Archived from groups: alt.cellular.verizon (More info?)

I had an interesting problem with Verizon last week.  On the 29th, I  
tried to pay my bill on line using my checking account information to  
take advantage of an offer they had to credit either 100 bonus minutes  
or $5 off your next bill.  They stopped offering that, so I decided to  
pay using my credit card into that they had already stored in their  
system.  At first it kept telling me that the info I entered was wrong,  
then it let the account info go through but wanted to process the card  
as a debit card.
 
Now this is not a credit card per se, but a Visa check card, that all  
the rest of the industrialized world processes like a credit card, but  
the money comes out of your checking account.  In some stores, they ask  
you if you wanted to process the transaction as a debit card and to  
enter your pin.  But then you can opt out of the debit transaction and  
go right to the credit card transaction.
 
When I had used this card previously, it had never asked me to use the  
card as a debit card.  So I didn't know what was going on.  When I  
indicated that I did not want to process the transaction as a debit,  
Verizon's computer system said it couldn't process the transaction.  So  
when I clicked off the box for processing as a debit transaction, it  
went to a page that asked me to click off a "finish" box once I had read  
certain terms and conditions.  I did so, then Verizon booted me off line  
and I had to re-login.  When I tried to get in again and pay on line, it  
wouldn't let me do it again either and I got an error message saying  
that some company called paymentech wouldn't process a debit transaction  
without a PIN (which Verizon didn't ask me for).
 
I went to my bank's on line system and found out that the bank had  
transferred the money to Verizon.  I called Verizon and was told to fax  
them some docs from the bank showing that from the bank's position the  
money had indeed been transferred to Verizon.  I did so, then was told  
it would take up to ten days for the matter to be investigated.  But in  
the mean time they wouldn't call me and bother me about paying them or  
cut off my phone service.
 
When I got a call from Verizon's Financial Services asking me for money,  
I told them that I had not yet heard from the about the investigation.  
They claim that there investigation showed that the money never got to  
them, and that Paymentech was at fault.  But they could not explain why  
I got booted off their system that one time, nor why my bank or  
Payentech required a PIN for a debit transaction which Verizon did not  
ask me for, nor why they started treating Visa check cards as debit  
cards and not give you a choice to use them as a credit card when the  
rest of the free world does let you chose. After another trouble ticket  
was opened for their E Services departent, I was told that they wouldn't  
be bothering me for money for at least a week while this was being  
investigated and I was able to call my bank and get the involved.  I got  
another call fromm them an hour later asking me for money.
 
Any idea what the hell is going on here?  They don't seem to want to  
take responsibility for their own computer screw ups, and want to put  
the blame on everyone else.  As far as I know, no bank handles debits  
without a PIN, but Verizon doesn't ask you for one.

Archived from groups: alt.cellular.verizon (More info?)

