No way I could have found it.
So it wasn’t me. But ya know, that Sagal’s a shady fellow …
cooper
December 16, 2007 at 8:10 pm
5Not to be ratting out a fellow Tar Heel, but I’d be keeping a close watch on Carl Kassel, especially in he’s ever right behind you in line to pay for lunch. He’s tall enough to look right over your shoulder and use that photographic memory of his to steal your credit card number. If it were me in that situation, I’d use cash. Trust me, it’s the nice, avuncular southerns that wind up having the most twisted sense of humor. I wouldn’t put it past him to pull you through the wringer like that and think it was great fun.
hedera
December 16, 2007 at 8:16 pm
6You may have already thought of this, Adam - but in your shoes I would immediately go to my bank or whoever issued the card, and ask them to issue a new credit card and cancel the old one. Since I don’t run a balance, that’s all I’d have to do; if you do run a balance you’d also have to get them to transfer your balance to the new card. Less, of course, any charges to the rat-trap in Chicago. I would also, quite frankly, file a fraud alert with the 3 credit companies and if possible freeze your credit. Good luck with this. Your credit card issuer ought to support you in this, as they don’t want to have to eat any fraudulent charges either.
ian g
December 16, 2007 at 10:01 pm
7Adam, sounds like a very rough ordeal. I agree with hedera that you might want to cancel the card. From what I’ve heard you might have to tell them you “lost it” in order to get a new number.
Good luck
Doc
December 17, 2007 at 5:27 am
8Seriously, if this was easier than having your CC company deal with it, you need new a new CC company.
I happen to use Citibank. I’ve had my number stolen more than once over the past decade. Generally, one of two things happens:
1) I notice a bogus charge. I call them. 5 minutes later, the charge is “suspended” (i.e. I don’t have to pay it yet). They send me (USPS) a 1-page form to fill out (5 minutes) and get notarized (on my way to work). I return form (USPS). Merchant must then show proof/evidence that the charge is legit, or reverse it. Depending on the nature of the complaint, they willl close the account and re-issue new cards to me immediately.
2) Citibank notices “unusual activity” and calls me. I either confirm the expense, or deny it. If I deny it, they close the account and re-issue me new cards immediately.
If your number is floating around out there, leaving it open is an invitation for trouble.
Oh, it’s also worth noting that when the CC company forcibly reverses the charge (yes, they are allowed to do this, it’s in the merchant agreement), they hit the merchant in question with some penalty fees. It’s a much more effective way of getting the merchants to care about fraud than writing a letter to the hotel.
Steve
December 17, 2007 at 6:32 am
9I confess. It was my cats, Mimi and MacTavish. They always stay in separate rooms when traveling. “Princess” and “Presidential” Suites when available.
Odd they’d use your credit card. . . they usually use mine.
I hope they didn’t charge any kitty porn.
NB
December 17, 2007 at 6:43 am
10I got a collection notice a few years ago on a card I never took out and never knew about. It wasn’t even in my name, but it was my social security number.
*APITOL ONE (I want to protect their name, after all) not only wouldn’t send me the form to cancel the card without a fight, but actually accused me of negligence in protecting my identity - when they were the ones who issued a card to a name that didn’t match a social security number that didn’t match an address. (the real kicker, btw, is that I’d applied for one of their cards the year before and was denied because I “hadn’t had credit long enough”) I finally got everything taken care of, the collection agency dropped the case, and the reporting agencies took it off my credit report.
However, every few months, CAPITOL *NE would send off the claim to a different collection agency, with no warning that it had been considered stolen and the claim rejected by prior agencies. I had to get the whole packet of forms and reports and letters copied and re-notarized every time, and CAP*TOL ONE refused to send confirmation that they cancelled the card. I finally got a lawyer involved. One letter, and I haven’t heard from anyone in a year.
