The other day I was contacted by Bank of America, reporting suspicious activity on my credit card. Honestly, I don’t know why the charges looked suspicious, but I’m certainly grateful that someone (or most likely their computer) thought so. The charges are for newspaper advertising, and the newspapers are all fairly local to me (Richmond, Fredericksburg, Newport News and Harrisonburg) so they definitely could be valid charges.
I contacted the bank and confirmed that I had not done business with these merchants and they quickly credited those charges for me, closed that account, opened a new one and sent out a new card.
But do you see that $7 credit at the top? There is no off-setting charge. Being the anal, I-always-need-to-balance-type of person that I am, I contacted the bank again to inquire about this credit. I was told that the merchant had issued it. What were they crediting? There should be an off-setting charge. The first person at the bank that I talked to (well, live-chatted with) apparently didn’t understand what I was talking about and I gave up on him. I got someone else on the phone who sounded like he was not in India (thank goodness) and I thought he understood the situation. He did explain that there *was* a $7 charge, but it just happened to hit the old account right before they closed it, and I can no longer see the old account’s activity online. The merchant issued the credit and it hit the new account. So I asked him to please transfer the charge to the new account so that I will be in balance. He said he would. Great!
I checked my account this morning and this is what I see:
For crying out loud, he issued another credit, plus he added this $10 credit that I know nothing about. It wasn’t anything he and I talked about.
So I called the bank again this morning (I’m on a mission here) and got a lady on the phone who said yesterday’s guy didn’t put any notes on the $10 credit but she would add one saying the cardholder was disputing it. There are other people at the bank who audit all these accounts and she says they’ll see the additional $7 credit, figure out that it was a mistake and debit it back to the account. They’ll also figure out that the $10 credit is bogus and debit that back, too. Good grief! I’m used to working with newspaper advertising billing people who make billing mistakes ALL THE TIME, and it’s not this hard (in some cases) to get an account fixed when it’s in their favor.
I just hope they’ll get this all sorted out by the end of the statement period. I won’t call them again.