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Questions tagged [consumer-protection]

The tag has no usage guidance.

2
votes
1answer
33 views

PHH Mortgage Company Practices [duplicate]

I have a loan with PHH and my loan ratio has reached 77.7% last month. I contacted them to inquire about why the PMI has not dropped off for my payment this month. I was told that it was not ...
3
votes
2answers
348 views

Proper response to restaurants taking extra tip?

When visiting full-service restaurants in some places (this seems very common in the US, for example), the server brings a check at the end of the meal detailing the amount owed for food and drink and ...
1
vote
1answer
116 views

What personal data can a US bank legitimately request when I want to open a checking account?

I am trying to open a bank checking account online in the US. I have provided my US driver's license number and Social Security number. I have provided evidence that I have access to another bank ...
2
votes
2answers
879 views

How can “can you hear me?” phone scammers attack me without any lines of credit?

I answered the phone to a very convincing voice that was breaking up, and the person asked "can you hear me"? Only after I said "yes" did I realize that it was either a very lifelike robot or a very ...
2
votes
1answer
149 views

Does a consumer lose their rights under a repair/refund guarantee, if they apply for a refund but don't return the item quickly enough?

Backstory: In January of this year, I ordered an article from a webshop in the Netherlands (EU) which has an IP67 certification and for which usage under water is promoted. This product has been ...
1
vote
2answers
9k views

How to protect from fraud when giving out CVV

In Australia, it seems like a common practice that when paying for something over the phone, the guy on the other side asks for the credit card number, expiry and the CVV number ! I have never had to ...
4
votes
1answer
93 views

Debt sent to collections while still attempting to solve with vendor

In California, can personal debt be sent to collections while you are still engaging in a potential resolution with the vendor? Example: communication with the vendor towards a solution is moving, ...
5
votes
2answers
254 views

Currency conversion losses in credit card bill due to merchant mistakes

An overseas merchant whom I have purchased from before made an erroneous transaction on my credit card bill. The dispute has been resolved and the money refunded. The problem is incurred currency ...
10
votes
3answers
831 views

What protection do credit card holders have against orders mistakenly placed by merchants?

I just discovered I was billed an order for a few hundreds USD from a merchant that I purchased from a few months ago. It is unauthorised and is obviously a mistake from the merchant. I called up the ...
1
vote
0answers
42 views

Credit Freeze - optimal option for a person on student visa in US?

I am an international student who recently moved to the US for studies. I have been reading up on identity theft and credit freezes/fraud alerts. After getting a primary credit card (to build up some ...
3
votes
1answer
115 views

Any reason to prefer credit cards that do not use an issuing bank?

Considering that credit card companies are required to state if a card is issued by a third-party or issuing bank, is there any incentive to avoid these types of cards and prefer those issued by the ...
7
votes
4answers
850 views

My friend wanted a vacuum, I cosigned, then she died a week later

My longtime friend had a home demonstration from a vacuum salesman. She wanted to buy the vacuum but could not get approved for the payment plan. But, the salesman said if she could get a cosigner, ...
4
votes
1answer
298 views

Rejecting a second hand car from a dealer under UK Consumer Rights Act

I have just bought a second hand car from a second hand car dealer. Paid the full amount with direct debit. UK based. The car developed a fault (check engine light which wasn't present when viewing ...
0
votes
1answer
139 views

Legal Obligations for Forced Direct Deposit

Are employers legally liable if they force their employees to use direct deposit and the system is hacked?
5
votes
1answer
3k views

Credit freezes aren't available in Canada. What options are available to protect against identity theft?

It looks like credit freezes aren't possible in Canada. Despite this, there is some evidence that identity theft is a bona fide problem in Canada: RCMP states that in 2009 there were 11,095 identity ...
6
votes
2answers
532 views

Sleazy Bait and Switch Marketing — Is this legal?

I just saw a mail out advertisement for a pretty unbelievable price on a new car. The advertisement is repeated online, link here. When you start to read the fine print, you realize that there are ...
0
votes
1answer
438 views

Why no “reverse direct deposit” setups?

Every online payment provider I've examined requires the user to link their bank account to their online account: paypal.com circle.com coinbase.com Especially in the US, this isn't the most secure ...
0
votes
1answer
61 views

from when is the time limit for chargebacks counted?

I've read it's typically 180 days (6 months), but is it usually counted from the date of purchase, or date of delivery (when I could actually check that the good is not fit for purpose?)
1
vote
0answers
42 views

file a complaint to bureaus of a company's residence if you live in another country?

Can I submit a consumer complaint to Better Business Bureau, federal Trade Commissionn, or the Consumer Frauds and Protection Bureau if I've bought a faulty product froma company based in Brooklyn, ...
0
votes
1answer
97 views

refund or replacement for a faulty product purchased online with mastercard?