I was informed by the sheriff’s department that CAPITOL O*E is well-known as being the worst credit card company to deal with when it comes to fraud. I know that I’ve taken great pains to conceal the identity of the company involved, but it’s important to protect the reputations of the innocent. Oh, wait…
Sorry Adam… isn’t it kind of sad when you need to celebrate yet another fraudulent charge on your card, just because it backs up your position. Hopefully your first choice for Chicago hotel won’t be booked up again!
sharon
December 17, 2007 at 7:32 am
11I agree–notify the credit card company and have them cancel the card and issue a new one. Someone has your number, literally. This happened to me a few years ago with an Amex card. I used it at a local restaurant, and a few days later I had a call from Amex asking me if I had purchased a $300 video game online. There was another purchase or two, but I can’t recall what they were. Those clever Amex computers flagged these purchases as outside my usual spending habits. Pretty smart. They canceled the card, sent me a new one, and of course canceled the charges. I had to fill out a short form, swearing that I hadn’t loaned the card to anyone, that it was still in my possession, etc.
Landis
December 17, 2007 at 9:17 am
12I *just* got through a similar experience myself. I stayed at a motel back in September. Got a bill for the two nights stay on my September statement. Then got the same bill on my October statement. Luckily I’ve been using Quicken to keep track of things or I probably wouldn’t have noticed it.
A number of calls to the motel, a fax of my statements with a letter, and although the employees I talked to all said that it should have been taken care of, two months later and it still wasn’t reversed.
I called the credit card (BofA) and told them this. I was told that if I tried to contact the merchant, that was all I had to do. They then reversed the charges as well as the finance charges. Now I’m told that unless the merchant files all the appropriate paperwork proving that I was there for all the times I was billed, I don’t need to do anything else.
Easy peasy (I hope).
ginny
December 17, 2007 at 9:19 am
13Here, let me put on my “corporate travel” tinfoil hat. Please note the attractive and extremely well-known logo. Ta da!
It amuses me no end that you had problems with Tub Mortars. A colleague of mine in the office has dealings with them almost every day, as they’re the official hotel of the particular business travel account she handles. They’re generally pretty good to deal with, but they’re VERY fussy about the documentation when someone’s stay is to be “direct billed” to a third party card. So it’s pretty ironic that they charged you in the first place, without also requiring a fingerprint, a retinal scan, and a DNA swab.
Glad you got it worked out in the end, sorry you had to flail helplessly for a bit. It’s possible that your credit card number mistakenly got attached to someone else’s “frequent guest” profile due to a data entry problem - what name did they say all these bookings were under?
As long as it wasn’t “Horatio Felber,” that is.
Ann
December 17, 2007 at 11:03 am
14I just wonder how often Adam got soaked with phony charges before he acquired a wife to actually look at credit card statements. We missed our opportunity, gang!
SpottedDog
December 17, 2007 at 11:16 am
15I work in the credit card division of one of the large, national banks. I agree with everyone else. If you can deal with the inconvenience of being without the use of your card for the time it takes the post office to deliver your new one (we estimate up to ten days, though it ’tis the season) give them a call and request one. If ten days is too long ask about rush delivery. There may be a fee, but you will regret not getting the new card if this happens again. The company should be thrilled to issue you a new card to prevent possible fraud. (You aren’t responsible for fraudulent charges, if reported in a timely manner, and they don’t want to be either.)
If it happens again I would also encourage you to dispute the charge directly with the bank. The bank prefers that you deal with the merchant, both to give the merchant a chance to do the right thing and fix their error and because people often don’t remember or recognize charges when they appear on their bill, a problem easily fixed with the right call. Realize though that there is so much fraud out there the banks have had to make the dispute process as easy and efficient as possible both for customer service reasons and to reduce processing costs.
Since starting this job I’ve gone back to carrying a reserve of cash. I use my card constantly, but there is no telling when your card may be blocked due to a transaction that causes a red flag in the fraud detection system (for no apparent reason) or an oversight in managing the account (I know I paid that bill…) or bank error (misplaced payment, coding error…). I’ve heard many distressing stories.
I could go on and on about credit cards. For such a simple thing it can be fascinating. The system is robust, but it is very easy to cause problems.
