Passes NOT a good deal...

[pixiewings71]

Went to my Credit Union and had to pay the 120.00 in fees.. We have never had a overdrft so I guess my credit union is not one that "forgives". I will now be contacting Disney to let them know how unhappy I am with the mistake they made...

This is definitely not right. I don't have any extra overdraft protection on my account either but I can still ask for a forgiveness if it's been a year since my last one. Heck, many times my cu just forgives it before I can even ask. I would go higher than the branch manager, I know my cu has multiple branches so I would have no problems going higher up if I needed to. Did you have the supporting docs? I know I received a copy of my agreement via email.

Please, keep us updated. I'd like to hear what Disney has to say.

 

[NStramler]

You bought two tickets but commented that you have four overdraft charges. Did Disney charge you in four chunks? Were the overdraft charges directly associated with the Disney debits or were they associated with transactions made following the Disney purchase when you were expecting there to still be money in the account? Were the overdrafts all on the same day or spread out over time? If they were an immediate result of the Disney debits and/or all the same day of the Disney transaction, I agree that you should be able to push the credit union more to get those fees waived. If they were overdraft charges made simply because you expected the money to be there, then, yes, Disney definitely messed you up, but you should probably be arguing for reimbursement from Disney not the credit union.

The overdrafts were becuse Disney took out the 998 instead of the payment. Yes, I thought there was money in the account (and there should have been)... In no way was it the credit unions fault, it was all because of Disney taking the full amount. I am just grateful the credit union paid them.. can you imagine the mess if they had returned the 4? I am arguing with Disney.. it would have been nice if the Credit Union had reversed the charges but it was not their fault.. this is all because of Disney.. if they had not taken the 998 out I would not have had any overdraft charges.. we shall see what they do but I am almost positive it will be nothing..

 

[longtimedisneylurker]

The overdrafts were becuse Disney took out the 998 instead of the payment. Yes, I thought there was money in the account (and there should have been)... In no way was it the credit unions fault, it was all because of Disney taking the full amount. I am just grateful the credit union paid them.. can you imagine the mess if they had returned the 4? I am arguing with Disney.. it would have been nice if the Credit Union had reversed the charges but it was not their fault.. this is all because of Disney.. if they had not taken the 998 out I would not have had any overdraft charges.. we shall see what they do but I am almost positive it will be nothing..

Yeah, really stinks. You're going to have to push a lot harder with Disney than with your credit union, and it sounds like you didn't get far with the CU. I think if you can produce some sort of Disney documentation as proof that it was their error, that might get you further with the credit union. Doesn't sound like your CU goes overboard in the customer service department, because if they did they might at least have been willing to waive one or two of those fees without documentation.

 

[Disneyanajc]

I did talk to the branch manager.. she basically said it is Disneys responsibility to cover the charges.. I called Disney and was transfered 4 times.. now they will call me back.. This sure takes the "magic" out of Disney for me.. Something tells me I am just flat out stuck paying that 120.00...

You need to go higher up in the chain of command of your CU. The CU is not right in saying it's Disney's responsibility to cover the charge, it is YOUR account, that is why you get the OC. You need to take the "print out" of the transaction with Disney to your CU to get the charges reversed. And you need to follow through with Disney to get the money reversed and put you on the payment plan. Mistakes happen all the time, but if you have your printed receipt, you have the power to get this strighted out.
Hope this all works out for you, don't let it stop the magic.

 

[Zbugz]

Can you talk to your bank from the angle that these were unauthorized charges? (You only authorized $xx and Disney charged $xxx.) Disney should reverse the charges over and above the initial payment, too. The bank should forgive the fees because they processed an unauthorized charge. Don't give up or give in!

 

[3Minnies1Mickey]

The overdrafts were becuse Disney took out the 998 instead of the payment. Yes, I thought there was money in the account (and there should have been)... In no way was it the credit unions fault, it was all because of Disney taking the full amount. I am just grateful the credit union paid them.. can you imagine the mess if they had returned the 4? I am arguing with Disney.. it would have been nice if the Credit Union had reversed the charges but it was not their fault.. this is all because of Disney.. if they had not taken the 998 out I would not have had any overdraft charges.. we shall see what they do but I am almost positive it will be nothing..

