HELP!!! Why do these things always happen to me???

[TigrLvsPooh]

It does upset me, because I don't feel I made a mistake or did anything wrong. I posted this thread because I wanted help and advice... not ridicule.

 

[jgates]

TigrLvsPooh-

I would highly suggest calling Disney but please look at it from the opposite aspect. If you call immediately and inform them of the path this has taken, you will have (or make sure you have!) the opportunity to fax in the justified total for the problems you have had and the long distance, daily fees (won't see that in Wisconsin - consumer law won't allow it if no new checks), fax machine charge, etc. You are taking the initiative and have a justifiable request for reimbursement. If they come back 6 months later (and I don't know for sure, but if the charge is justified, they can probably come back at basically any time and reassess it) and charge it back to your account, it is long after the fact. I can just about bet they wil use the fact that you did not ask for your specific fees etc against you and you could be out the amount of the original tickets (which you actually owe), vs. the fees which they by then may not want to reimburse you. (Especially if you have to deal with someone who may take the viewpoint that you tried to scam them, as is happening in this thread). In the meantime, Disney has record of the passes and if they feel that they cannot obtain the money from you through normal channels, they could deactivate your cards also. It would be a nightmare to be trying to go into the parks with your card and have to try to fight this out with someone in line if they decide to deactivate your cards! Get it settled for peace of mind if nothing else!!

Regardless, norm around here for a bank if there is a dispute is to give you immediate but PROVISIONAL credit. You do have to file a paper dispute at the bank though. In other words the business still has time to respond to the dispute at which time, if found in their favor the funds could then be withdrawn again (the credit removed). All fee from the date of the error to date of recredit to your account are removed. So in our neck of the woods, you normally would not have any fee from it.

If you do make the phone call to a supervisor at the bank, all of those daily fees should be removed because of the situation being an error in posting - Consequently, you would be down to the reimbursement from Disney for the phone calls, fax and whatever time you would classify as having spent on the problem (if they will reimburse time). There should be no reason for the fees to remain, although a front line person would probably not be able to remove them - you would need the supervisor or department manager possibly.

I'm trying to find the info I used to have book marked on disputes to see if there is a time limitation, but have not yet been successful.

All just my opinion and a bunch of personal experience!!!

 

[jgates]

http://www.usa.visa.com/personal/secure_with_visa/zero_liability.html?it=il_/personal/cards/benefits/zero_liability.html

It doesn't indicate a time-frame for re-charging, but the more I think about it, through the credit portion of our program, we have never heard of a time frame where you cannot process the transaction - they lose authorization after about 5 business days so there is no guarantee funds are still there - but the transaction can still be processed late. (All my feeble memory and opinion here - ) I just don't want you to have any surprises later!!!!

PS - the above article is very interesting reading too.

 

[Efastpitch]

Originally posted by TigrLvsPooh
****UPDATE****

Much to our surprise Disney credited us back for BOTH transactions! I don't know if they meant to do it, or it was another error, but this is one I'm NOT going to complain about. The vouchers came in the mail, but no other letters or anything. So I guess our AP's are free this year.

In your own words you have defined stealing or taking something that is not rightfully yours. I quote: "I don't know if they meant to do it, or it was another error, but this is one I'm NOT going to complain about" end quote.

 

[Abra Cat]

If you're confident that Disney meant to give you the refund, wouldn't you rather call and know for sure, rather than tying up a significant amount of money waiting to see if they charge you?

Originally posted by TigrLvsPooh
I left the money in my checking account just in case they charge me again at some later date. I totally agree it's better to be safe than sorry. I certainly don't want my account to go into the negative again.

If they do charge me again will I be notified? Or could they just do it anytime they want? I guess I wasn't aware that they kept the account # in their system for long periods of time. That seems dangerous. I guess I should leave the money as a cushion for several months???

 

[claudia]

It does upset me, because I don't feel I made a mistake or did anything wrong. I posted this thread because I wanted help and advice... not ridicule.

