# I just threw a tantrum... **URL:** \ **Category:** Miscellaneous and Personal Stuff I Must Share\ **Created:** [October 11, 2018, 3:31pm UTC](https://boards.straightdope.com/t/i-just-threw-a-tantrum/822806 "2018-10-11T15:31:44Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![AngelSoft](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/angelsoft/32/440_2.png) [@AngelSoft](https://boards.straightdope.com/u/AngelSoft)\ **Post date:** [October 11, 2018, 3:31pm UTC](https://boards.straightdope.com/t/i-just-threw-a-tantrum/822806/1 "2018-10-11T15:31:44Z")
Over my bank’s process for disputing a charge. Not entirely proud of it but, well. They’re dummy poopoo heads! :mad: There’s a charge on my account that I didn’t authorize. My daughter (10) purchased a VIP membership on some phone app she uses. I don’t know how she did it but the payment went through the company itself and not Google Play. It was for a year membership and while it wasn’t a huge amount, $40, money’s tight enough that it was going to cause some problems. So I went on the website and cancelled the account literally within 10 minutes of it happening. I contacted their customer service about getting a refund and was told they could but I just needed to send them a screenshot of the receipt. Fine, I did that. Nothing. They went from responding to emails right away to almost a week with no response. Further attempts to get someone were also failures. So I decide to dispute it through my bank. I’ve got emails showing they were going to refund so it shouldn’t be a big deal right? I contact them and ask about disputing the charge. Oh of course they can! I just need to follow these simple steps. I need to write a letter with the following: What is the charge? When was it done? What company? Why am I disputing it? Have I contacted the company? How did I contact them? Phone? Email? Who did I contact? When? What was the name of the customer service rep? Their rep id if available. What did they say? Why didn’t this work for me? Who else did I contact? What was their name/id/time of contact? Provide proof of previous contact in the form of email logs or letters. Write/type all of this out on actual paper and sign it. And bring it physically into one of their branches to start the process. Needless to say I found all of this ridiculous and I let that be known lol Now I do know it’s not the rep’s fault but holy hell. They basically want me to write out an essay on why I deserve my money back. It’s forty freaking dollars. I’m not requesting back the GDP of Paraguay or something. I kinda flipped a bit and told them it was the last straw and I was closing my account. And I said I’d be in on Saturday and asked if I needed to write out why I wanted to close it out and have it notarized first. Their response? ‘None of our branches are open on Saturday’ :smack: So I just ended the conversation and fwiw I did immediately go and open an account at another bank. But ffs people… ---
**Author:** ![DCnDC](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dcndc/32/2842_2.png) [@DCnDC](https://boards.straightdope.com/u/DCnDC)\ **Post date:** [October 11, 2018, 4:00pm UTC](https://boards.straightdope.com/t/i-just-threw-a-tantrum/822806/2 "2018-10-11T16:00:09Z")
That’s pretty ridiculous. My bank just says, "Sure, no problem. That’ll be a $30 service fee, would you like me to deduct that from your account now? ---
**Author:** ![Spiderman](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/spiderman/32/230_2.png) [@Spiderman](https://boards.straightdope.com/u/Spiderman)\ **Post date:** [October 11, 2018, 4:53pm UTC](https://boards.straightdope.com/t/i-just-threw-a-tantrum/822806/3 "2018-10-11T16:53:28Z")
They may be a bit over the top, but not unreasonably so. The first 6-7 questions any bank should be asking. They’re just being more thorough & bulletproof when they go back to the merchant; by providing proof that you contacted the merchant & they stated they’d refund you when they didn’t you/the bank have a pretty much open & shut dispute case.