Kudos to Capital One/Master Card

Regina, Saskatchewan
April 23, 2009 1:50pm CST
I have a Capital One/Master Card that is mine and mine alone. I use it occasionally online and for emergencies and always keep the balance paid up to date monthly. Unlike the hubs who thinks credit cards means money grows on trees! LOL So he doesn't know about this one. I've used it several times to bail HIM out! Anyway, today I was online with Capital One because I couldn't remember what my balance was and wanted to pay it off. Well smack my forehead if I didn't find a charge for over $100.00 on it from a company I'd never dealt with. They are called ResvPro. They make some kind of pill from grapes that is supposed to do wonderful things for you. I do remember clicking on a website that had a ResvPro ad on it. I made a contribution to the host website on my credit card for whatever cause it was (something to do with going green) but I didn't click on the ResvPro ad. So here's a lesson for you folks........be very careful of ads on websites. Somehow they can get your info and the next thing you know someone you've never dealt with is charging your credit card. Damn I wish I could remember the website that the ResvPro ad was on. Anyway, I contacted Capital One through their link right away and filed a dispute for the ResvPro charge. Less than an hour later I had confirmation from them that my account had been credited for the amount charged! They told me that several of their clients had filed complaints also and they now knew that the ResvPro ads on websites were tracking info entered on the host site and using it for their own gain. Talk about scams!!!! Here's a link to a great site for complaints against activities like this and for information about other scammers out there: http://www.complaintsboard.com/complaints/resv-pro-acai-c188957.html So kudos to Capital One/Master Card for such prompt attention and quick resolution. I know that a lot of credit card companies are a pain to deal with, but here in Canada at least Master Card is not. Communication is the key. I will much more careful in the future about using my card online and if I ever come across that ResvPro ad again I'll be clicking off site faster than you can say "Bill me, bill me!" LOL Do you 'search and destroy' when you get scammed online or do you just chalk it up to being an idiot?
9 people like this
26 responses
@dawnald (84146)
• Shingle Springs, California
24 Apr 09
The last couple time it hasn't been due to being an idiot. No idea how they got the card #. Either an online purchase or a store that still has an old card machine that shows the whole #. But anyway, my credit card company took care of it right away too!
3 people like this
• Regina, Saskatchewan
24 Apr 09
It must be a huge problem for credit card companies to react so swiftly now. But that's a good thing and I'm not complaining. I just didn't expect it! LOL
3 people like this
@dawnald (84146)
• Shingle Springs, California
24 Apr 09
Yeah they must be losing tons of money, so I'm glad they are on top of it. Our latest case of fraud was just $2 but a friend of mine was saying sometimes fraudsters put small amounts through and if it works, then they start trying with bigger amounts. And most of us just can't afford that. It's stealing, just as if they came into your house and took something.
3 people like this
@eds28b (126)
• United States
23 Apr 09
Samething happened with my mother inlaw. She asked used her credit card to pay some or her Medicine which she ordered online (trying to save couple of $$). She the the medicines and everything is good until one day around January UPS delivered HP LAPTOP brand new and its a 900.00 online on sale. So my mother inlaw thinks its form her daugther in Texas since they talked about get her a new computer. Then in the morning, a FedEX guy arrived and said he was told that a package is to be picked up. So my inlaw never gave the Laptop since its in her name and she never ask for any Fedex. to make the story short, her card was charge with 900.00 and it was even purchased at HP's official website. She closed the card and ask for another one and until she get her 900.00 the Laptop wont go anywhere. scammers are everywhere. we should be carefull.
3 people like this
@orderfox (231)
• China
24 Apr 09
I have used micro-credit degree is VISA. But sometimes I feel that the use of credit cards will be more insidious in our savings overdrawn. Not behind the protection of life.
• Regina, Saskatchewan
26 Apr 09
Eds........what a weird situation. I'm glad she closed the card though, and I think she's right to keep the laptop until she gets her money back, and I hope she does.
@sweety_81 (2129)
• India
24 Apr 09
Luckily,I have not faced such a situation . However,I believe that Capital One did an excellent job in such a case . I would also complain and would not rest till that issue is resolved .
3 people like this
• Regina, Saskatchewan
26 Apr 09
Captial One is really good up here. So friendly and co-operative. Best part is, they don't charge me anything to straighten things like this out and that's a big bonus.