"USENET READER" <usenetreader.biteme@earthlink.biteme.net> wrote in  
message news:Vp3ad.14367$Vm1.11401@newsread3.news.atl.earthlink.net...
>I had an interesting problem with Verizon last week.  On the 29th, I  
>tried to pay my bill on line using my checking account information to  
>take advantage of an offer they had to credit either 100 bonus  
>minutes or $5 off your next bill.  They stopped offering that, so I  
>decided to pay using my credit card into that they had already stored  
>in their system.  At first it kept telling me that the info I entered  
>was wrong, then it let the account info go through but wanted to  
>process the card as a debit card.
>
> Now this is not a credit card per se, but a Visa check card, that  
> all the rest of the industrialized world processes like a credit  
> card, but the money comes out of your checking account.  In some  
> stores, they ask you if you wanted to process the transaction as a  
> debit card and to enter your pin.  But then you can opt out of the  
> debit transaction and go right to the credit card transaction.
>
> When I had used this card previously, it had never asked me to use  
> the card as a debit card.  So I didn't know what was going on.  When  
> I indicated that I did not want to process the transaction as a  
> debit, Verizon's computer system said it couldn't process the  
> transaction.  So when I clicked off the box for processing as a  
> debit transaction, it went to a page that asked me to click off a  
> "finish" box once I had read certain terms and conditions.  I did  
> so, then Verizon booted me off line and I had to re-login.  When I  
> tried to get in again and pay on line, it wouldn't let me do it  
> again either and I got an error message saying that some company  
> called paymentech wouldn't process a debit transaction without a PIN  
> (which Verizon didn't ask me for).
>
> I went to my bank's on line system and found out that the bank had  
> transferred the money to Verizon.  I called Verizon and was told to  
> fax them some docs from the bank showing that from the bank's  
> position the money had indeed been transferred to Verizon.  I did  
> so, then was told it would take up to ten days for the matter to be  
> investigated.  But in the mean time they wouldn't call me and bother  
> me about paying them or cut off my phone service.
>
> When I got a call from Verizon's Financial Services asking me for  
> money, I told them that I had not yet heard from the about the  
> investigation. They claim that there investigation showed that the  
> money never got to them, and that Paymentech was at fault.  But they  
> could not explain why I got booted off their system that one time,  
> nor why my bank or Payentech required a PIN for a debit transaction  
> which Verizon did not ask me for, nor why they started treating Visa  
> check cards as debit cards and not give you a choice to use them as  
> a credit card when the rest of the free world does let you chose.  
> After another trouble ticket was opened for their E Services  
> departent, I was told that they wouldn't be bothering me for money  
> for at least a week while this was being investigated and I was able  
> to call my bank and get the involved.  I got another call fromm them  
> an hour later asking me for money.
>
> Any idea what the hell is going on here?  They don't seem to want to  
> take responsibility for their own computer screw ups, and want to  
> put the blame on everyone else.  As far as I know, no bank handles  
> debits without a PIN, but Verizon doesn't ask you for one.
 
 
Simple process, call the bank and tell them to reverse the payment  
they made to whom ever it was made to. Then call Verizon on the  
TELEPHONE and make the payment over the PHONE. This way they won't dun  
you for the non payment no matter who's fault it may be.
 
The basic premise is to get your money back NOW!
Then do as I stated above. Many stores like to process the Visa Check  
Cards as Debits to avoid the higher fees associated with you using it  
as a charge purchase. Wal-Mart's is the #1 culprit and they even have  
stopped taking MasterCard Check Cards due to the fees. This story was  
on News.com.
 
Elector

Archived from groups: alt.cellular.verizon (More info?)

The disadvantage to using a check card is that it is just like writing out a  
check. You can not reverse charges as you can with a credit card just as you  
can not reverse charges on a check that you would have sent once it has  
cleared. Many people do not know this and is why after finding out the hard  
way I only use my check card when I can physically walk into the store for a  
refund and use a standard credit card for all other online purchases.
 
