Questions tagged [consumer-protection]

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3
votes
2answers
160 views

Comcast Sent Me to Collections

Long story, but I will try to shorten it. I have been a Comcast customer for two years in the regions (northwest Indiana) for approximately two years before all this happened. For the past year, my ...
3
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1answer
81 views

How is compliance with the Order Protection Rule (of Reg NMS) guaranteed in the face of latency?

From Investopedia: The Order Protection Rule also established the National Best Bid and Offer (NBBO) requirement that mandates brokers to route orders to venues that offer the best displayed price. ...
9
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2answers
4k 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 ...
0
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0answers
83 views

Protection laws against fraud when investing in ETFs and/or index funds

I would like to understand what protection provides the law against frauds like Ponzi fraud scheme when investing in ETFs and index funds. Quick note: When I say 'fraud' I mean actual fraudulent ...
5
votes
1answer
6k 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 ...
0
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1answer
53 views

Consumer protection purchasing online course offered by USA company from another country: Which law applies?

I'm from Argentina. A big online learning platform from San Francisco offers course at a price (11 USD) in private navigation, but following the link with common navigation the price change (to 20 USD)...
2
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1answer
84 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 ...
5
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2answers
721 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, ...
5
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2answers
442 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 ...
3
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2answers
457 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 ...
7
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4answers
873 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, ...
1
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1answer
178 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 ...
1
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2answers
1k 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
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1answer
163 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 ...
3
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2answers
24k 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
130 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
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2answers
480 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
949 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
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0answers
50 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
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1answer
116 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 ...
21
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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 ...
9
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2answers
412 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 ...
7
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3answers
6k 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 ...
4
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1answer
311 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 ...
10
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3answers
14k 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 ...
9
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4answers
25k 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 ...
0
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1answer
174 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?
6
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2answers
589 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
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1answer
465 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
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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
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0answers
44 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
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1answer
100 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 ...
4
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1answer
245 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
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1answer
141 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 ...
2
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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 ...
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
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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
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2answers
237 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
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2answers
251 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
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1answer
319 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 ...
5
votes
1answer
372 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 ...
3
votes
1answer
81 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 ...