24 Apr 09
Hi sparky, That is one big scam tha they try to catch people out and taken their money, I'm you got yors back, as for me I would never use my card on line as I never buy anything online as I don't trust anybody, if I want to buy anything, I just buy it in the shops. I hate scammers. Love and hugs. Tamara xxxxx
3 people like this
• Regina, Saskatchewan
24 Apr 09
I hate scammers too tamara, and I'm glad that the credit card companies are taking them seriously. And no more online credit acitivity for me!
2 people like this
• United States
23 Apr 09
Good for you and Capital One. I have not had thaat happen bu other things and they were great with me as well. Mostly when you sign up for something and the disclosure is k\]hidden on some item 15 in very fine print, which by the way Is Illegal!!! They have to disclose up front what their little gimmic is. I used to have capital one before the bottom fell out of like everything. They were good to me.
• Regina, Saskatchewan
23 Apr 09
Well they still have their bottom here in Canada, so I guess I'm lucky eh? lol
1 person likes this
• United States
23 Apr 09
I search and destroy. I usually keep a log on my computer for susipicous websites in case something like this happens, but yes its just that easy. You really dont know which websites to trust anymore. I get onto my siblings about things like this all the time. This is how people still your identity, not just your credit cards. The internet is just not strict enough. There should be people monitoring things like this.
• Regina, Saskatchewan
23 Apr 09
Well the website link I gave is one of the better 'watch dogs' I've found. So's one called Scambusters. I keep a number of sites bookmarked, and in all the years I've been on the net, this is the first time my credit card has been hit. So I've been pretty lucky I guess. Welcome to my friends list by the way and glad to have ya!
2 people like this
@fwidman (11515)
• United States
23 Apr 09
I haven't been scammed online yet *Knock on wood* But, if I were, I'd be raising bloody hell with the credit card company. I have a prepaid card and can only spend whatever amount I put into the card and I certainly would not want anyone helping themselves to that
3 people like this
• Regina, Saskatchewan
23 Apr 09
Aw Frank, you're getting scammed every day you're here on the lot don't you know! ROFL I mean seriously, you don't believe everything you read here do ya?
2 people like this
@kbourgerie (8781)
• United States
23 Apr 09
Oh God, don't I know this one. I am so sick of online scams. There are a million to the 5th power of them and once they start, doesn't seem like you can get rid of them. I'm glad you got it sorted out. Some scams I have gone after with a vengeance, but I'm getting so tired of filing reports that now, some sadly I have just let go and chalked it up to me being an idiot.
3 people like this
• Regina, Saskatchewan
23 Apr 09
What's really scary, as this episode taught me, is that you don't have to actually do something idiotic to become an idiot! It's enough to drive you right off the net!
2 people like this
@TLChimes (4842)
• United States
23 Apr 09
Search and destroy and tell every body I know to be careful of -insert creeps name here- Good show Sparks!
• Regina, Saskatchewan
23 Apr 09
I live to serve....................ROFL
2 people like this
@Darkwing (21588)
24 Apr 09
You had a very lucky escape there my friend. This is common behaviour online and one has to be very diligent in order to catch the charges. Capial One handled the matter very efficiently for you, which is good. I'll reiterate that people using credit cards online should be more dilligent... it saves a lot of heartache. Brightest Blessings my friend.
• Regina, Saskatchewan
26 Apr 09
I thought getting viruses from websites was bad. Holy moly, this is worse and so easy for them to do. This morning I had another charge on my credit account I didn't recognize, so was on the phone again to Capital One. The girl there was so friendly and teased me about it being "my" week for this kind of activity. She says it seems to go in cycles for their customers. But she reversed the new bogus charge and upped my credit monitoring security at no charge for me. Pretty neat huh? Rather restores my faith in the human race, that in this day and age when everyone seems to be more interested in taking rather than giving, that a credit card company of all things is willing to give back without any hassle. Nice.
1 person likes this
@Darkwing (21588)
27 Apr 09
Yes, that is nice my friend, and as you say, quite restores your faith in human nature. Tell me something? Were these "secure" sites that you were attacked on... or supposedly secure?
1 person likes this
• Regina, Saskatchewan
9 May 09
I'd only been to the one site and it had the 'verfied' symbol on it or I wouldn't have taken the chance. So, really, there is very little you can trust on a lot of websites, and I figure whatever program 'scanned' my info, also shared it with others. Sort of like having your email address 'sold' to spammers.