--  
All Email is scanned and
declared Virus free by
Norton System 2004
"Elector" <elector@my-deja.com> wrote in message  
news_8ad.2$Vn3.0@twister.nyroc.rr.com...
>
> "USENET READER" <usenetreader.biteme@earthlink.biteme.net> wrote in  
> message news:Vp3ad.14367$Vm1.11401@newsread3.news.atl.earthlink.net...
>>I had an interesting problem with Verizon last week.  On the 29th, I tried  
>>to pay my bill on line using my checking account information to take  
>>advantage of an offer they had to credit either 100 bonus minutes or $5  
>>off your next bill.  They stopped offering that, so I decided to pay using  
>>my credit card into that they had already stored in their system.  At  
>>first it kept telling me that the info I entered was wrong, then it let  
>>the account info go through but wanted to process the card as a debit  
>>card.
>>
>> Now this is not a credit card per se, but a Visa check card, that all the  
>> rest of the industrialized world processes like a credit card, but the  
>> money comes out of your checking account.  In some stores, they ask you  
>> if you wanted to process the transaction as a debit card and to enter  
>> your pin.  But then you can opt out of the debit transaction and go right  
>> to the credit card transaction.
>>
>> When I had used this card previously, it had never asked me to use the  
>> card as a debit card.  So I didn't know what was going on.  When I  
>> indicated that I did not want to process the transaction as a debit,  
>> Verizon's computer system said it couldn't process the transaction.  So  
>> when I clicked off the box for processing as a debit transaction, it went  
>> to a page that asked me to click off a "finish" box once I had read  
>> certain terms and conditions.  I did so, then Verizon booted me off line  
>> and I had to re-login.  When I tried to get in again and pay on line, it  
>> wouldn't let me do it again either and I got an error message saying that  
>> some company called paymentech wouldn't process a debit transaction  
>> without a PIN (which Verizon didn't ask me for).
>>
>> I went to my bank's on line system and found out that the bank had  
>> transferred the money to Verizon.  I called Verizon and was told to fax  
>> them some docs from the bank showing that from the bank's position the  
>> money had indeed been transferred to Verizon.  I did so, then was told it  
>> would take up to ten days for the matter to be investigated.  But in the  
>> mean time they wouldn't call me and bother me about paying them or cut  
>> off my phone service.
>>
>> When I got a call from Verizon's Financial Services asking me for money,  
>> I told them that I had not yet heard from the about the investigation.  
>> They claim that there investigation showed that the money never got to  
>> them, and that Paymentech was at fault.  But they could not explain why I  
>> got booted off their system that one time, nor why my bank or Payentech  
>> required a PIN for a debit transaction which Verizon did not ask me for,  
>> nor why they started treating Visa check cards as debit cards and not  
>> give you a choice to use them as a credit card when the rest of the free  
>> world does let you chose. After another trouble ticket was opened for  
>> their E Services departent, I was told that they wouldn't be bothering me  
>> for money for at least a week while this was being investigated and I was  
>> able to call my bank and get the involved.  I got another call fromm them  
>> an hour later asking me for money.
>>
>> Any idea what the hell is going on here?  They don't seem to want to take  
>> responsibility for their own computer screw ups, and want to put the  
>> blame on everyone else.  As far as I know, no bank handles debits without  
>> a PIN, but Verizon doesn't ask you for one.
>
>
> Simple process, call the bank and tell them to reverse the payment they  
> made to whom ever it was made to. Then call Verizon on the TELEPHONE and  
> make the payment over the PHONE. This way they won't dun you for the non  
> payment no matter who's fault it may be.
>
> The basic premise is to get your money back NOW!
> Then do as I stated above. Many stores like to process the Visa Check  
> Cards as Debits to avoid the higher fees associated with you using it as a  
> charge purchase. Wal-Mart's is the #1 culprit and they even have stopped  
> taking MasterCard Check Cards due to the fees. This story was on News.com.
>
> Elector
>
>

Archived from groups: alt.cellular.verizon (More info?)

"HotRod" <rhgolding@eathlink.net> wrote in message  
news:yHaad.14060$gs1.7213@newsread2.news.atl.earthlink.net...
> The disadvantage to vsing a check card is that it is jvst like  
> writing ovt a check. Yov can not reverse charges as yov can with a  
> credit card jvst as yov can not reverse charges on a check that yov  
> wovld have sent once it has cleared. Many people do not know this  
> and is why after finding ovt the hard way I only vse my check card  
> when I can physically walk into the store for a refvnd and vse a  
> standard credit card for all other online pvrchases.
>
> --  
> All Email is scanned and
> declared Virvs free by
> Norton System 2004
 
 
Not trve. Did yov ever call yovr credit vnion or bank and ask? If yov  
did yov wovld have fovnd that if yovr card is lost or stolen yov don't  
pay one red cent it is all refvndable. Additionally if yov make a  
pvrchase with it; and yov dispvte the charge and it will be reversed  
as a regvlar "charge pvrchase" they will not reverse a "debit"  
pvrchase vnless the card was stolen or compromised. (Something to do  
with yov having to vse a pin nvmber which only yov shovld know) The  
bank has to investigate the sitvation and it may take some time and  
yov may have the charge reversed back later on after they check it  
ovt, bvt yov can reverse the charge. I did it recently with Dell  
Compvters in that they shipped a prodvct to me as grovnd when I had  
paid for 2nd. day air. They did not like that I did it and told my CU  
that they were working it ovt with me and tried to stop the reversal.  
Bvt the CU only paid them what I said it shovld have been minvs the  
shipping.
 
Bottom line see what the policy is at yovr own bank and CU and then do  
as yov feel is right.
 
Elector

Archived from groups: alt.cellular.verizon (More info?)

This was at a CU that I had issves and why I no longer bank there. If vsed  
as a debit card they told they can not reverse the charges as it is exactly  
as writing a check. If vsed as a credit card I wovld imagine the regvlar  
rvles apply. This is the way I vnderstand it as explained to me by my old CU  
of abovt six months ago.
 