Oh, and don’t forget to acknowledge your wife for spotting the problem. Many people pay charges, often in small amounts, that are not legitimate. Always review your bill and question everything, even that charge for $1.36 (50,000 people at $1.36 each adds up, and the bank gets its cut from each of those transactions in the form of a fee to the ‘merchant’.)
Thanks for the opportunity to talk about this. I rarely find a venue for talking shop. The eyes tend to glaze over.
piglet
December 17, 2007 at 11:50 am
16NB, I guess the moral of your story is: don’t trust a bank whose ads feature marauding Vikings with British accents and Russian names.
That’s a lesson we could all live by.
Sharon
December 17, 2007 at 1:33 pm
17“there is no telling when your card may be blocked due to a transaction that causes a red flag in the fraud detection system (for no apparent reason) or an oversight in managing the account (I know I paid that bill…) or bank error (misplaced payment, coding error…).”
Then there are the errors where 25,000 card holders’ account numbers are “compromised” due to some mysterious data processing error that they never really explain. I went to the hardware store last year and tried to use my debit card, which I had just checked the balance on right before I went to the store. Many phone calls ensued. The card had been blocked because a whole bunch of card numbers had been compromised. The bank promptly sent me a new card with a new number, but I still let them know that it was a pretty awful experience finding out about it this way instead of by a letter from them directly.
And on a lighter note…. Joe LIEberman (Independent {cough,cough}-CT) has endorsed John McCain for president. To think that this man could have become our Vice President… or is he gearing up for another run at the VP office?
Dale
December 17, 2007 at 2:05 pm
18Calling the hotel and trying to work it out directly–ha ha. Silly Democrat, that’s what you get for trying to negotiate with the enemy.
dee
December 17, 2007 at 3:02 pm
19Sharon — same thing happened to me with my debit card about two years ago, on a Sunday morning at the gas station. Thank lobster I had cash! I called the bank first thing Monday morning and was told about the “compromise.” I told them a little heads up over the phone would have been appreciated. Instead, I got a letter three days after I got the new card.
I was just happy as a clam to hear mention of Horatio. Adam hadn’t written about him in a while and I’m concerned about how he will adjust to the b-a-b-y, although most cats welcome all those nifty new places to sleep. You may need to get him his own bassinet.
Boomer
December 17, 2007 at 3:49 pm
20Zzzzzzzzzzz……Zzzzzzzzzz…I’m sorry SpottedDog. Did you say something?
Mojo
December 17, 2007 at 6:20 pm
21Just to make the story more interesting, shouldn’t you tell us what the numbers in the credit card number Tub Mortars used rhyme with?
sharon
December 17, 2007 at 7:12 pm
22Dee, sounds like our banks use the same cc clearing house!
Dave von Ebers
December 17, 2007 at 7:15 pm
23Okay, this is completely off topic, though it does involve theft, after fashion.
What’s this I hear about Leno and Conan airing new shows come Jan. 2, even if the writers’ strike hasn’t been resolved? WTF? Strike breaking? Not that I watch Leno or Conan … I’m a Letterman fan from way back; still, you’d think these guys would have the guts to stick it out.
And what’s Mighty Max Weinberg gonna tell the Boss if he’s gotta cross the picket line to play on Conan’s show, huh? That’s what I wanna know.
David
December 17, 2007 at 7:39 pm
24Liarman has actually always danced with the dark side on foreign policy (think Reagan’s Contra war of terrorism and assorted third-party military aggression against the sovereign nation of Nicaragua, which did nothing to the US, which Joltin’ Joe thought was a nifty idea). Now he’s simply gone over to the looney side, what with the devil on his right shoulder running roughshod over the angel on his left shoulder. Josh Marshall has posted a pretty good take on what a sad spectacle Lieberman has become. I swear to Lobster orthodox anything is bad (luckily, Pastafarians are resolutely unorthodox, as are Crustaceanists).
Leno is no surprise. The guy is over there with Glenn Beck at this point, isn’t he? Conan is a bit of a surprise.
