funchords
Hello
Premium,MVM
join:2001-03-11
Washington, DC
 ·Verizon Online DSL
 ·Skype
| reply to overwelmed
Re: Pluto Data Credit Card Charge
said by overwelmed  : It seems as though the posters who are saying their bank won't refund them the money since it's under $50 may be right. According to the FCBA you are only responsible for unauthorized charges "up to $50". That wouldn't stop me from raising holy hell with my bank though. No. Don't let your bank buffalo you!
Only if the card is lost or stolen AND the consumer failed to report it within (some time limit that I can't remember).
This does not apply to charges that appear on the statement that were not made by the consumer. Those have 60 days from the statement date to be reported in writing.
Further more, many banks have been advertising zero liability -- although terms and conditions may apply. Debit Cards aren't covered by the same laws as Credit Cards, but both Visa and Mastercard have set brand rules that the issuers must follow, offering at least the same consumer protections as the credit cards.
Do not accept these charges under any circumstances. If you have disputed in writing and a U.S.-based bank is not holding you harmless, contact the Office of the Comptroller of the Currency with a copy to the Office of the President of the offending bank. You will get a positive response.
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Robb Topolski  http://www.funchords.com/  Hillsboro, Oregon USA
They who would give up an essential liberty for temporary security, deserve neither liberty or security |
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algorithm
And I Should Care - Why?
join:2001-07-23
Huntington, NY
| reply to overwelmed
said by overwelmed : Read the fine print on the back of your credit card statements before you start telling people they are wrong. Re:Pluto charge again on new card »www.ftc.gov/bcp/conline/pubs/credit/fc.. It seems as though the posters who are saying their bank won't refund them the money since it's under $50 may be right. According to the FCBA you are only responsible for unauthorized charges "up to $50". That wouldn't stop me from raising holy hell with my bank though. Those people need to dump the card that sticks them with the first $50 and get one that doesn't.
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"Those who can not remember the past are condemned to repeat it." George Santayana - 1905 |
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overwelmed
join:2005-02-24
Fergus Falls, MN
| reply to algorithm
Read the fine print on the back of your credit card statements before you start telling people they are wrong.
Re:Pluto charge again on new card
»www.ftc.gov/bcp/conline/pubs/credit/fc..
It seems as though the posters who are saying their bank won't refund them the money since it's under $50 may be right. According to the FCBA you are only responsible for unauthorized charges "up to $50". That wouldn't stop me from raising holy hell with my bank though.
I've read about 90% of the pages in this thread and it seems pretty clear to me that Answer Quick was just the answering service. Is there any solid evidence that they are in on it? |
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algorithm
And I Should Care - Why?
join:2001-07-23
Huntington, NY
| reply to overwelmed
said by overwelmed : Keep in mind some card holders cannot get their money back from this charge because the amount isn't large enough. My Visa card will not refund any disputes under $50. That's not legal under the Federal Fair Credit Billing Act. As long as you report the amount in a timely manner, they must reverse the charge.
Are you confusing this with a policy that stipulates that you are responsible for up to $50 if you don't report the fraud in a timely manner?
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"Those who can not remember the past are condemned to repeat it." George Santayana - 1905 |
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algorithm
And I Should Care - Why?
join:2001-07-23
Huntington, NY
| reply to passowrd
said by passowrd:
Got ripped off too. Saw a charge of $29.99 on my Visa. Called the 800 number and would only get a busy signal. This sucks! Called my bank, and though they can't remove the charge, they cancelled my card and issued a new one. These Pluto people need to go down hard!!
Demand they remove the charge; "The Federal Fair Credit Billing Act sets up procedures requiring creditors to promptly credit your payments and correct billing mistakes, and allows you to withhold payments on defective goods."
The Act further defines "billing mistakes" to include items charged which you, or an authorized person, did not purchase. As long as you report it within 60 days, the bank must reverse the charge until and unless the the vendor provides proof of its validity.