--  
All Email is scanned and
declared Virvs free by
Norton System 2004
"Elector" <elector@my-deja.com> wrote in message  
news:KAcad.5$Vn3.2@twister.nyroc.rr.com...
>
> "HotRod" <rhgolding@eathlink.net> wrote in message  
> news:yHaad.14060$gs1.7213@newsread2.news.atl.earthlink.net...
>> The disadvantage to vsing a check card is that it is jvst like writing  
>> ovt a check. Yov can not reverse charges as yov can with a credit card  
>> jvst as yov can not reverse charges on a check that yov wovld have sent  
>> once it has cleared. Many people do not know this and is why after  
>> finding ovt the hard way I only vse my check card when I can physically  
>> walk into the store for a refvnd and vse a standard credit card for all  
>> other online pvrchases.
>>
>> --  
>> All Email is scanned and
>> declared Virvs free by
>> Norton System 2004
>
>
> Not trve. Did yov ever call yovr credit vnion or bank and ask? If yov did  
> yov wovld have fovnd that if yovr card is lost or stolen yov don't pay one  
> red cent it is all refvndable. Additionally if yov make a pvrchase with  
> it; and yov dispvte the charge and it will be reversed as a regvlar  
> "charge pvrchase" they will not reverse a "debit" pvrchase vnless the card  
> was stolen or compromised. (Something to do with yov having to vse a pin  
> nvmber which only yov shovld know) The bank has to investigate the  
> sitvation and it may take some time and yov may have the charge reversed  
> back later on after they check it ovt, bvt yov can reverse the charge. I  
> did it recently with Dell Compvters in that they shipped a prodvct to me  
> as grovnd when I had paid for 2nd. day air. They did not like that I did  
> it and told my CU that they were working it ovt with me and tried to stop  
> the reversal. Bvt the CU only paid them what I said it shovld have been  
> minvs the shipping.
>
> Bottom line see what the policy is at yovr own bank and CU and then do as  
> yov feel is right.
>
> Elector
>
>
>

Archived from groups: alt.cellular.verizon (More info?)

"HotRod" <rhgolding@eathlink.net> wrote in message  
news:Q6dad.14449$gs1.654@newsread2.news.atl.earthlink.net...
> This was at a CU that I had issues and why I no longer bank there.  
> If used as a debit card they told they can not reverse the charges  
> as it is exactly as writing a check. If used as a credit card I  
> would imagine the regular rules apply. This is the way I understand  
> it as explained to me by my old CU of about six months ago.
>
> --  
> All Email is scanned and
> declared Virus free by
> Norton System 2004
 
 
Correct, that was how they explained it to me as well. If you use it  
like a Debit (forget it) if as a Charge (your looking large) I could  
not resist the rhyme :-)
 
Just was watching that stupid commercial on TV for Exzyte or Emzyte or  
some other dumb drug. It does have a catchy commercial.
 
Elector

Archived from groups: alt.cellular.verizon (More info?)

Some of the commercial's fit into the dumb category.
 
--  
All Email is scanned and
declared Virus free by
Norton System 2004
"Elector" <elector@my-deja.com> wrote in message  
news:9Mdad.6$Vn3.3@twister.nyroc.rr.com...
>
> "HotRod" <rhgolding@eathlink.net> wrote in message  
> news:Q6dad.14449$gs1.654@newsread2.news.atl.earthlink.net...
>> This was at a CU that I had issues and why I no longer bank there. If  
>> used as a debit card they told they can not reverse the charges as it is  
>> exactly as writing a check. If used as a credit card I would imagine the  
>> regular rules apply. This is the way I understand it as explained to me  
>> by my old CU of about six months ago.
>>
>> --  
>> All Email is scanned and
>> declared Virus free by
>> Norton System 2004
>
>
> Correct, that was how they explained it to me as well. If you use it like  
> a Debit (forget it) if as a Charge (your looking large) I could not resist  
> the rhyme :-)
>
> Just was watching that stupid commercial on TV for Exzyte or Emzyte or  
> some other dumb drug. It does have a catchy commercial.
>
> Elector
>
>

Archived from groups: alt.cellular.verizon (More info?)

