I went to sign up for a free trial of emusic using my chase debit card but the card was declined saying it was an invalid card number. I tried again several times (about 5) then I then went to use my wells fargo debit card and signed up. After a while I received a confirmation email confirming my membership.
I requested a password change from emusic and they only send me an email for the membership attached to the wells fargo account. If I have two accounts registered to the same email shouldn't I receive information about all accounts assigned with that email account? Or given a choice of which screenname/account I want the password reset for? Obviously but I wasnt given that choice. I was only sent password reset information for the screenname/account that I signed up for using my wells fargo card.
So I only received a signup confirmation email for the wells fargo account and to check that I had not been charged on the chase card asked for a password change to make sure I only had an account using my wells fargo card and not my chase card as well. Nothing indicated I had an account using my chase card so far. If I did why could I not access that account? I knew the screen name and password I had set but the system wasnt recognizing it so I should not have been charged.
No confirm email. Not able to sign in using login data. Not able to verify account status by requesting a password change. So I'm thinking I only have one account using my wells fargo card.
The site was horrible with bad selection of songs, didnt check it out fully but they were of low quality as others have stated. Really boring club filled with lackluster content hardly to be considered imaginative, entertaining or inspiring. I quickly cancelled my membership within a day.
It took awhile for the charges to come in. I was charged on both my wells fargo and chase debit cards. I was charged $11.99 on my wells fargo for dec, 23 2009 and $9.99 on $30.99 on my chase for dec, 23 2009 and jan 23.
I went to chase bank and they had me wait in line to speak to a personal banker. I told the bnker that I never authorised charges on the chase card and explained how it happened. He nodded his head and pretended to care but was not very sincere in helping me. He basically acted pompous and conceited and feigned interest but basically seemed to agree with what I was saying.
He called the claims department on the phone and talked to them. Then he asked if I had called emusic to complain and I said no and then he went back to his phone call. He looked up emusic's phone number and told me to call them and if that didnt work come back to the bank to fill out a claim.
I called emusic and they said they would refund the money but were weird insisting they did no wrong and refused to acknowledge any wrong doing on their part. This occured during the first part of january so feb 5th to feb 10th. I have an email from emusic stating that they would be refunding the $11.99 wells fargo charge but only the december charges of $9.99 and $30.99 and not the january charges of $9.99 $30.99. They said they didnt have to but were being nice. I was refunded all of the december charges but not the february charges.
I went back to chase bank and talked to the same banker he called the claims line and had me speak to them. I complained that my card not to be charged and that it was fraud. They said they could not do a chargeback and it was not fraud. I explained that I never received or intended for the service to be charged and didnt recieve anything. They continuned on like i wanted and used the service but did not understand the terms. I kept saying that I didnt want the service and was never informed that my card was charged and to cancelled online but was still charged anyways.
They ignored what I was saying and put words into my mouth. They basically knew what my complaint was and had so prepared script to blow me off and was insisting like i was stating things other than I was. They would not listen to me at all on the phone and told me to go back to emusic and work it out with them. I stated on phone many times they were ripping me off and was loud in front of customers.
When it was clear they just wanted me to give up I told the person on the phone I wanted to speak the their fraud department or something similiar to that. She stated they didn't have one. Then I told her many times I wanted to fill out a dispute claim. I was told I could not. I could not believe what I heard! I was in disbelief. The claims department operator refused to allow me to fill out a written dispute form! How is that legal? This occurred on april 5th.
Basically chase just kept telling me to handle it with emusic or called in circles on the phone about nothing with the claims department. They refused to allow me to file a dispute form when I asked for one.
I believe it was the DFI (funny name doesnt sound legit) I contacted and complained about my experience with chase and their refusal to assist me in filling out a dispute form in a timely manner. I received an email from the DFI saying they did not have the authority to take corrective action against chase but would forward my complaint to the OCC, Office of Currency Comptroller, a funny name for an office based in the US so I an unsure as to what thats all about. I received DFI's email on April 5th. Today I received a letter from chase saying that the claim in question is closed and "as we discussed and agreed, your inquiry has been resolved.
I never agreed or discussed anything! They broke the law probably several but noone cares. The blatantly lied to me about my rights, my options, and stalled the claim process clearly hurting consumers.
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