@savypat (20246)
• United States
23 Apr 09
I like to hear these types of stories, it helps me stay alert. When you work on line you can get caught in a number of webs. Maybe that is why they are called Web sites, the spider is just waiting to grab your credit card.
• Regina, Saskatchewan
23 Apr 09
I have an excellent credit protection monitoring service through Capital One too, and I was a little surprised THEY didn't catch this if they've already had probs with this company. They have assured me they will be more vigilant! LOL
2 people like this
@leenie50 (3992)
• United States
24 Apr 09
That makes me wonder if that protection is just another way of getting more money and makes people rely on that.
1 person likes this
• Regina, Saskatchewan
26 Apr 09
I pay for the plan I signed up for when I got the card, but they have now 'upped' the coverage and aren't charging me extra at all for it.
@moondancer (7434)
• United States
24 Apr 09
I'm a search and destroy gal when it comes to someone taking money from me, lol If I ordered something that's different, but for them to just steal my info and charge me, uh uh no way they will get away with it. I too have had this happen to me with a well known site.
2 people like this
• Regina, Saskatchewan
26 Apr 09
It's a real crap shoot being on the net these days. And with this recession, I can only seeing it getting worse....................sad huh?
• United States
26 Apr 09
yes it is sad and you are right of course. I have seen so many rats crawling out of the gutter lately trying to rip people off and their wording makes it sound like something they would want or can use. It's sad because so many do get taken by these chumps.
1 person likes this
@Lakota12 (42684)
• United States
23 Apr 09
another thing dont donate on line!
2 people like this
• Regina, Saskatchewan
23 Apr 09
Never again, that's for sure!
1 person likes this
@Lakota12 (42684)
• United States
24 Apr 09
cool
2 people like this
@MsTickle (24983)
• Australia
26 Apr 09
Oh good on you Sparks and well done those others for being observant and reporting the error as well. Recently, I also had cause to be careless and then thank my credit card issuer for coming through. I had been toying with the idea of getting a weight loss product available in America. I had been humming a haaa-ing then one day an offer was presented to me and I thought ...oh what the heck and I started to order it. I entered my card details and then....my dial-up session dropped out before I could get to the final page! I thought...that was an omen so I didn't follow through with it. The deal was, they send you a free sample and if you don't return it in 30 days they bill you. I received my statement a few days later and I had been billed for $129.00 + $39 something postage! When it turned up a few days later, I REFUSED TO TAKE DELIVERY OF THE PARCEL. As far as I was concerned, my order was incomplete and I should not have been charged anyway. I rang my credit card company and organised for my card to be cancelled, so they could not continue to bill me. The chap I spoke to said he had 47 customers in November involved with this company cancel their cards, 36 in December, 20 something in January and several around the same time I was taking care of mine. He also sent me forms to recover the amount deducted for postage. I received these papers in the mail about 5 days after the cut off date to return them but I returned them anyway and both these amounts were reversed and I owed nothing...best of all, no fee for them doing this which surprised me. Around the same time, I decided to order some ink for the printer my daughter gave me for Christmas. I went to the site where I had registered my details for warranty etc and found the ink for my model and then I checked the postage...WOW! I also noticed that the company was quite close to where my daughter lives so I decided to let her pick it up for me at her next visit. Luckily, I checked my credit card (a different one) because I was charged for the ink. However I received no product!! When I rang the company, I was told that my details were automatically entered because I was a member, the charge details must have gone through but not the product details!! How bloody cheeky?? I wonder how often they have got away with that? It's so IMPORTANT TO CHECK YOUR STATEMENTS WHENEVER YOU RECEIVE THEM.
2 people like this
• Regina, Saskatchewan
26 Apr 09
I hate ordering anything from the States. The postage charges are always more than the item! lol I think I'll stick to Canadian companies from now on or just do without.
1 person likes this
• Canada
24 Apr 09
SEARCH AND DESTROY!!!! kudos for them to getting it sorted out that quick!
2 people like this
• Regina, Saskatchewan
26 Apr 09
Search and destroy alright. Good policy to have in this day and age on the net.....