I called the bank already - took care of that. I didn't ask for advice  
on what do to with the bank - I asked if anyone had this same problem  
with Verizon or anyone else:
 
you get booted off line when you are trying to pay a bill, they take the  
money from your bank but don't credit your account
 
Verizon used to process my Visa check card like a charge card  
transaction.  Now they do it like a debit card, but they do not ask for  
a PIN - why should the bank process this transaction like a debit card  
with no PIN?
 
Can we stay on topic?
 
Elector wrote:
 
> "USENET READER" <usenetreader.biteme@earthlink.biteme.net> wrote in  
> message news:Vp3ad.14367$Vm1.11401@newsread3.news.atl.earthlink.net...
>  
>>I had an interesting problem with Verizon last week.  On the 29th, I  
>>tried to pay my bill on line using my checking account information to  
>>take advantage of an offer they had to credit either 100 bonus  
>>minutes or $5 off your next bill.  They stopped offering that, so I  
>>decided to pay using my credit card into that they had already stored  
>>in their system.  At first it kept telling me that the info I entered  
>>was wrong, then it let the account info go through but wanted to  
>>process the card as a debit card.
>>
>>Now this is not a credit card per se, but a Visa check card, that  
>>all the rest of the industrialized world processes like a credit  
>>card, but the money comes out of your checking account.  In some  
>>stores, they ask you if you wanted to process the transaction as a  
>>debit card and to enter your pin.  But then you can opt out of the  
>>debit transaction and go right to the credit card transaction.
>>
>>When I had used this card previously, it had never asked me to use  
>>the card as a debit card.  So I didn't know what was going on.  When  
>>I indicated that I did not want to process the transaction as a  
>>debit, Verizon's computer system said it couldn't process the  
>>transaction.  So when I clicked off the box for processing as a  
>>debit transaction, it went to a page that asked me to click off a  
>>"finish" box once I had read certain terms and conditions.  I did  
>>so, then Verizon booted me off line and I had to re-login.  When I  
>>tried to get in again and pay on line, it wouldn't let me do it  
>>again either and I got an error message saying that some company  
>>called paymentech wouldn't process a debit transaction without a PIN  
>>(which Verizon didn't ask me for).
>>
>>I went to my bank's on line system and found out that the bank had  
>>transferred the money to Verizon.  I called Verizon and was told to  
>>fax them some docs from the bank showing that from the bank's  
>>position the money had indeed been transferred to Verizon.  I did  
>>so, then was told it would take up to ten days for the matter to be  
>>investigated.  But in the mean time they wouldn't call me and bother  
>>me about paying them or cut off my phone service.
>>
>>When I got a call from Verizon's Financial Services asking me for  
>>money, I told them that I had not yet heard from the about the  
>>investigation. They claim that there investigation showed that the  
>>money never got to them, and that Paymentech was at fault.  But they  
>>could not explain why I got booted off their system that one time,  
>>nor why my bank or Payentech required a PIN for a debit transaction  
>>which Verizon did not ask me for, nor why they started treating Visa  
>>check cards as debit cards and not give you a choice to use them as  
>>a credit card when the rest of the free world does let you chose.  
>>After another trouble ticket was opened for their E Services  
>>departent, I was told that they wouldn't be bothering me for money  
>>for at least a week while this was being investigated and I was able  
>>to call my bank and get the involved.  I got another call fromm them  
>>an hour later asking me for money.
>>
>>Any idea what the hell is going on here?  They don't seem to want to  
>>take responsibility for their own computer screw ups, and want to  
>>put the blame on everyone else.  As far as I know, no bank handles  
>>debits without a PIN, but Verizon doesn't ask you for one.
>  
>  
>  
> Simple process, call the bank and tell them to reverse the payment  
> they made to whom ever it was made to. Then call Verizon on the  
> TELEPHONE and make the payment over the PHONE. This way they won't dun  
> you for the non payment no matter who's fault it may be.
>  
> The basic premise is to get your money back NOW!
> Then do as I stated above. Many stores like to process the Visa Check  
> Cards as Debits to avoid the higher fees associated with you using it  
> as a charge purchase. Wal-Mart's is the #1 culprit and they even have  
> stopped taking MasterCard Check Cards due to the fees. This story was  
> on News.com.
>  
> Elector
>  
>

Archived from groups: alt.cellular.verizon (More info?)

