I've dealt with 2 banks and a credit card company over fraudulent transactions on my accounts-- called and reported immediatley upon noticing the pending transaction on my account-- EVERY time I get told "Well, that transaction is still pending so we have to wait until it clears and then we can open an investigation and if it was really unauthorized then we can reverse it." WTF? So you "have" to wait until the theives actually get PAID? Why not just put a stop on the authorization and shut em down before it cost anyone money? It makes no sense. Can't say as for BofA-- but won't go near that institution for a host of other reasons anyway.
Maggie Franklin: Owner & Artist, The Art of Nailz, Visalia CA "Visionary rebel dreamer; obviously way ahead of my time." Maggie Rants [and rav...@nails Magazine Facebook --- On Thu, 9/16/10, Jess in WA <[email protected]> wrote: From: Jess in WA <[email protected]> Subject: Re: NailTech:: 1099 deduction form updates To: "NailTech" <[email protected]> Date: Thursday, September 16, 2010, 8:00 AM Rhonda, I'm not sure what bank you go through that has this policy on credit card theft. I've had BofA and and a local bank and both do exactly the opposite. ANY time you notice a charge that is not yours, call and they will reverse it immediately and then do a fraud investigation. I've had this happen a few times, once was a company typed in the wrong card number, it was reversed immediately and once when my home was robbed with cards stolen and used. Never have I had to wait more than 6 hours to see my account credited every penny (faster than the credit cards). And never has a charge been turned down. They send you a paper in the mail, you sign to say it wasn't your charge, and the credit is permanent. That 4-6 week thing may have been a problem when debit cards were new to society, but it isn't anymore (maybe its a local bank near you that has that policy?) -Jess On Sep 16, 4:55 am, Rhonda Kibuk <[email protected]> wrote: > Marsha, > > I think what she is saying is that the honest people are already paying > their taxes and doing their part but NOW they will have to change their ways > of buying and do MORE paperwork, thus they are the ones getting screwed. > That was how I took that sentance. > > Also for those of you on the debit card band wagon, good luck to you all. I > don't own one and never will. See both credit and debit cards come with $0 > liability due to theft and identity theft. The main difference is that with > a credit card, the charges go into pending until the investigation is > complete, you don't accrue interest on the amount and you don't have that > taken away from your available balance. It is totally different with debit > cards. You will get the money back that the crooks used from your account, > however it takes 4-6 weeks! So, say you have $1,000 in your checking > account, someone hacks your debit card and spends every last sent, you are > out $1,000 for 4-6 week. How do you pay your bills? People you owe money > do don't care that your debit card was hacked. So, sorry, no debit cards > for me. > > I also agree with the statement that credit cards can be good if used > properly and paid off each month. I would say little than 5% of credit card > owners actually do this. So yes, I still say this is a ploy to get people > more into credit card debt. Use a credit card.....don't need to file a > 1099. > > Rhonda > > On Wed, Sep 15, 2010 at 11:09 PM, Marsha Rubino <[email protected]> wrote: > > *But the gov. said they will get millions of dollars from those that > > don't pay taxes. There you go, the honest people get screwed AGAIN!!!!!!!!! > > * Extrapolating this statement, do I understand you to say honest people > > are those who don't pay taxes? Am I twisting that? If so, I appologize, but > > it sure seems twisted!! > > > Marsha Rubino > > Gimme Nails @ Skin Envy Day Spa > > 38 First Ave E. Ste. E > > Kalispell, MT 59901 > > 406-755-3771 > > > ------------------------------ > > *From:* Diana Bonn <[email protected]> > > *To:* [email protected] > > *Sent:* Wed, September 15, 2010 5:54:38 PM > > > *Subject:* Re: NailTech:: 1099 deduction form updates > > > Well this has been interesting thread. Credit card or no credit card > > issue, I have zero idea. But the reason they gave us (the link I gave you a > > couple of weeks ago) states that the gov. is going after cash payments and > > deductions. If you use a credit card or debit card, then you have a paper > > trail. > > > Now maybe it is also for the banking industry, Lordy Be have no idea. But > > the gov. said they will get millions of dollars from those that don't pay > > taxes. There you go, the honest people get screwed AGAIN!!!!!!!!! LOLOL > > diana from indiana > > > -- You received this message because you are subscribed to the Google > > Groups "NailTech" group. > > To post to this group, send email to [email protected]. > > To unsubscribe from this group, send email to nailtech+ > > [email protected]. > > For more options, visit this group at > >http://groups.google.com/group/nailtech?hl=en. > > > -- > > You received this message because you are subscribed to the Google Groups > > "NailTech" group. > > To post to this group, send email to [email protected]. > > To unsubscribe from this group, send email to > > [email protected]<nailtech%[email protected]> > > . > > For more options, visit this group at > >http://groups.google.com/group/nailtech?hl=en. -- You received this message because you are subscribed to the Google Groups "NailTech" group. To post to this group, send email to [email protected]. To unsubscribe from this group, send email to [email protected]. For more options, visit this group at http://groups.google.com/group/nailtech?hl=en. -- You received this message because you are subscribed to the Google Groups "NailTech" group. To post to this group, send email to [email protected]. To unsubscribe from this group, send email to [email protected]. For more options, visit this group at http://groups.google.com/group/nailtech?hl=en.