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"Those who can not remember the past are condemned to repeat it." George Santayana - 1905 |
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bummed oops
@dynamic.cov
| reply to bummed
Disregard that last post. I just re-read my statement and it would seem I was a little gunshy. It appears VISA was just getting around to reversing the earlier charge. I saw the name and totally missed it being a credit rather than a charge..... Show me gunshy about my cards now. |
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bummed
@dynamic.cov
| reply to overwelmed
Okay,
Now I'm really mad. I cancelled all my cards, got new ones issued. I didn't use the new card on-line, or access my account on-line and yet I now find a new charge that just showed up on 1 April, transaction date 22 march for Pluto D $29.99 I only used the card once, and that was on 21 March at my local Best Buy. How could VISA allow this to happen? Luckily, they're open tomorrow, and I'm heading down there to tell them what I think..... |
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overwelmed
join:2005-02-24
Fergus Falls, MN
| reply to Bink63
Keep in mind some card holders cannot get their money back from this charge because the amount isn't large enough. My Visa card will not refund any disputes under $50. I wonder if Pluto D counted on that. I got the charge last Feb. on my debit card and just finally got my money back from my bank a few weeks ago. I've switched banks but supposedly my old bank is still investigating it and could come back at me for the $29.99. This ordeal was mostly just a HUGE hassle in dealing with Bank of the West. When I first reported it they ignored it and didn't even cancel the card. After two weeks I went in to the branch to question the progress only to find out nothing was ever reported. I was then reprimanded for irresponsible use of my card and treated like I was the one that was stealing. After proving to the all-knowing teller that it was obviously fraud, she let me sign an afidavidt. I'm very curious to find out who this Pluto Data is, they shed some light on how Bank of the West treats their customers. |
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Bink63
Tweet THIS
Premium
join:2002-10-06
Everywhere
| reply to passowrd
said by passowrd:
Got ripped off too. Saw a charge of $29.99 on my Visa. Called the 800 number and would only get a busy signal. This sucks! Called my bank, and though they can't remove the charge, they cancelled my card and issued a new one. These Pluto people need to go down hard!!
Call your bank back, or better yet, go into a branch and insist on doing a chargeback!
If the bank gives you a hassle, post back and we can give you some more options on how to proceed at that point.
Regards,
Randy
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Just my .02alt0162 worth!
Legacy Consulting |
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passowrd
@newagetrans.com
| reply to ummm101234
Got ripped off too. Saw a charge of $29.99 on my Visa. Called the 800 number and would only get a busy signal. This sucks! Called my bank, and though they can't remove the charge, they cancelled my card and issued a new one. These Pluto people need to go down hard!! |
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Missygirl
@rr.com
| reply to emulation
You stepped over the line when you inferred that people who use their cards for inet purchases have nefarious reasons for doing so... ie... porn?
In that one paragraph, you went from providing information that may be helpful, to being a condescending, uninformated, immature college puke.
Why did you have to go there... emulation? What people purchase should have nothing to do with whether or not they are robbed blind! Get real. |
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Jo531
join:2005-03-14
Dallas, TX
|  reply to emulation
This is in response to Answer Quick. How dare you judge someone? I do not have a credit card. Pluto Data took my debit card and charged my account $39.99. I don't look at porn. I have never smoked pot, etc. Still, even if I had, NO ONE has the right to steal from me! You may be a "college kid", but you have knowledge that your company is a crook. They are a crook, because they KNOWINGLY have a customer, who is a crook. They are aiding and abetting, just as you are. If you don't quit your job, you will stand to go to prison. It usually is the little guy who gets convicted, while the real criminals get off somehow. The person(s) who get convicted are not necessarily the truly guilty ones. They are the ones who are the ones who can be convicted the most easily (forgive the English grammar). Trust me, they are going to get caught and go to prison. People like this make the rest of us pay. Not just in cash, but with changing the way we can use our debit and credit cards and paypal on the internet. We will lose that right. We could end up being taxed. Definitely, we have lost our trust in the internet system. What a price to pay. They will get caught. They are going to prison. You are too unless you distance yourself. |
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Neyland
join:2003-02-04
USA
| reply to emulation
said by emulation :Perhaps you should consider being a tad more careful what you do with your cards. My credit cards don't have any fraudulent charges, then again, I don't go buying porn on the internet or other interesting purchases. You need to call your company and change your number ASAP. While I can understand how emulation wouldn't want his company shut down and lose his job if they are in fact simply an outsourced answering service.
