On Sept 24th I received a text from my bank that alerted me to a large charge in the amount of $885.79 at the Naperville, IL Comp USA. This charge left my account below the minimum balance I had set up with my bank. I was very concerned because I had not made any purchases at that store. I immediately called my bank to stop the charge but since it was a pending transaction I was told my only option was to either wait for the charges to go through or contact the store that made the charge on my account. So I called the Comp USA in Naperville & was told they were now closed & there was nothing they could do to help me. I was very angry!
So I decided to go to the store and talk to someone as soon as it opened Saturday morning. Once again no one was willing to help. Since I was a frequent shopper at this location before this situation happened, I decided to return everything I purchased in the last month. At the time of the return I handed the cashier several items and the receipts. I also handed her a MasterCard that most of those items had originally been purchased on.instead of crediting back the MasterCard I handed her. She did a credit to my account the fraud was made on. At the time I was so upset about the lack of customer service in regards to the $885 fraud charge I didn't even notice what account was getting the credit for the returned items. To this day I do not know how she was able to credit my checking account instead of the MasterCard I gave her.
To make matters worse this company turned around and charged the amount not only once but twice I had 2 pending charges for the exact amount from the same location. It wasn't until almost a week later that the returned items credit showed up in my checking. Now I had 2 charges for $885 and a credit for $718. My bank was able to reverse one of the charges but they were told the second was an anti-fraud charge by Comp USA. I still don't understand this logic. From my point of view someone used a stolen bank card to make purchases in the store. So in their infinite wisdom the store authorized the transaction twice to prevent fraud? Who does that?
So, my bank was able to reverse 1 of the $885 charges on Nov. 2nd but was never able to reverse the 2nd. As it stands now, Comp USA admits to the fraud charges but at the same time they are claiming my returned merchandise was a partial credit back for the 2nd $885 charge. Because of this, my bank took $718 out of my account and gave it back to Comp USA on Dec. 3rd. At this point, Comp USA owes me a full refund for $885.78 in regards to the fraud claim and $718.51 for my returned merchandise.
I have tried and tried to deal with the store, their 800 number and my bank about this since September. It has gotten me no where! I have had to deal with overdraft fees, loss of work and some pretty extreme stress.
At this point I am going to post on every website that I can find for people to beware of Comp USA/Tiger Direct in Naperville, IL. This store will rob you blind and they only care about 1 thing, their bottom dollar. They can care less about who really owns the bank card they are allowing someone else to use so long as they are making sales. If the bank reverses 1 of the charges they still have the second 1 to fall back on. There are so many things wrong with this situation. I cannot believe in this day and age, with so many laws in place that something like this could happen to someone.
As you can imagine with amounts in question, just completely ruined this holiday season has been for me. I'm a single mom with 2 kids and I work very hard for them. For the 1st time in a long time I was looking forward to the holidays because I saved all year. Now I am sitting here with barely 10 days left until Christmas and because of this entire mess I am left broke, bitter, and angry and upset.
So Merry Christmas to the jerk who started this whole mess. I hope whatever you bought catches on fire and burn your home down with you in it.
Merry Christmas to Comp USA, since they allowed this to happen and they don't seem to care about anything but their sales and ripping people off. I hope someday you go out of business from bad press like this! I really hope someone reads this and chooses never to step foot in your store again. I know I won't and believe me you lost a great customer over this whole matter too!
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