Can I initiate that process somehow? I'm a medical student, this money was much needed and I don't have much funds to combat this company. What's the next step? In the user agreement it talks about arbitration for disputes. This is a call center based in the Philippines. When I express concern that this process has already surpassed their stated deadline, they just sit in silence on the other end. I don't even know what happened with this card in the first place. What's extra aggravating is that not only do they have the first $500, but they also have the money Google sent back to their bank. I feel like I'm just being given the runaround. They said I can email their dispute team directly, but when I do, nothing comes back. They refuse to write an email with their instructions for me despite being able to email me the dispute form, and when asked how long it will take, continue to say "90 days" even though we are well past that now. They're pretty much revealing that nothing will be done by the next time I call. They've told me to call again in 24 hours, even though I'm supposed to receive an email when the case review is done. I called today, and there has been no change. I wrote a detailed, clear account with all my communication from Google proving they returned the money on their end.ĩ0 days passed, and now they have me calling every 2-3 days they ask the same questions ("When did you submit the dispute form?") and ask me the date of my email, revealing their dispute team hasn't done anything. At this point I had no choice but to submit a dispute using Vanilla's claim form, and they told me it could take up to 90 days to complete the review. However, only a small amount of these refunds made it back onto the Vanilla card, with hundreds still missing. Fortunately, Google agreed these were unauthorized and refunded nearly all of the money. There were well over a hundred small purchases on the Google Play store by the hacker, but I submitted every single one individually to Google as fraudulent charges. (Our first attempted purchase was declined, which is when we found out the card had somehow been hacked/compromised.)Īs expected, Vanilla was not easy to work with from the get go, and insisted I contact the merchant first to get refunded. Unbeknownst to us, before we even opened the package, all $500 had been spent on the card. We didn't use it right away, kept it safe and sound in its original packaging (edit: the number was not scratched off). Last fall, we purchased a Vanilla Gift Card from Vons. I hope this is the right sub as this is technically a prepaid card. If you're having trouble with a dispute, I recommend looking into the CFPB.ĮDIT: I've submitted an official complaint to the Consumer Financial Protection Bureau and am hopeful this will bring this mess to an end. Very relieved to have this outcome after such a lengthy struggle prior to filing a complaint. The CFPB complaint process is great and did in fact lead to reimbursement of the stolen funds. We may make an exception if it's truly unique and helpful.įINAL EDIT: Just in case anyone out there finds this and has a similar problem. Self-promotional posts must be pre-approved by a mod. Spamming other users will get you banned. This includes any behavior that could be deemed fishing for referrals. Don't post them don't hint at offering them don't ask for them. This applies to any posts where we suspect anything potentially illegal or fraudulent, and may include buying/selling tradelines. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests CreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service
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