Can you dispute the Disney charges? They should reverse the charges until they can get it settled. You have proof that you didn't authorize the 2 $499 charges, you only authorized the two $80 down payments.

You need to go higher up in the chain of command of your CU. The CU is not right in saying it's Disney's responsibility to cover the charge, it is YOUR account, that is why you get the OC. You need to take the "print out" of the transaction with Disney to your CU to get the charges reversed. And you need to follow through with Disney to get the money reversed and put you on the payment plan. Mistakes happen all the time, but if you have your printed receipt, you have the power to get this strighted out.
Hope this all works out for you, don't let it stop the magic.

Technically it is Disney's responsibility to reimburse OP since it was their error, BUT its ridiculous they couldn't do ANYTHING. Including disputing the unauthorized charges.

 

[jenergy]

you need to go higher up in the chain of command of your cu. The cu is not right in saying it's disney's responsibility to cover the charge, it is your account, that is why you get the oc. You need to take the "print out" of the transaction with disney to your cu to get the charges reversed. And you need to follow through with disney to get the money reversed and put you on the payment plan. Mistakes happen all the time, but if you have your printed receipt, you have the power to get this strighted out.
Hope this all works out for you, don't let it stop the magic.

x1000

 

[Disney Dreams]

The overdrafts were becuse Disney took out the 998 instead of the payment. Yes, I thought there was money in the account (and there should have been)... In no way was it the credit unions fault, it was all because of Disney taking the full amount....

If you indeed purchased the payment plan, you credit union should not have allowed Disney to take the $998 because that is not what you authorized.

I ordered 2 of the 499 passes... I now have 4 overdraft charges becase Disney charged the whole 998.00...

Why are there four overdraft charges if you ordered two passes?

Went to my Credit Union and had to pay the 120.00 in fees.. I will now be contacting Disney to let them know how unhappy I am with the mistake they made...

Again, missing why it's $120 and not $60. ???

Disney either made an error or you did not select the payment plan. Do you have a printout of your transaction?

...This sure takes the "magic" out of Disney for me.. Something tells me I am just flat out stuck paying that 120.00...

Okay, take a deep breath. You had a business transaction with a very large company. Something was either mistakenly processed wrong or selected wrong during the transaction on-line. It has nothing to do with the "magic." You need to separate those. Disney is a company. You entered into a business transaction with them. Something went awry. Now you have to stay on it to find out what. Why would you so quickly decide you are stuck paying $120? If you selected a payment plan, you should have a payment plan. You are entitled to the "product" you bought. If you indeed selected the payment plan, then you were given the wrong "product" by being charged the entire balance upfront. And that resulted in bank fees. If indeed you selected everything correctly for an AP via payment plan, then you need to stay on Disney until you receive the product you indicated you wanted to purchase and have them remedy any problems that arose from them giving you the wrong product.

Do you have a printout?

- Dreams

 

[Jacie]

If you go in and tell your bank that the charges on your account were not authorized (in this case, they were not) they HAVE to file a claim for you to get ALL of your money back- The $499 x 2 and the OD charges. All purchases and charges made with a Visa card are guaranteed against fraudulent and unauthorized activity on your account.

 

[MomToOne]

Why are there four overdraft charges if you ordered two passes?

I am presuming that the Disney charges didn't overdraft, but because the OPs account was then depleted more than it was supposed to be by those charges, 4 subsequent charges/checks did.

 

[darph nader]

Check with your bank to see what's goin on. We get people at work who check their accounts online 2 minutes after the transaction and claim we 'double' charged them. Must be some new banking/credit card thing.

 

[NStramler]

I am presuming that the Disney charges didn't overdraft, but because the OPs account was then depleted more than it was supposed to be by those charges, 4 subsequent charges/checks did.

Yes... you are right!!! The Disney charge cleared in full (that is what caused the problem) making 4 other transactions get charged the $30.00 fee (4 x 30 = 120). This has given me a giant headache... As of now.. I paid the charges.. still waiting for the call from Disney... I have also now signed up for online banking so I will be watching every transaction like a hawk.. Still saying a prayer that Disney does something but they are so large that the average "Joe" gets forgotten about... Guess I am in a pity party mood.. that was a lot of money to waste!

