Blispay can go to ____

[SouthJamaica]

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@red259 wrote:

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@Creditplz wrote:
At first she was grilling me about "why wasn't this reported immediately once your account was compromised" then i told her because her company wouldn't allow me to report it... and she helped me, kinda ticked off that I have to wait 7-10 days to receive a paper and 7-10 more days to get credited.. which I'm sure will report the balance

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Heh. No way am I dealing with this company. Never heard of such nonsense on a fraud before. The least they could have done is taken immediate action and then requested documentation in follow-up which is what most lenders will do. 

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Agreed.

I'll cross them off my list.

(In all honesty they weren't on my list, because after I learned of their business model I didn't expect them to be around for more than a year)

[driftless]

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@wasCB14 wrote:

The last time my card info was stolen, I got a card-not-present transaction email alert from Chase, took care of everything in a 13-minute call (from my mobile number on record at Chase), and had a replacement arrive about two days later.

That's my idea of good service in the event of fraud.

That said, I have been a customer there for several years.

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I had a not-mine transaction from Cap One, as soon as the text alert came through I was on the phone Cap One. They actually caught the guys who were testing the numbers in a different state because how fast their system works, they police were able to view store video and they were on the phone with CapOne when the bad guys tried to use it again. I had good notifications from Chase as well of suspicious transactions, all were valid.

Blispay may be a new card on the street, but: Meh.  

[Anonymous]

Wow...just wow! I'm feeling rather relieved I was denied by Blispay. It is incomprehensible to me that they, at a minimum, didn't take any steps to negate NEW fraudulent purchases. Really sorry creditplz 

[happypill]

I think some that have suggested Blispay is using some sort of "standard practice" may be confusing reporting fraud with how a disputed charge is handled.

Years ago I had a charge to a CapOne card that was fradulent.  The initial process was quick but the merchant disputed the fraud claim, so at that point I did have to provide additional information including a signed statement and some other documentation.  I think maybe some folks are referring to this type of process when a fraud claim is disputed.

In terms of initially reporting fraud, I believe most of the major lenders will take care of it my phone or chat in 5-10 minutes, close the account and have a new card out to you immediately.  That's what I would expect from any card that wants my business.  I think from that point the lender contacts the merchant to notify them of the fraud claim the merchant has 30 days or something to dispute the claim.  If they dispute it, that would kick off a process that requires the lender to gather more info and written documentation, which I think some people are referencing.

But that initial step of reporting the fraud should be handled by the lender expeditiously on their own and how they handle it is a measure of their customer service.  What Blispay is doing is the opposite of customer service.

[driftless]

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@happypill wrote:

I think some that have suggested Blispay is using some sort of "standard practice" may be confusing reporting fraud with how a disputed charge is handled.

Years ago I had a charge to a CapOne card that was fradulent.  The initial process was quick but the merchant disputed the fraud claim, so at that point I did have to provide additional information including a signed statement and some other documentation.  I think maybe some folks are referring to this type of process when a fraud claim is disputed.

In terms of initially reporting fraud, I believe most of the major lenders will take care of it my phone or chat in 5-10 minutes, close the account and have a new card out to you immediately.  That's what I would expect from any card that wants my business.  I think from that point the lender contacts the merchant to notify them of the fraud claim the merchant has 30 days or something to dispute the claim.  If they dispute it, that would kick off a process that requires the lender to gather more info and written documentation, which I think some people are referencing.

But that initial step of reporting the fraud should be handled by the lender expeditiously on their own and how they handle it is a measure of their customer service.  What Blispay is doing is the opposite of customer service.

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+ 1. I forgot, I had one purchase from a presumed UK store that offered an discontinued pair of Clark's. What I was I received, from China, was a nasty pair of non-branded, orange, shoes. When I disputed this claim, I was asked if I had, and if did, send them copies of all emails, what the website address was, etc. Never was my identity nor the validity of my claim was ever in question.

IMHO - I think that we should give Blispay a pass on this as it is the only case that I have heard.  It can be as simple as a poorly trained CSR.  While it is only one example, that is not consoliation to the OP.  

[UncleB]

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@driftless wrote:

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@happypill wrote:

I think some that have suggested Blispay is using some sort of "standard practice" may be confusing reporting fraud with how a disputed charge is handled.

Years ago I had a charge to a CapOne card that was fradulent.  The initial process was quick but the merchant disputed the fraud claim, so at that point I did have to provide additional information including a signed statement and some other documentation.  I think maybe some folks are referring to this type of process when a fraud claim is disputed.

In terms of initially reporting fraud, I believe most of the major lenders will take care of it my phone or chat in 5-10 minutes, close the account and have a new card out to you immediately.  That's what I would expect from any card that wants my business.  I think from that point the lender contacts the merchant to notify them of the fraud claim the merchant has 30 days or something to dispute the claim.  If they dispute it, that would kick off a process that requires the lender to gather more info and written documentation, which I think some people are referencing.

But that initial step of reporting the fraud should be handled by the lender expeditiously on their own and how they handle it is a measure of their customer service.  What Blispay is doing is the opposite of customer service.

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+ 1. I forgot, I had one purchase from a presumed UK store that offered an discontinued pair of Clark's. What I was I received, from China, was a nasty pair of non-branded, orange, shoes. When I disputed this claim, I was asked if I had, and if did, send them copies of all emails, what the website address was, etc. Never was my identity nor the validity of my claim was ever in question.

IMHO - I think that we should give Blispay a pass on this as it is the only case that I have heard.  It can be as simple as a poorly trained CSR.  While it is only one example, that is not consoliation to the OP.  

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+1

One bad experience, while certainly regrettable, isn't an indictment on the overall customer service of a company. 

I'm glad the OP chose to tell us about this, since it's an excellent reminder for any of us if we should ever have a similar situation.  My own take-away is to always push forward until you get someone on the phone willing to shut the card down immediately, and if this isn't possible to take excellent notes of the situation including who you're speaking with (I've found that noting the exact time of the conversation can be helpful as well).

[Creditplz]

HHAAAAAAAAAA!!!! This company is pure trash. Got a call today of the representative practically saying I'm liable for these charges when I told her I'll go to the FTC she told me, "we can strike a deal" I'll let you off the hook for these charges as long as we close this account today.



CLOSED!.

[driftless]

OK, now it is beginning to sound like there is a back story here.

[Creditplz]

They're trying to blame me for the extra charges, I was told that the additional charges shouldn't have been made so the EO or whatever told me they'll remove them all if I close the account with them in that minute so I did. No back story here just the fact that they don't want to take the fault for letting more transactions go through

[driftless]

Sorry, OP.