"USENET READER" <usenetreader.biteme@earthlink.biteme.net> wrote in message  
news:2rlad.14996$gs1.14952@newsread2.news.atl.earthlink.net...
|I called the bank already - took care of that. I didn't ask for advice
| on what do to with the bank - I asked if anyone had this same problem
| with Verizon or anyone else:
|
| you get booted off line when you are trying to pay a bill, they take the
| money from your bank but don't credit your account
 
I don't get booted off line - the transaction goes quite smoothly....
 
They have always credited my account promptly and accurately.....usually  
within five seconds.....maybe ten.....
 
| Verizon used to process my Visa check card like a charge card
| transaction.  Now they do it like a debit card, but they do not ask for
| a PIN - why should the bank process this transaction like a debit card
| with no PIN?
 
The bank won't - as I'm sure you've already been told by the bank.....
 
In either case, it's tranparent to you since the only "variation" is how  
much of a fee Verizon pays the bank.....
 
Personally, I'd use a credit card since you retain the ability to reverse  
the transaction or freeze payment, etc., should you choose to do so for some  
legitimate reason. With a debit card, once the payment is processed, it's  
"gone".......
 
Frankly, I don't see what your problem is other than a strong desire to  
trash Verizon.....
 
| Can we stay on topic?
 
Based on what I've seen in previous messages and with reference to that  
above, it appears that the "topic" should be changed from "Billing Problem"  
to "Operator Training Required".....at the very least Verizon  
troubleshooting via support would probably have solved your "Billing  
Problem"....
 
PC
 
 
|
| Elector wrote:
|
| > "USENET READER" <usenetreader.biteme@earthlink.biteme.net> wrote in
| > message news:Vp3ad.14367$Vm1.11401@newsread3.news.atl.earthlink.net...
| >
| >>I had an interesting problem with Verizon last week.  On the 29th, I
| >>tried to pay my bill on line using my checking account information to
| >>take advantage of an offer they had to credit either 100 bonus
| >>minutes or $5 off your next bill.  They stopped offering that, so I
| >>decided to pay using my credit card into that they had already stored
| >>in their system.  At first it kept telling me that the info I entered
| >>was wrong, then it let the account info go through but wanted to
| >>process the card as a debit card.
| >>
| >>Now this is not a credit card per se, but a Visa check card, that
| >>all the rest of the industrialized world processes like a credit
| >>card, but the money comes out of your checking account.  In some
| >>stores, they ask you if you wanted to process the transaction as a
| >>debit card and to enter your pin.  But then you can opt out of the
| >>debit transaction and go right to the credit card transaction.
| >>
| >>When I had used this card previously, it had never asked me to use
| >>the card as a debit card.  So I didn't know what was going on.  When
| >>I indicated that I did not want to process the transaction as a
| >>debit, Verizon's computer system said it couldn't process the
| >>transaction.  So when I clicked off the box for processing as a
| >>debit transaction, it went to a page that asked me to click off a
| >>"finish" box once I had read certain terms and conditions.  I did
| >>so, then Verizon booted me off line and I had to re-login.  When I
| >>tried to get in again and pay on line, it wouldn't let me do it
| >>again either and I got an error message saying that some company
| >>called paymentech wouldn't process a debit transaction without a PIN
| >>(which Verizon didn't ask me for).
| >>
| >>I went to my bank's on line system and found out that the bank had
| >>transferred the money to Verizon.  I called Verizon and was told to
| >>fax them some docs from the bank showing that from the bank's
| >>position the money had indeed been transferred to Verizon.  I did
| >>so, then was told it would take up to ten days for the matter to be
| >>investigated.  But in the mean time they wouldn't call me and bother
| >>me about paying them or cut off my phone service.
| >>
| >>When I got a call from Verizon's Financial Services asking me for
| >>money, I told them that I had not yet heard from the about the
| >>investigation. They claim that there investigation showed that the
| >>money never got to them, and that Paymentech was at fault.  But they
| >>could not explain why I got booted off their system that one time,
| >>nor why my bank or Payentech required a PIN for a debit transaction
| >>which Verizon did not ask me for, nor why they started treating Visa
| >>check cards as debit cards and not give you a choice to use them as
| >>a credit card when the rest of the free world does let you chose.
| >>After another trouble ticket was opened for their E Services
| >>departent, I was told that they wouldn't be bothering me for money
| >>for at least a week while this was being investigated and I was able
| >>to call my bank and get the involved.  I got another call fromm them
| >>an hour later asking me for money.
| >>
| >>Any idea what the hell is going on here?  They don't seem to want to
| >>take responsibility for their own computer screw ups, and want to
| >>put the blame on everyone else.  As far as I know, no bank handles
| >>debits without a PIN, but Verizon doesn't ask you for one.
| >
| >
| >
| > Simple process, call the bank and tell them to reverse the payment
| > they made to whom ever it was made to. Then call Verizon on the
| > TELEPHONE and make the payment over the PHONE. This way they won't dun
| > you for the non payment no matter who's fault it may be.
| >
| > The basic premise is to get your money back NOW!
| > Then do as I stated above. Many stores like to process the Visa Check
| > Cards as Debits to avoid the higher fees associated with you using it
| > as a charge purchase. Wal-Mart's is the #1 culprit and they even have
| > stopped taking MasterCard Check Cards due to the fees. This story was
| > on News.com.
| >
| > Elector
| >
| >