SeattleTammy
December 17, 2007 at 8:21 pm
25I’ve become so blase’ about denied credit cards. We’ve had them turned down because the Credit Card Company Almighty noticed that the customer had bought BOOKS! from bookstores in 4 different states. On. The. Same. Day.
That must be fraudulent!
gillian
December 17, 2007 at 8:27 pm
26What? There’s trouble with Hillary? Say it ain’t so…
http://www.salon.com/comics/tomo/2007/12/17/tomo/
SeattleDan
December 17, 2007 at 8:30 pm
27We had our checking account thieved a few years back. The Bank was very good about it (though in changing the account numbers Bank Manager I.M. Dipshit, supporter of our Iraq incursion, threatened Tammy, telling her, “I’ll do business with peace-loving hippies like you. Ain’t America great?”) and reveresed the charges. It was a hassle, though.
We filed a police report, but with no money or time, the SPD wasn’t about to investigate. However, Tammy did, as the Bank gave us the merchants that had accepted the cards (and if a charge is authorized at the time of purchase, us merchants have to believe it’s ok). One of those merchants, and where the line ended for the thieves, was a jewelry shop here in Seattle. Tammy called the shop and talked to the clerk, who remembered the failed transaction well. The thief was a well-dressed African-American. Those of you have met me will know I am neither.
It's Pat!
December 18, 2007 at 10:25 am
28SeattleDan -
Wait! Wait! Don’t tell me!
You aren’t a thief or well-dressed, but you are African-American?
Or you aren’t well-dressed or African American, but you are a thief?
Adam, this might be your guy right here. I would have SpottedDog check into this right away if I were you.
Ann
December 18, 2007 at 2:35 pm
29Pat, I can confirm that Dan does not appear to be African-American, and I would describe his public wardrobe as “professorial.”
Just to digress, how did the clerk know that the thief wasn’t African-Canadian? I’ve never trusted the Canadians.
Pope Benny 16
December 18, 2007 at 4:38 pm
30Did you hear der news? Franco Zeffirelli wants to be my media consultant! …No really! …Look, I’m the Pope, you have to believe me!! Anyway, he was der director of der film “Romeo and Juliet”. I remember when it came out in 1968 with Leonard Whiting, Olivia Hussey, und John McEnery. Heinrich called from Stockholm der first night it was released und insisted that I go see it. “Mach schnell, mach schnell”, he said. Heinrich was always such a romantic. Mr. Zeffirelli said over der phone that I should quit wearing all those frilly robes, und silly hats, und Gott im himmel, lose der red slippers! He also told me to get rid of that rrrrridiculous German accent. He swears he can help with this. I’ll meet him soon! I’m so excited!!!!
BTW, I met with King Abdullah from Saudi Arabia on Tuesday, which was a first for me. I was a little concerned about this meeting. Earlier in der year (after a few snorts of communion wine, I must admit), I made some sort of wisecrack comment about der Muslim faith. Well, Al Qaeda’s second-in-command, Ayman al-Zawahri, put out a tape today blasting me for this “inter-religious dialog” und promised a quick and merciless retribution for this affront, yada, yada, yada! Okay, today I just asked der King to look into all this 5 times a day praying thingie that der Muslims do, because it was making even me look like a prayer slacker. Our translator said der King’s reply was either “Sure, no problem” or “I’M GOING TO CUT YOUR HEAD OFF!!! Father Lucas, our translator, said that Arabic is not one of his “A” languages und he’d have to listen to der tape again, paying close attention to der context und der inflection. Whatever…
SeattleDan
December 18, 2007 at 8:20 pm
31Ok, I’m a well-dressed,professorial looking, Afro-Canadian, who thought that Adam wanted me to use his credit card, not just for the seedy Chicago hotel, but also for the 1,000 copies of Schrodinger’s Ball that I was supposed to distribute to the homeless on the streets of Seattle. Is that really a crime?
sharon
December 19, 2007 at 12:21 am
32Woo hoo!! The Danbury Fair Mall achieves BoingBoing fame!
