Capital City Markets Update.
My bank recently got back to me literally after 2 whole months an says its been too long and they can not help . I spent hours going through all the info with my bank manager and the fraud department . I went or called weekly until the head of the fraud department told me these things take time and to be patient , I believed those liars until today.
I would like to hear if any one has reached out the Payment Provider that CCM says is the thief of all our funds ? I would like to consider also multiple class action law suits and would like to hear back to my personal email to go in depth on how to proceed . By the law we have 1 year to go after our stolen funds , our banks , Visa etc. ------------------------ In new light I also understand that the bank and Visa are charged with the responsibility to keep our funds safe at all times and they have to prove they did , and they did not.
If a merchant refuses to refund your money, your issuer may turn it back to you. If you believe the merchant is wrong and your complaint is valid, don’t take no for an answer.
“A lot of people just give it up,” Sherry says. “The issuer may come back to you and say, ‘The merchant said X, we can’t give you the chargeback.’ But that’s not a time to give up, that’s the time to get your dukes up and go in for another round because the merchant may be saying something that’s false. Any proof you can bring to bear at that point will help.”
- File under 'claims and defenses’
If the standard dispute process fails, you have another chance – filing a complaint under “claims and defenses,” a process instituted by the Federal Trade Commission in 1975. Unlike billing errors, claims and defenses can be filed up to one year from the time of purchase. However, they must meet these four criteria:
• The amount in dispute is more than $50;
• You must not have paid the disputed charge;
• You must make a good-faith effort to get a refund from the merchant, and;
• The merchant must be within 100 miles of your home and within your state (this requirement is waived for online purchases).