 

[Disney Dreams]

I am presuming that the Disney charges didn't overdraft, but because the OPs account was then depleted more than it was supposed to be by those charges, 4 subsequent charges/checks did.

Yes... you are right!!! The Disney charge cleared in full (that is what caused the problem) making 4 other transactions get charged the $30.00 fee (4 x 30 = 120).

AH! That's makes sense. Thank you both.

Okay, so, NStramler, did you see my input on post 28? Trying to help you.

Still saying a prayer that Disney does something but they are so large that the average "Joe" gets forgotten about... Guess I am in a pity party mood.. that was a lot of money to waste!

Again, do you have a printout of your transaction? If you did indeed select to make monthly payments, then that is what you agreed to with Disney and you need to make sure that they fix it. If you did not select monthly payments and it was just a mistake on your side, then it's done, learn from it, and move on. Disney will make things right if it's on them to do so AND if you hold them accountable. They don't go around charging people the wrong amounts on purpose.

We recently went away on an overnight trip. Upon returned we discovered the hotel charged us for two nights, one at the promotional rate and one at the rack rate. It was an error. I called and called and called and got it straightened out with them. It was just an error in their system where both rates were applied for one night each instead of one rate overriding the other. BUT... and my point... it had to be discovered before they could fix it.

Again, as I have posted elsewhere in this thread, somewhere there was an error. You need to work with Disney to find out where it happened.

- Dreams

 

[PinkBudgie]

What a mess. This is exactly the reason I don't use the debit card from my bank. If there is a mistake or the number is stolen, that money is GONE from my account until it gets straightened out. If I use a credit card, I can examine the charges BEFORE I pay and dispute anything that isn't right. In the meantime I still have my money. But we think of the CC as if it were a debit card. We buy something and in our minds that money is out of our account. Then we pay it all each month. If someone was really worried about overspending with a CC they could write down each charge as it happens like in a checkbook and deduct that amount from their account on paper. I just get annoyed when banks push their debit cards so much since clearly they don't all stand behind the customer when issues like this happen.

Good luck to you!

 

[Nox54]

I hope this gets cleared up for you.
Add my voice to the others who are surprised that you were able to prove your case and yet the credit union still showed no mercy. Heck, I'd expect that from a big bank (like the one I'm with!) far more than I would a credit union. crazy.

 

[southlake]

What a mess. This is exactly the reason I don't use the debit card from my bank. If there is a mistake or the number is stolen, that money is GONE from my account until it gets straightened out. If I use a credit card, I can examine the charges BEFORE I pay and dispute anything that isn't right.

THIS, THIS, AND THIS!!

I would never, ever use my debit card to process such a transaction. I use my debit card for gas & grocery only, because those generally aren't things I'm going to dispute/return in the future. I prefer to put returnable items and large purchases / travel purchases / tickets on credit for exactly this reason - if something goes awry, I'm not out the cash (in your case, $1000+) while you try to dispute it.

I agree with you, and disagree with others, that the CU should be expected to reverse your OD fees. The CU did their job and covered your account when it was in the negative. They didn't accidentally process 4 OD fees. DISNEY is the one who screwed up and owes you reimbursement for the OD fees. I think the CU has a leg to stand on because you didn't OD on the Disney charge, you legitimately overdrafted on other charges (albeit not your fault).

Good luck with this, I hope it gets sorted out for you. How incredibly frustrating and maddening.

 

[Disneyanajc]

Good luck.. I have a feeling that Disney honestly does not care... my passes are paid for .. in full.. and what a mess it has created. I know I set it up on the payment plan but I guess Disney decided differently.. I am just sick over this mess... $120.00 in overdraft fees...
This kind of takes the magic away doesn't it?

OP...knowing and having proof are two different things. You need the proof to help you through this problem. Your printed receipt will tell you how you set up buying the tickets, and the price you should have been charged.

 

[cmwade77]

THIS, THIS, AND THIS!!

I would never, ever use my debit card to process such a transaction. I use my debit card for gas & grocery only, because those generally aren't things I'm going to dispute/return in the future. I prefer to put returnable items and large purchases / travel purchases / tickets on credit for exactly this reason - if something goes awry, I'm not out the cash (in your case, $1000+) while you try to dispute it.