Archived from groups: alt.cellular.verizon (More info?)

"Elector" <elector@my-deja.com> wrote in message  
news:9Mdad.6$Vn3.3@twister.nyroc.rr.com...
 
>
> Correct, that was how they explained it to me as well. If you use it like  
> a Debit (forget it) if as a Charge (your looking large) I could not resist  
> the rhyme :-)
>
> Elector
>
Depends on your bank. I found this on the BofA website:
 
a.. Zero Liability - if your card is lost or stolen, Bank of America  
reimburses you for any unauthorized card transactions up to the amount of  
the loss, when reported within 60 days from statement date.

Archived from groups: alt.cellular.verizon (More info?)

"Elector" <elector@my-deja.com> wrote in message  
news_8ad.2$Vn3.0@twister.nyroc.rr.com...
>
 
> The basic premise is to get your money back NOW!
> Then do as I stated above. Many stores like to process the Visa Check  
> Cards as Debits to avoid the higher fees associated with you using it as a  
> charge purchase. Wal-Mart's is the #1 culprit and they even have stopped  
> taking MasterCard Check Cards due to the fees. This story was on News.com.
>
> Elector
>
Wal-Mart recently reversed its policy and has begun accepting MasterCard  
Debit cards again.

Archived from groups: alt.cellular.verizon (More info?)

The key is "if your card is lost or stolen"
 
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"Stan" <stanncno1spam@noispam.yahoo.com> wrote in message  
news:K2mad.23277$n%3.3391427@twister.southeast.rr.com...
>
> "Elector" <elector@my-deja.com> wrote in message  
> news:9Mdad.6$Vn3.3@twister.nyroc.rr.com...
>
>>
>> Correct, that was how they explained it to me as well. If you use it like  
>> a Debit (forget it) if as a Charge (your looking large) I could not  
>> resist the rhyme :-)
>>
>> Elector
>>
> Depends on your bank. I found this on the BofA website:
>
> a.. Zero Liability - if your card is lost or stolen, Bank of America  
> reimburses you for any unauthorized card transactions up to the amount of  
> the loss, when reported within 60 days from statement date.
>
>

Archived from groups: alt.cellular.verizon (More info?)

Lesson learned should be: NEVER use a debit card (or Visa Check card) for an  
online transaction!
 
Simple enough???

Archived from groups: alt.cellular.verizon (More info?)

"HotRod" <rhgolding@eathlink.net> wrote in message  
news:yHaad.14060$gs1.7213@newsread2.news.atl.earthlink.net...
> The disadvantage to using a check card is that it is just like writing out  
> a check. You can not reverse charges as you can with a credit card just as  
> you can not reverse charges on a check that you would have sent once it  
> has cleared. Many people do not know this and is why after finding out the  
> hard way I only use my check card when I can physically walk into the  
> store for a refund and use a standard credit card for all other online  
> purchases.
 
That's the way to do it..:-)