Several of us have offered advice and help. Forget about what Disney did or didn't do. Get all of your information together, dates of charges, dates of errors, dates of double billing, dates of bank charges and phone bills that you have for making all the calls. Write everything down in a orderly fashion. Write a letter which you can fax or mail...and get on the phone one more time with your letter in hand and speak to someone about what is going on. Tell them exactly what has occurred and how you would like this resolved. Find out exactly what their intentions are in handling this problem. You must take care of this now to prevent further problems down the road. Yes, Disney did make a mistake, but you must resolve this as it is your debit card. You are not the only one this has ever happened to....it happens all the time, (not only with Disney), and no one deserves it and it is very upsetting. Forget about the boards, nothing will be resolved here. Get on the phone and handle your business, it is the only way you will get this issue taken care of.

 

[paladin]

I think you also should have a major issue with your bank. You said that they said they couldn't do anything - well they certainly can and should.

My husband and I use our debit cards all the time (and have for 6 years). While we have had very few problems with double billing, it has happened and when it did, I simply called the bank and disputed it and they put the money back in while it was being investigated.

If your bank can't or won't do this, you might want to look at getting a new bank.

 

[Lewski709]

Well stated Claudia.

 

[Teri Zolman]

I agree with everyone about getting everything together and talking to the bank. I was on the phone all day yesterday resolving my problem. Yeah the correct money in my accout this morning. I don't know whose problem it was. I must say the Manager was alot nicer than the bank was. I really think it was a bank error. I will keep a better check on this in the future. I hope this is resolved for you quickly.

 

[aladdinsgirl]

Originally posted by jgates
http://www.usa.visa.com/personal/secure_with_visa/zero_liability.html?it=il_/personal/cards/benefits/zero_liability.html

It doesn't indicate a time-frame for re-charging, but the more I think about it, through the credit portion of our program, we have never heard of a time frame where you cannot process the transaction - they lose authorization after about 5 business days so there is no guarantee funds are still there - but the transaction can still be processed late.

Just wanted to let you know, I work in accounts receivable/credit dept. I work every day with credit cards, authorizing, and actually charging the cards. Authorization numbers for Visa, Mastercard, and American Exp are good for 30 days, Discover cards are good for 60 days. So technically a company can authorize your card on Nov. 18, but not actually charge your card until Dec. 17. If this happens, there is a hold on your money, the money is not released until the card is charged. Also, a lot of times businesses will authorize more than the sale price just to be safe, if you are charging $100, you may be authorized for $200 and that money is tied up until the charge is processed. And finally, if the company finds there is a credit on your account that you did not deserve, they can reauthorize your card and charge it, or send you a bill at any time. At least that's what we do at my work. Hope things work out for you.

 

[TigrLvsPooh]

Just got off the phone with "ticket investigations". The lady I spoke with said my credits were not an error and my order was complete. I told her I had received the vouchers and she said "great then you're all set". They will not be charging me, case closed.

I wish I would have never posted this thread.

 

[Lewski709]

Clap....Clap....Clapppity Clap.......Classic Disney!!!!!!!


Enjoy your AP's!!!!!!!!!!!!!!

 

[claudia]

Just got off the phone with "ticket investigations". The lady I spoke with said my credits were not an error and my order was complete. I told her I had received the vouchers and she said "great then you're all set". They will not be charging me, case closed.

It must feel great to know that everything is resolved and there are no surprises to anticipate.....I'm glad you got it straightened out....enjoy thoses passes!

 

[Trekker]

I have to say that I'm rather disappointed in many of the responses to this thread. The OP was looking for advice and help NOT ACCUSATIONS. I have to agree that at some point big business must be responsible for thier own mistakes, consumers should not have to spend their money and time fixing businesses mistakes. (long distance calls, etc.)

In the future please refrain from making judgements on other posters, that is NOT what these boards are about.

I'm glad this has been resolved - this thread is now closed!