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15 votes

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

You may have a few options if the company continues to ignore your communication. Call your state's Attorney General and discuss your problem with them. They may be willing to put pressure on this ...
NL - Apologize to Monica's user avatar
14 votes

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

Legally in the US: the standing of the lady is of no concern to the vacuum company the vacuum salesperson probably has a very significant commission - maybe 50%+ you cosigned a legal contract that is ...
blankip's user avatar
  • 4,727
12 votes
Accepted

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

There are several piece of information that you left out of your question. If you have a chip card, bought something in person, and used the chip, then a duplicate transaction should be automatically ...
Acccumulation's user avatar
8 votes

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

Yes. Because you co-signed the loan, you are responsible for the loan just as much as she was. When you co-sign a loan, you are essentially saying "I will pay this loan if the other person can't."
Michael's user avatar
  • 10.2k
7 votes

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

The bank expects you to at least try to clarify it with the merchant. Once this is unsuccessful, they have to accept your complaint and reverse the charge. As this produces cost and loss of trust for ...
Aganju's user avatar
  • 37.7k
7 votes
Accepted

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

This is not something to worry about, in my opinion. You should always be checking your monthly bank statements, credit card statements, phone bills for charges that you didn’t authorize. If you see ...
Ben Miller's user avatar
  • 116k
6 votes
Accepted

How to protect from fraud when giving out CVV

I think you have a misapprehension as to what the CVV is. First off, every time you enter it into a website, you're "giving" it to someone, same as if you give it over the phone. Maybe you trust ...
Joe's user avatar
  • 35.8k
6 votes

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 ! That's just as ...
RonJohn's user avatar
  • 50.7k
5 votes
Accepted

Indebted to managed investing service by entry error

The world is a harsh place. You told them “I want to invest $XXXX00” and they took you at your word. They sent you a warning email that you ignored. “I was busy!!” doesn’t cut the mustard. We’re ...
RonJohn's user avatar
  • 50.7k
5 votes

Proper response to restaurants taking extra tip?

I eat out twice a day for the last fifteen years, and I hadn't happen that more than two or three times (and each time with cents and sloppily written numbers from me), so I doubt it is anything but ...
Aganju's user avatar
  • 37.7k
5 votes

Proper response to restaurants taking extra tip?

The appropriate response in this situation (and any when a charge amount from a legitimate purchase is off) is to contact the merchant first, then if they won't/can't help contact the credit card ...
Hart CO's user avatar
  • 70.5k
5 votes
Accepted

Currency conversion losses in credit card bill due to merchant mistakes

What protection do credit card consumers have when this happens to them? Do we have to suck it up? If the transaction was without authorization, you have to dispute with your card service provider. ...
Dheer's user avatar
  • 57.1k
5 votes
Accepted

Debt sent to collections while still attempting to solve with vendor

Engaging a debt collector to collect a debt which is still being negotiated by the consumer doesn't violate the Fair Debt Collection Practices Act or California's Rosenthal Fair Debt Collection ...
remy's user avatar
  • 961
5 votes

Company is requesting W-9 before refunding purchase

Form W-9 (officially, the "Request for Taxpayer Identification Number and Certification") is used in the United States income tax system by a third party who must file an information return with the ...
Michael Lorton's user avatar
5 votes

What can I do when the bank has deposited my paycheck into someone else’s account and refuses to pay me?

That's something you have to take up with your employer. They need to talk to the bank, show their record of the transaction, show that they entered it correctly, and ask why it didn't go through. If ...
keshlam's user avatar
  • 47.6k
4 votes

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

https://www.creditcards.com/credit-card-news/chargeback-dispute-charge-purchase.php Call the merchant. Record when you called, and the gist of the conversation. If that doesn't work, email the ...
RonJohn's user avatar
  • 50.7k
4 votes

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

Your linked article mentions contacting the FCC. A coupla years ago I had an issue with AT&T when I switched over from DSL to fiber optic. The brochure promised free installation, a $100 gift ...
Bob Baerker's user avatar
  • 76.6k
3 votes

How can I rent cloud computing services without risking getting into a high debt?

Some cloud providers allow you to set a limit on your spending to safeguard against malicious attacks or even outright mistakes that may cause your bill to skyrocket. For example, AWS has "AWS ...
Chris's user avatar
  • 437
3 votes

How can I rent cloud computing services without risking getting into a high debt?

You'll probably want a lawyer to help you, but here are some quotes from the ToS you linked to: 5.2 You are solely responsible for the activity that occurs on your Account, regardless of whether the ...
littleadv's user avatar
  • 176k
3 votes

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

Banks are legally obliged to comply with Federal "know your customer" laws. Normally a person walks into a branch, gets photographed by the security cameras, and presents paper/plastic ID documents ...
Harper - Reinstate Monica's user avatar
2 votes

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

Dumb Coder has already given you a link to a website that explains your rights. The only thing that remains is how to execute the return without getting more grief from the dealer. Though the legal ...
NL - Apologize to Monica's user avatar
2 votes

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

Putting a fraud alert on your credit file with TransUnion Canada and Equifax Canada is probably the next best course of action. It will put a note on your file requesting that they give you a call to ...
juil's user avatar
  • 133
2 votes

Is the warranty on an engagement ring worth it

In my experience, most of the "Extended Service Plans" sold by Big Chain Stores have too much fine-print. Everything they give you in 'the plan'... they take away in fine-print. Most require you to ...
Chris's user avatar
  • 21
2 votes

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

From personal experience, there are no difference between a credit card issued by a bank (Chase, BoA, etc.) or not (Amex). Discover does have a "traditional" banking side to it (i.e. checking/savings ...
Michael's user avatar
  • 10.2k
2 votes

Currency conversion losses in credit card bill due to merchant mistakes

I have contacted the merchant. They have yet to respond. I wonder what else can I do if the merchant stubbornly refuse to do anything. That is the correct thing to do. You should try to resolve ...
David Schwartz's user avatar
2 votes

Comcast Sent Me to Collections

In my neck of the woods, Comcast is notorious for improper billing and incompetence when it comes to resolving issues. One would think that the 1,000s of wasted man hours (salary costs) and customer ...
Bob Baerker's user avatar
  • 76.6k
2 votes

When two financial institutions merge, when is the SIPC protection for an individual owning a brokerage account in both places reduced?

The purpose of SIPC protection is to provide a limited guarantee for the retail investor of their cash and securities in the event of a bankruptcy. From: https://welcome.schwab.com/#:~:text=Schwab%...
Morrison Chang's user avatar
1 vote

Comcast Sent Me to Collections

To directly answer your question, you are stuck in a war of attrition you have to grind at to win. I would bet good money they would not make any change (moving the debt from your mothers name to ...
WittyID's user avatar
  • 2,013
1 vote
Accepted

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

Bait-and-switch is annoying and usually illegal. However, if I'm reading your question correctly, you haven't lost any money, so you don't have any damages. If all you are trying to do is report ...
Ben Miller's user avatar
  • 116k
1 vote

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

I managed to find this article, which indirectly answers the question. Below, I quote relevant portions of the article: Contrary to most common belief, there is no global consist protected quotes ...
user12173's user avatar
  • 141

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