I’d link to the story in the News-Times, but they don’t last more than a day or two.
http://www.boingboing.net/2007/12/18/woman-gropes-mall-sa.html
Zee Man
December 19, 2007 at 3:59 am
33Myself, I never trusted the Canadiennes. But then, I couldn’t understand a word they said. Maybe that’s it.
Sue
December 19, 2007 at 7:51 am
34SeattleDan,
May I say “yee” and also “haw” (I’ll steal from Charlie Pearce every chance I get!) - I am hereby defaulting on my mortgage - it’s the latest thing and all the bright young people are doing it - and moving across the country for a copy of Adam’s book!
But what were you and a cat doing in a Chicago hotel room?
Never mind - I’m probably way too young to know.
Susie
December 19, 2007 at 8:00 am
35I love this line, “It had the same effect as a murder suspect on the stand leaning over and strangling the judge with a shoelace. At the very least, he’s probably going to have to change his plea after that.”
Joe Herten
December 20, 2007 at 8:46 am
36Dear Adam: when a merchant puts charges on your credit card account, and they don’t want to be reasonable, you can contact your bank and tell them the charges are fraudulent.
Of course, pursuing that avenue doesn’t make for an exciting blog entry but, it does work ( it will take longer) I don’t know if you carry Visa or Mastercard, or American Express but I’ve found AE is pretty good about ironing out this kind of bs with merchants. ( Except one time America Online screwed me out of $21.95 and American Express refused to help at all on that! )
Murray
December 22, 2007 at 1:20 pm
37When some one fraudulently uses your card, you are usually protected.
But not the merchant!
Most people think that the CC companies take the hit. No way. Two years ago I got an operator assisted call (so that I couldn’t hear him or tell that he wasn’t English speaking) ordering 6 bikes for an orphanage in Ohio. The card went through. Long story short. The credit card company back charged me $3600. It was a bogus charge and I was libel because I didn’t have a signature on the receipt. I do much of my work over the phone. I went over all the materials I received when I got the account and no where did it say I had to cover these kind of problems. This was a costly lesson for such a small business.
One of the reasons that the CC companies got such a sweetheart deal 2 years ago with the redoing bankruptcy laws was that they pleaded that they lost so much money to fraud. Well that’s just another lie. The merely screw the vendor. (And collect 25% interest on your outstanding balance).
I get an average of 3 bank card offers a day, the majority of my mail comes from bank and investment businesses. They clutter my mail and make it difficult to tell their crap from real business. With each offer comes the chance that someone will intercept it and commit identity fraud. They create the problem and pass the mess to the shop owner.
David
December 22, 2007 at 8:47 pm
38It will be a cold day in hell when credit card companies do anything but roll in a shitpile of $$, and an even colder day when they get the short end of the stick. They’re like tobacco companies, big pharma, and arms manufacturers - they always win.
hedera
December 23, 2007 at 8:57 pm
39Murray, as a matter of fact you can opt out of those bank card offers. I did it, and the only “you are pre-approved” offers we get now come through our frequent flyer accounts, which I have to admit are pre-existing business relationships.
Go to http://www.optoutprescreen.com/ and take a look, it actually worked for me. You can also call 1-888-5-OPTOUT.
t.a. barnhart
December 24, 2007 at 11:55 pm
40impending babies are cute, but we opted for a couple of boys instead.
badda.
boom.
Murray
December 25, 2007 at 10:29 am
41Thanks hedera, I signed up to stop the mail. I just hope that it wasn’t a phishing site, or I’m screwed.
cooper
December 25, 2007 at 10:35 am
42Good work, Murray. I’ll wait a week or so, see if you’re still fiscally solvent and, if you are, I’ll give it a try myself. What a pal you are, Murray.
Murray
December 26, 2007 at 3:19 pm
43Always glad to help out Coop.
Deborah
December 26, 2007 at 10:53 pm
44I opted out of “pre-approved” credit card offers about 12 weeks ago and it has cut the number of offers I receive by at least half a recycling bin per week.