@pyewacket (44036)
• United States
24 Apr 09
Yup I was scammed once. Didn't have anything to do with a "strange" charge to a credit card, but my phone bill. I used to do those stupid survey thingies (for CashCrate), so of course you often have to fill out your name, address and phone number...and in some cases check the "I agree" TOS...well, lets face it how many of us actually read the mile long TOS of most places? Then about a month later after having filled out these survey things, bingo, I get this strange charge on my phone bill. Like huh? I even got hit with a Collect Call, supposedly made by me to Calif...uh, like duh? I have long distance included, so like why the heck would I want to do a collect call? Anyway, the one weird charge was for nearly $100...ekkkkkkk. Anyway, I did get things settled with my phone company, and it was them who told me I no doubt had filled something out on a form (like those dumb surveys) and it was a scam thing and they latched onto my phone number and charged me--bottom line..be careful about those stupid surveys or filling anything out with one's phone number.
2 people like this
• Regina, Saskatchewan
26 Apr 09
I never give my phone number out in on line forms. Guess it's time I stopped giving out my credit card number too eh? lol
@schulzie (4064)
• United States
24 Apr 09
I am very happy that Capital One handled this matter so quickly and in such a helpful manner. I hear that they are a great company to deal with. It is always nice to hear first hand from someone about a company or service. I also think it is a good idea keeping a credit card separate from you husband that he does not know anything about. Have a great day and happy myLotting!!!
• Regina, Saskatchewan
26 Apr 09
I'm lucky with my credit card company. But I have to stop using it online or I'll have to cancel it. As for the hubs........lol, he thinks credit cards PRINT money for him! LOL
@howard96h (11658)
• New York, New York
23 Apr 09
Great to hear that you got this resolved and "Capital One" backed you up on this. I like "Capital One" also. It was kind of stupid on the part of the company that scammed you, didn't they think you would find out about this when you checked your charges. They deserve to get fined for what they did.
2 people like this
• Regina, Saskatchewan
23 Apr 09
Well I must admit, that reading the paper billing/account statements I get sent are nearly incomprehensible to me. So I signed up for online 'banking' with Capital One and it's so easy to check my account now for up to date information. And that's how I found it. If I'd just been getting the snail mail bills, I could very easily have missed it.
2 people like this
@CatsandDogs (13964)
• United States
25 Apr 09
Hey sparks! I'm glad Capital One was good to you on this issue because I hate the company with a passion because they've done me wrong twice and I promised myself and hubby to never go back! Both times I had to fight for the interest rate that I was promised and even had to go to the big guy before getting it and even then they tried to change it! Once I got a better offer, I dumped Capital One and went with the new one and so far, I've been very happy.
1 person likes this
• Regina, Saskatchewan
26 Apr 09
You know they must work differently in the States, because you're not the first person I've heard say something like that, that's from the U.S. Up here, I've yet to talk to anyone who has had a problem with them. Their head office here is in Montreal and when I spoke French (bad French! lol) to the woman I got connected to, she laughed and then bent over backwards to make me happy. I've had a few occasions where I've had to contact them about one thing or another and they've always been very accomodating and made the experience painless. Move to Canada. I'll introduce you to the Canadian Capital One experience! lol
1 person likes this
@CatsandDogs (13964)
• United States
26 Apr 09
LOL Too deg gone cold up there for me sparks! Sorry charlie but it isn't happening!! Brrrrr rabbit!! LMBO! Hey! I saw what you said to MsTickle.... if you want something from the states, let me know!! I might be able to get it and then send it to ya!! It won't cost you a fortune in shipping charges!!
1 person likes this
• Regina, Saskatchewan
26 Apr 09
Now that's an offer no good Canadian (even a cold one! lol) could refuse. I'll keep it in minds Cats. Thanks sweetheart, that was nice of you..........
1 person likes this
@coffeebreak (17820)
• United States
13 May 09
I don't use a credit card online... hardly ever. Have once or twice to a specific store but honestly, maybe 4 times all of last year. If I can't use my PayPal card to buy it, I usually don't buy it on line...for this exact reason. I can control the money in PP - put in $100 and when it is gone, my spending stops until I put more in there. Great way to manage a budget! And if something odd does happen... I can handle it with PP and only PP and it doesn't mess up my budget or credit cards or anything else. It doesn't go to my credit report or complicatet hings in any other way.
1 person likes this
• Regina, Saskatchewan
14 May 09
The one I have was only for online and I used it rarely. Now, it's in my wallet and will stay there for emergencies in real life only. No site is secure anymore, so I'm no longer putting my info on the net for any reason. It's just not worth the chance...........
1 person likes this
@coffeebreak (17820)
• United States
17 May 09
I agree with you totally. I don't want my info out there in cyber space. That is why I use the PayPal and use it limitedly on both ends! Just not worth the risks!