However, with the recent issues with companies like ChoicePoint and Bank of America both of which allowed thousands of credit records to be released into the wild, your statement about being more careful of what you do with your CC and where you shop is a tad shallow. Perhaps we should start making gross exagerations about the mentality and ethics of children in college. |
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reconranger
@attbi.com
| reply to legalbegal
I just got a charge for $19.99 from Pluto Data LTD. out of Great Britain on 2/18. They must be coming down in price. I called the 888-323-8955 number that showed on my statement and got nothing but a recording that asked that I leave a message. It didn't even say the company name or any information except to leave a message. I called my credit card company and they are reversing the charges. I'm wondering if this is happening to more then one credit card company or happening internally within the cc company, mine happens to be a Chase card.....anyone else? |
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BB72
@12.96.x.x
| reply to Dognut
Let's not rule out the fact that we might have terrorist activity here. It is such a scary thought. I know it seems far fetched and that most suspects in the past may have been some flunky but we should be looking at this in a much larger scale here. Especially since this Pluto Data is a foreign company. The USA Today article makes sense and even though we only see a small portion of victims here this is an incredibly serious and sad thing. I would hate to think that money withdrawn illegally from my account was used to fund a thing like September 11th. Thank God for this website and other sites like it that people like us can come together and hopefully make some difference. |
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Dognut
join:2005-03-04
Hilton Head Island, SC | reply to Kip patterson
Sounds like a good road trip. Bring large guns. |
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Kip patterson
Premium
join:2000-10-23
Columbus, OH | reply to Dognut
The crooks are in Nicosia, Cyprus, not the US.
Agreed, it is not likely that they will be caught, nor would they have been had it occurred in the US. |
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Dognut
join:2005-03-04
Hilton Head Island, SC
1 edit | reply to Phaetos
From a law enforcement point of view, I think what the FBI (or more likely the Secret Service who handle major credit card cases and other money cases) will find, once all is said and done, is that there are a string of companies involved here. Its much along the lines of money laundering. You run drug money through several companies and it comes out the other end clean, so to speak. Most of the time the initial company knows the deal and possibly the end company, but the intermediaries, for security reasons, have no clue.
The problem comes in that by the time this credit card scam is tracked down to the real suspect, he or she has grabbed whatever personal property they have in the office they rented just for this scam, and left. The most I've ever seen them catch is some poor flunky who was hired out of a crack house to answer the phone in a bare office. In this case the flunky knew who and what she was working for but could provide no personal information on her boss except his name was Jim and he was a 6 foot tall, 175 pound white male with brown hair. Not much to go on, so they shelve the case and move on to more pressing matters. The credit card company fixes the charge on people's accounts so the only loser is the credit card company. Buddy of mine from ROTC went to work for the Secret Cervix (he hates that:D) told me that even when they do get a good case together, many times the prosecutor drops the case as too old or makes a deal with the suspect that amounts to a slap on the wrist.
I'm not saying we should not investigate this crap. I'd love to get my hands on one of the bastidges. Give him a choice of 15 years in the pen or 15 minutes with 5 of his biggest victims. But seriously, don't be discouraged. Go through the motions of filing your case, but don't let it get you all worked up. Life is too short and full of reasons for heart attacks.
The only reason I knew about this scam is a guy filed a report with one of my people yesterday. Mine is a county agency and can't investigate federal crimes but we do pass the info on the the feds. I had an extra minute and ran a search. Found this web site and thread. Having been a victim before (and not from a porn site whoever your name was) I can relate to the anger adn feeling of violation you people feel. The best we could tell our guy at this point was to contact Equifax and such, contact the Social Security guys, contact the bank, etc...and get all his stuff changed. Pain in the buttocks but its the only way to gain some semblance of security again. Plotting gruesome deaths for the scammers also helps the mental situation. |
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sweintz
Premium
join:2002-03-01
Hamden, CT
| reply to ummm101234
said by ummm101234:
Seems like if Answer Quick is such a great company - they would pull the plug on Pluto Data ltd, since they must be receiving a ton of calls for unauthorized charges. Also, I have worked for a call center before and the entire operation there was not professional. This was somewhere else besides AnswerQuick, but I tell you the people they hired and the stuff that went on there was not the best in the world.
Dude - pay attention. Answerquick pulled the plug on them a while ago. |
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Kip patterson
Premium
join:2000-10-23
Columbus, OH | reply to ummm101234
I think most folks here have concluded that they terminated Pluto several days ago.
You seem to have had a bad experience. In what way does it apply to AnswerQuick? |
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