Credit Security Tips To Offer Informative - Ways To Keep From Being Suckered By CC Companies

Review by CML32 on 2010-01-12
Time to take off our consumers gloves and fight back!! Here's some ways you can. They work!I do two things every time I pay a bill which has saved me from unwarranted late charges and other CC company dishonesties.

First, always pay your bills online and when you get the confirmation screen, press "ctrl" and "Prtsc" buttons on your computer keyboard at the same time. Doing this allows you to make a screenshot of the entire confirmation screen displayed on your monitor. To copy it, open up a wordpad document (I attach my word pad program to the start menu - you do this by right clicking on the wordpad program icon and selecting "pin to start menu". Right click on the blank wordpad document and select paste. This copies the screenshot to a file you can save forever and cannot be disputed!! Watch the CC representative change their tune when you tell them you have a "screenshot" of your online payment! They cannot say your payment was late or they didn't receive it or any of the other BS things they say to get your $.

Second, get yourself a very cheap computer phone like SKYPE. Download the PAMELA CALL RECORDER. SET IT UP TO RECORD AUTOMATICALLY FOE EVERY OUTGOING CALL YOU MAKE. Do not talk to CC companies when they call you. get a # and you call them. Be sure to record your calls for backup. This way you have proof of talking to 5 different people with 5 different answers! In almost every state you can legally record any conversation from your own phone, or acall that you are a part of.

Then tell your CC people you want everything in writing or you will forward your proof and complaint to your state attorney generals office! They are the best way to go with any complaint and they do help you. Get results with your demands and make these slimy CC companies set your record straight. FIGHT BACK!!
Comments:17 Replies - Latest reply on 2010-01-13
Posted by goduke on 2010-01-12:
While you can legally record, in many states you also have to inform the other party that you are recording. So if you do take the option of recording tell them.

Here's my tip for avoiding late charges. Don't wait until the last minute to pay your bills. Pay your bills a couple of weeks in advance. If you pay online through your own bank, the most it should take to post to your account and/or come out of your bank account is about 5 days. If it's not there, something is wrong.
Posted by Anonymous on 2010-01-12:
I am with goduke. Also, CTRL + P will print the screen you are looking at.
Posted by Starlord on 2010-01-12:
Funny, my computer, all you have to do is hit the printer icon and it ptints the page out for you. In some states, recording your converstations is illegal, in some, it is legal if you inform the other party you are recording. Only a few states allow you to record without the advisory. Check your state's laws and abide by them.
Posted by Anonymous on 2010-01-12:
Star, I can do that too. But CTRL P is quicker for me.
Posted by CML32 on 2010-01-13:
People...I am not advocating doing anything illegal and I do pay my bills on time! However, I, as well as my 83 yo father and others, have had credit card cos say they did not receive payments on time and sock us with a $39 fee for a day late (by their records)! With the screenshot (and I save as a file to save paper, altho yes you can print)It is simply amneans to protect yourself from unscrupulous practices, which is what I assumed this site is all about.
Also, just FYI, in all but 9 states you can legally record your phone conversations as long as there is one party (you) consenting. For more info follow this link:
I am just a consumer along with the rest of you. However, in the case of my 83 yo father, in whose day people were taught to trust, a creditor assessed him with 6 straight months of late charges saying they did not receive his payment (by check) on time. This is when I decided to take the measures I mentioned, and they work, and are legal.
Posted by goduke on 2010-01-13:
The article cited actually says 12 states require both parties to consent to the taping.
Posted by Anonymous on 2010-01-13:
Goduke, If you're calling a credit card customer service line then chances are very good the company informs you that the conversation may be recorded. At that point you have two party consent and the customer is free to record the call without any further notifications on their part.
Posted by goduke on 2010-01-13:
I disagree Stew. They say that they may record. They did not say that they consent to you recording.

I mean, if we are accusing the credit card folks of being sneaky and then turn around and record the call without saying it's being recorded, who's being sneakier?
Posted by Anonymous on 2010-01-13:
Goduke, What's your source for your assertion?
Posted by goduke on 2010-01-13:
It's an intepretation of what the word consent means, Stew, as is yours. The recordings generally say "your call may be recorded for quality purposes." The OP is not wanting to record for quality purposes, but for legal proof. Substantive difference.
Posted by Anonymous on 2010-01-13:
I'm talking about the legal aspect. The companies give those disclaimers in order to comply to federal and all state laws in the event the conversation is recorded. After such disclaimers are given then any recording done would be IAW with any state's requirement for two-party notification/consent. Logically, in order to have two-party consent then both the customer on the line and the company representative must be considered to have consented to being recording. That being the case either party can legally record the phone conversation.
Posted by goduke on 2010-01-13:
Awaiting the legal citation, Stew.
Posted by Anonymous on 2010-01-13:
goduke, You're the one making the assertion that the company's notification only allows the company to record the phone call. If that's true then it needs to be codified and since it's your assertion then you should be the one to provide the legal citation.

It would be like you disagreeing with my assertion that a wild african lion roams the streets of Denver Colorado then me asking you to provide proof one doesn't.
Posted by Anonymous on 2010-01-13:
Screen prints may not be accepted in court, as they can be easily photo chopped. Just sayin. Pay in plenty of time to have the payment post BEFORE the due date. Watch your checking account to make sure payments are deducted. if you pay by money order, verify they were cashed.

Problem solved. You're welcome.
Posted by goduke on 2010-01-13:
Stew, you are the one who asserted first that the recorded message allows either party to record the conversation. That was a pure assertion without any actual basis law, and you provided zero proof that the law actual means that. In short, you made it up. You don't have any proof that the message put by the companies on the lines allows either party to record it. You are assuming that because you think it's a reasonable interpretation of the wiretapping statutes. Lots of legal intepretations aren't quite that reasonable. The fact is, it's never been decided in court. If you are going to record something with the intent of using it as legal proof later, you better make sure that you know for a fact that's what the law allows, and don't just assume that the law allows it because it makes sense.
Posted by Anonymous on 2010-01-13:
Goduke, I gather from your reply you pulled up a few statutes and could find nothing in the law that would back your assertion. I provided very reasoned and logical rationale for my opinion. Most two-party notification laws as codified are basically to protect communications where either party has an objectively reasonable expectation that no one is recording. Once either party says the phone conversation may be recorded then the presumption is no longer valid. Eh, I live in Oklahoma. Oklahoma and federal law allows me to record any phone conversation in which I'm a known party to.

Posted by goduke on 2010-01-13:
Stew, saying the sky is orange doesn't make it orange. The law doesn't state one way or the other, and you know it. Presumptions, et al, are arguments which are made in interpreting a law, which happens when someone is trying to argue that a law is applicable or not applicable. I'm not saying it couldn't end up being interpreted that way, but I am saying you don't know for a fact that the law will be interpreted that way.

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