>>>Honey and corporate etiquette won't help, though, if you don't write your credit card company within 60 days after the faulty bill was sent to you. It's critical that card customers meet the deadline required by the Fair Credit Billing Act. Don't mean to change the topic of your thread, but when I saw this it reminded me of CapitalOne. A while back, some of you may remember the Cyberrebate catastrophe. Well I had ordered some magazine subscriptions and when they closed up shop I still had not received them, and at that point wasn't sure if I was gonna receive them or not. Anyway, I waited the 16 weeks for the subscriptions to begin and received nothing. Then I contacted CapOne, thinking I know you have 60 days, but what the heck, the worst they can say is no. This was 4 months after the items had been billed and they STILL took care of the charges and credited me back the $70 plus dollars. That's one of the reason I like CapitalOne! But anyway, back to the article.. it had lotsa good tips in there! Thanks for sharing! Ozzy.
Ozzyburger, I was another Cyberrebate victim who was reimbursed by Capital One. I'd purchased the "free after rebate" "retro radio" for $79. I had to speak with Ms. Tonie Allen in the Cap One disputes dept., and she had me go through a few hoops including a good faith attempt to return the merchandise (which was refused, incidentally, so I got to keep the radio, lol). Finally a permanent credit was issued to my card. Ozzyburger, are you familiar with the "Cyberrebate Recovery Alliance" message board here?... http://communities.msn.com/Cyberreb.../general.msnw?action=get_threads&all_topics=1 From reading that board, it looks like Capital One was the most consumer-friendly credit card issuer of them all. Both American Express and Discover look like they were the least consumer-oriented and had to be taken to small claims court in order to cover any losses. Capital One's position was that "the rebate was an integral part of the original transaction" -- hence "Cyberrebate" -- and Ms. Allen asked me one simple question: "Would you have purchased the item had it not been for the 'free after rebate' pledge?" Needless to say I answered truthfully: "No, I would not have." That was the point where Ms. Allen had me fill out a form and attempt to return the item. Irrespective of anyone's position regarding Cyberrebate (and that's certainly open to debate), what's interesting is just how willing Capital One was in this situation to "side" with their customers when other major card issuers were not so accommodating. This experience has really reinforced my goodwill toward Capital One. No matter how "prime" my credit ever gets, I'll always carry a Cap One card (even if they don't report credit limits!). Doc