I bought a product from a company located in Brooklyn, New Work, online and had the product shipped by them to me to Armenia. The product was of unsatisfactory quality as it didn't function as ...
7
votes
3answers
5k views

Gift card fraud: To whom to report? How to recover funds? Is the party which issued me the card liable?

In September 2011, I redeemed credit card points I had with Citibank for a $100 Walmart gift card. I did not try using this card until March 2014, when I discovered there was no balance in it. I ...
2
votes
1answer
3k views

Misspelled cardholders name: any official policy of MasterCard?

My bank issued a MasterCard debit card with a misspelled cardholder name. They promise that credit card regulations allow up to 3(?) letters to be misspelled in the name, but can't show an official ...
9
votes
2answers
379 views

What can a customer do to reduce damage from a data breach?

A larger retailer admitted recently that hackers were able to steal credit and debit card data for about 40 million customers. Reports say that names, payment card numbers, expiration dates and ...
5
votes
2answers
372 views

Can the Securities Investor Protection Corporation (SIPC) itself go bankrupt?

The Securities Investor Protection Corporation (SIPC) insures investor accounts up to $500K: Terms of SIPC help. Customers of a failed brokerage firm get back all securities (such as stocks and ...
5
votes
2answers
576 views

Does SIPC protect securities purchased in foreign exchanges?

Suppose I open an account at an SIPC-protected broker (say Interactive Brokers) and buy 500,000$ worth of BP stocks on the LSE (London Stock Exchange). Now suppose Interactive Brokers goes bankrupt, ...
4
votes
1answer
240 views

What legal actions should I take to get tuition fees refunded after the school went bankrupt?

I applied to the Northern School of Languages in Leeds and my student visitor visa was refused. But the school has gone bankrupt, and the financial case is now handled by the Ferguson Company Ltd. on ...
7
votes
1answer
137 views

Can I get my payment back on a vacation booked with a company that went into receivership?

My friend booked a summer vacation with a resort/inn located in Ontario that has just gone into receivership. She paid in FULL with a credit card about a month ago. Is there any way to get her ...
7
votes
2answers
2k views

Company is requesting W-9 before refunding purchase

My significant other purchased a spa day-pass from one of those deal-a-day sites (similar to Groupon, but done locally). The spa wouldn't accept the day-pass, so she's trying to get a refund from the ...
3
votes
1answer
2k views

How do I shield or protect my 'chipped' card from thieves? (block the RFID transmitter)

I read an article in the news today called "Police caution that credit-card chips make it easier for thieves". Apparently, because the chips are transmitting a radio signal (an RFID), this signal can ...
5
votes
3answers
2k views

Can I get a chargeback from Visa or MasterCard if a product I bought did not match the description?

If I buy something from a retailer and later on, when I go pick up the product, I find out that it was not the same product agreed on and they refuse to give me a refund (even through they legally ...
9
votes
2answers
230 views

Can I recover my deposit (for a future purchase) from a company whose assets are frozen?

We recently paid a catering company $1400 as a deposit for our upcoming wedding. The company was highly recommended by a number of previous clients and had been in business for over a decade. Then ...
5
votes
2answers
248 views

Personal financial implications of joining or not joining a class action lawsuit

I received a very random piece of mail inviting me to join the "Settlement Class" for a class action suit again the now defunct (and part of BOA) MBNA bank due to bad practices involving raising ...
4
votes
1answer
306 views

How to protect myself from unethical business collecting on an invalid past due amount?

I had my car serviced by a local shop. I ultimately picked them because they were close and didn't really research their online reputation. Suffice it to say I was less than pleased. The car broke ...
10
votes
3answers
13k views

If a house is in foreclosure what does the bank own vs what the former owner owns

So we were having a discussion about what we would all do if we were unfortunate enough to have our homes go into foreclosure. I asserted that all the appliances and even window blinds would still be ...
5
votes
1answer
339 views

How to sell jewelery without getting ripped off?

Related to this question: If I have some old gold jewellery, is it worth it to sell it for its melt value? What is some good advice for getting a piece appraised? Who is a typically trustworthy ...
9
votes
4answers
22k views

Is the warranty on an engagement ring worth it

Many jewelery stores around here offer a warranty on ring purchases. For example a $2000 ring might cost $250. The deals offer free repair, cleaning, maintenance and sometimes replacement and vary ...
21
votes
2answers
8k views

Need advice recovering money lost due to debit card fraud! Bank wont help!

I was recently the victim of credit card fraud. My number and some of my info was compromised and subsequently used to run up about $500 worth of online charges within a week's time. This was on my ...
3
votes
1answer
77 views

Do distance selling protection regulations work across borders?

When buying online in the UK, purchases are covered by the distance selling regulations, which basically give you 14 days to return or annul an agreement or purchase made online. If I buy products ...