I agree with you, and disagree with others, that the CU should be expected to reverse your OD fees. The CU did their job and covered your account when it was in the negative. They didn't accidentally process 4 OD fees. DISNEY is the one who screwed up and owes you reimbursement for the OD fees. I think the CU has a leg to stand on because you didn't OD on the Disney charge, you legitimately overdrafted on other charges (albeit not your fault).

Good luck with this, I hope it gets sorted out for you. How incredibly frustrating and maddening.

I actually don't agree, you can end up with a mess of charges from traditional credit cards.

My recommendation is to use a prepaid card that has no monthly fees and no fees for adding money via direct deposit. You can usually deposit to these from your bank's website. Deposit just enough money to cover the appropriate monthly charges, then there is no way that they can take more money.

You are not out the money and don't end up with late fees and intrest charges that the credit card companies will find a way to charge you, even if you dispute some or all of the charges.


Now, as for what to do:

1. Print out ALL documentation that you have.
2. Call your bank and contest the charges.
3. Take that to the bank and speak with the bank manager, asking nicely to reverse the charges.
4. Call the Disneyland Resort and ask by name for the Vice President (You should be able to find this through a Google search). I say ask for vice president, as very few actually do this and you will usually get a better response.
5. Send an email to all Disney and Disneyland CEOs and copy the consumerist tip line at tips@consumerist.com

These steps should work with any company, you may sometimes skip the calling part; however, it has worked every time that I have had an issue. Be sure to be nice in all correspondence, but be firm about what you expect to be done.

For example in this instance, I think the following is reasonable to ask of Disney:

• They immediately refund all money
• They repay all overdraft fees that the bank refuses to refund
• They skip the first two monthly payments for the hassle that this has caused. After that they will deduct the monthly payment amount as agreed, meaning that your payments will not be higher, but they will eat the cost of the first two payments.
• They contact your bank and get them to erase allr ecords of there ever having been an overdraft charge, explaining that it was their fault and not yours.

Get all promises in writing though (email is acceptable, but a letter mailed to you would be preferred)

Just for the record, this happens a lot with the online system, which is why I will only renew in person now when doing the monthly payment plan.

 

[southlake]

I actually don't agree, you can end up with a mess of charges from traditional credit cards.

I've never had a "mess of charges" on my traditional credit cards. I pay my bill in full every month however, so I never pay interest or any other sort of fee on my credit card - at all. What would the "mess of charges" be that you're referring to? Certainly not as bad as ending up $1120 short of CASH out of your checking that you might need for food or gas, no? I'd take a charge on my credit card any day over $1,000+ in cash accidentally sucked out of my checking account!

You are not out the money and don't end up with late fees and intrest charges that the credit card companies will find a way to charge you, even if you dispute some or all of the charges.

This is incorrect. When you dispute a charge on a credit card, you do not owe payment on the charge while it is in dispute. You also do not owe interest on any charge that is separated by dispute. There is no late fee or interest charged on a disputed charge - which is why it's to a consumer's benefit to put purchases such as these on a credit card instead of a debit card.

 

[cmwade77]

I've never had a "mess of charges" on my traditional credit cards. I pay my bill in full every month however, so I never pay interest or any other sort of fee on my credit card - at all. What would the "mess of charges" be that you're referring to? Certainly not as bad as ending up $1120 short of CASH out of your checking that you might need for food or gas, no? I'd take a charge on my credit card any day over $1,000+ in cash accidentally sucked out of my checking account!



This is incorrect. When you dispute a charge on a credit card, you do not owe payment on the charge while it is in dispute. You also do not owe interest on any charge that is separated by dispute. There is no late fee or interest charged on a disputed charge - which is why it's to a consumer's benefit to put purchases such as these on a credit card instead of a debit card.

While this is supposed to be what happens, I have seen plenty of reports that they find ways around this.

I figure it is better to use a card that has only the necessary money on it, then I don't have to worry about it.

I also think we as a country overuse credit cards and need to get rid of them as a whole. They should truly only be used for emergencies and nothing else.