You Know What Really Grinds My Gears? Now with 3x more gears...

[Locke]

Originally Posted by GrrlGoalie33

Thanks man, I've beat it before and I'll beat it again!

Well thats not quite what I meant, I was thinking more along the lines of...if someone asks how you're doing then they should STFU and let you answer.

[fotze2]

Originally Posted by GrrlGoalie33

Thanks man, I've beat it before and I'll beat it again!

Fuhcking rights you will.

[White Out 403]

Originally Posted by GrrlGoalie33

I appreciate where people are coming from, but when you ask me how I'm doing during my cancer treatment, don't interrupt my shiort response to tell me you know how I'm feeling because you watched someone go through it.

You can empathize, but I can't even sympathize with other brain cancer patients because our situations are different.

The chemo fatique is so bad for me, by the time I've dressed, brushed my teeth, gone to the kitchen, made my breakfast and sat down in my chair, I feel like i've walked into a concrete wall and am ready to back to bed.

Like I said, I appreciate where people are coming from, but when I'm so fatigued, I'm ready to collapse and burst into tears, I can't handle your misguided sympathy.

Hoping your recovery is swift and complete, and best of luck with your symptoms in the meanwhile

[GrrlGoalie33]

Originally Posted by White Out 403

Hoping your recovery is swift and complete, and best of luck with your symptoms in the meanwhile

Thanks man, 11 more months of this stuff, and while it's doing its job, it's worth the crappy stuff!

[DoubleF]

Agent: "Oh, it's a subscription. So even though we cancelled and replaced the card, they can still migrate to the new card. We can't do much against subscriptions. You'll have to prove you tried to sort it out with the merchant and cancel the subscription before we escalate it to the senior fraud department."

Me: "I have never gotten a charge from these guys at all. It's a totally new name to the charges I contested earlier in the month and it started between when I cancelled the card and before I activated the new card. They charge weekly. That doesn't seem odd to you? I know I didn't subscribe to them. I don't have any info on the merchant, definitely nothing in my emails and when I try looking it up online, I get nothing."

Agent: "Let me look up their contact info for you in my data base.... Hmm... the first one has no phone number or email on file. I think that supports your claim of fraudulent charges... The second has an email of contact@(fraudulentmerchant).tech. You have to attempt to contact them to cancel the subscription before I can escalate. You'll have to email them, ask them to cancel the subscription and then call back. Sorry."



Sigh. I get it. Those are the rules, the agent's hands are tied. But this sucks. Especially since I have to pay the charges first and then they'll reverse the fraudulent foreign charges after the investigation. I'll do what needs to be done and then I'll call them back. But what the flying ####. I'm considering cancelling this card if they can't resolve this in a satisfactory and smooth manner. I've called in twice this month already. Apparently some of my other friends who have this credit card have also had compromised cards within the last 18 months. I found this out after ranting about it. How the #### does this happen? I've used this card for over a decade.

[AC]

^ Yup, I had my credit card data swiped at a gas station I'm pretty sure. Doordash orders in Montreal started rolling in and when I cancelled my card the replacement card was auto updated for the thief's account before I even received the replacement, and they kept making new orders. I cancelled again and asked CIBC to remove access to Doordash and it still happened twice more, including a monthly subscription that was one level deeper.

Doordash was hilariously unable to help, and it took CIBC 3 or 4 months to actually confirm my fraudulent charge claims. I was livid at how broken the system is that I can call in 3 times to say my card was being used specifically at Doordash and it took a 4th person to actually block the subscription.

[calgarygeologist]

^ I have my life insurance monthly fee charged to a credit card but that credit card expired over two years but they are still able to charge my new card with a different. The funny part is that I have called them a couple times to update my payment information to the new card number and expiration date because I am paranoid that a payment might not go through, my policy will be cancelled and I'll die without coverage but when they try to use the new info it doesn't work for some reason. It is really weird.

[DoubleF]

Originally Posted by AC

^ Yup, I had my credit card data swiped at a gas station I'm pretty sure. Doordash orders in Montreal started rolling in and when I cancelled my card the replacement card was auto updated for the thief's account before I even received the replacement, and they kept making new orders. I cancelled again and asked CIBC to remove access to Doordash and it still happened twice more, including a monthly subscription that was one level deeper.

Doordash was hilariously unable to help, and it took CIBC 3 or 4 months to actually confirm my fraudulent charge claims. I was livid at how broken the system is that I can call in 3 times to say my card was being used specifically at Doordash and it took a 4th person to actually block the subscription.

####. The credit company was indeed acquired by CIBC a few years ago.

Ugh.

[Locke]

Originally Posted by calgarygeologist

^ I have my life insurance monthly fee charged to a credit card but that credit card expired over two years but they are still able to charge my new card with a different. The funny part is that I have called them a couple times to update my payment information to the new card number and expiration date because I am paranoid that a payment might not go through, my policy will be cancelled and I'll die without coverage but when they try to use the new info it doesn't work for some reason. It is really weird.

Yeah, I took over as your Primary Beneficiary. You pay the premium but if anything happens to you I collect that sweet, sweet Insurance cash!

[bizaro86]

Originally Posted by Locke

Yeah, I took over as your Primary Beneficiary. You pay the premium but if anything happens to you I collect that sweet, sweet Insurance cash!

Sure, sure, IF something happens to him.

[calgarygeologist]

Originally Posted by Locke

Yeah, I took over as your Primary Beneficiary. You pay the premium but if anything happens to you I collect that sweet, sweet Insurance cash!

Thanks for the update. I'll cancel the policy now and save a few hundred dollars per year. Drinks on me this weekend with my new found savings.

[Locke]

Originally Posted by calgarygeologist

Thanks for the update. I'll cancel the policy now and save a few hundred dollars per year. Drinks on me this weekend with my new found savings.

Oh...you dont want to do that...I also took over as your wife's beneficiary and we wouldnt want anything to happen to her...now would we?

[FlamesAddiction]

I had a really bad experience with American Express over fraudulent charges. They stopped the fraudulent charges, but still expected me to pay the $1,800 that was already charged. I argued with them about it and thought it was ridiculous that they would agree enough that the charges were fraudulent enough to stop the automatic payments, but still expected me to pay the current amount. I had the card for several years and never missed a payment and was a good standing customer, but they were treating me with suspicion. I realize there was probably fine print in there that put me on the hook for it, but I felt offended.

In hindsight this was a foolish of me, but I decided out of principle that I wasn't going to pay. They sent it to collections and I told them to get bent. Now I have 5 derogatory remarks on my credit score that won't come off still for a couple of more years and it has impacted my life. We were rejected from moving into a really nice co-op because of it, which certainly wasn't worth standing my ground on for $1,800. I would have saved way more than that on rent and would have a much nicer place to live in. I should have just paid it knowing what I know now. My credit rating was perfect before that.


Now I check my credit every week. It's so important to stay diligent these days.

[Wormius]

^^^ Ooph. That’s a painful lesson.

[Jason14h]

In regards to your card being replaced and immediately updated online / subscriptions - it’s because of something called card tokenization

It’s fairly new and so that you don’t have to update all your real subscription when you get a new card

When ordering / replacing a fraudulent card they should know to use a new tokenization so it doesn’t happen. But most of the customer support doesn’t / are so use to the old process

Make sure to tell them you need a new card and explain it needs a new tokenization / reset in their system

[MoneyGuy]

Originally Posted by calgarygeologist

^ I have my life insurance monthly fee charged to a credit card but that credit card expired over two years but they are still able to charge my new card with a different. The funny part is that I have called them a couple times to update my payment information to the new card number and expiration date because I am paranoid that a payment might not go through, my policy will be cancelled and I'll die without coverage but when they try to use the new info it doesn't work for some reason. It is really weird.

Insurers provide a 30-day grace period on missed premiums.

[DoubleF]

Merchant contact response:
"We are a tech development company without a commercial service so there is nothing to subscribe to. Someone is billing you, but it's definitely not us."

I received communication from the CEO and COO. So I believe them that it's not them.


Agent: "Thanks for verifying this with the merchant. Uhh... I need to do another block and transfer and make a request for the token between the subscription and your credit card to be removed. Otherwise if the token isn't removed before we do this, the subscriptions will follow to the new card."

Me: "So... we're locking/cancelling my card and sending me a new one again?"

Agent: "Yes."

Time to go and change credit card info on half a dozen websites again. I think this time I will just change it to another card I own and leave this card as barren as possible until I can confirm there's no more bull#### being billed to this card.

[BlackArcher101]

WTF is this support from the bank. When I get a new card without cancelling, subs follow. When I cancel a card because of a fraudulent charge, I have to update each and every subscription to the new one, pain in the ass, but a fun way to start weeding them out.

Sounds like they messed up their end of things. Oh, I see Jason14's post, yup, person probably doing the initial cancellation forgot to do that.

[calgarygeologist]

Originally Posted by Locke

Oh...you dont want to do that...I also took over as your wife's beneficiary and we wouldnt want anything to happen to her...now would we?

Not even worth wasting your time for the minimal payout you would get.

[TheIronMaiden]

#### the credit card companies.