Kmart commits fraud against customer!

[dscurlock]

This just goes to prove that banks and merchants do not care.

In sept 2010 I went to kmart (for the last time) and bought some merchandise.

So just to skip this and that..I logged into my bank to see a duplicate charge
from kmart, so i filed a dispute with TDBank.com and indicated this must have
been a mistake (double charge) as I have seen this before in the past.

On 12/22/2010 I get the dispute letter from TDBank.com

We have completed our investigation into your visa check card merchant dispute
filed on September 24 2010 in the amount of $53.71. Our investigation has indicated
that an error did not occur and your account will not be credited. wtf?

The merchant in question (Kmart) has denied our chargeback request.They have responded
with evidence that an error did not occur. You will need to contact the merchant directly
for further consideration.

If you have any questions, please contact the debit card operations -
investigations department at (888) 751-9000 ext 8-237-2182

Sincerely

TD Bank N.A.
Debit Card Operations
Investigations

cc: file, claim #REG-NLDE-89LPUC

=====

Other notes: denied chargeback...valid pin activated
transaction - trans are 9 min apart, cardholder swiped
card and entered PIN for each sale. wtf?

==========================

Kmart is saying that the merchandise was bought, then 9 min later
the merchandise was bought again, as they are saying the pin
number was entered, so therefore that must be the reason for the double charge.

I was with my wife when he bought merchandise from kmart, and I know this because
we do not shop at kmart often (I wonder why) and I was the one that found the double
charge when I looked at bank records online.

I was not with my wife at the register, so I can not claim to have seen her buy merchandise
9 min apart, but I did see the merchandise when she got out to the car. There was no double
merchandise, everything in her shopping bag was unique items, no double items, so unless
my wife rebought everything 9 min after the first purchase, then what happened to the merchandise?

If had committed fraud, I would not be posting this, nor would I be up in the
face of kmart and TDBank and when I have time, I will be in their god-damn face.

I see two things.

Kmart is committing fraud with their customers, or
kmart has screwed up and made a mistake in their investigation.

Because at this point, it really sounds like to me that kmart is telling
me that I have committed fraud by purchasing duplicate merchandise
9 min apart, then filing a dispute on one of the transactions.

I was also in kmart at some point, and kmart has few cashiers, and
there was long lines also. I wonder how kmart is going to explain how
my wife would have went back to the end of the line and back to the
cash register in just 9 min? This was not a short line either, and if
she did have double merchandise and was at the register, then why would
it have taken 9 min to ring up another $50 in merchandise?

KMART: You have some explaining to do!

TDBank.com - This is the second time you have screwed me on a legit dispute.
I think our business relationship is coming to an end. You are not protecting my interests.

Article Source:

http://bizwebforum.com/scams/735-kmart-commits-fraud-against-customer.html

[discouraged]

Once I was in a store and became suspicious when the cashier made me enter my pin twice, saying it didn't work and she looked VERY carefully when I entered it. I got suspicious and when I got home, called and reported my card 'lost'. Then I called the store manager and explained that I had lost my card right after I'd been there and resolved it quickly. Would she have tried to use it? I don't know. But, when the bs baramoter rises, I try to listen.

Good luck with your dispute. I do not see how they cannot possible credit you in the end. I would pursue it, and no, I would never go back to Kmart if I were you, other than talking to the manager in person and showing him/her the error. IF it is not resolved, I would contact the BBB and also, if you have anything like a Watchdog at your local newspaper, I would contact them. We have one for our paper and that is all they do is investigate these types of things. I'll bet most companies DO NOT want that in the paper!

[RichM]

The old Commerce Bank was a good bank, as banks go. Ever since it was bought by TD, it's been going downhill in a big way. That was one of the main reasons I swore off banks and moved my meager balances to credit unions.

I definitely would get in their faces over this, though I don't know how far you'll get with it. The fact that TD's had so many problems with its IT infrastructure since the takeover could work in your favor.

-Rich

[Flamingo]

There is no fraud here, just some sort of error. K-Mart is advising you the card was swiped twice and the pin entered twice and both have to occur for the sale to go through. I am assuming something was wrong with the first sale and it needed to be cancelled out or revised when your wife was making her purchase and then redone. Due to human or other error, you got hit twice for the purchase. That can happen if the original purchase was not fully cleared out of the system. If K-Mart or any other store did this all the time, it would be making newspaper news since they would have to hit a lot of customers to make money off of this scenario and do it over a period of time hoping no one notices. Unless there was someone nine minutes behind your wife witih your exact same card and pin number, I believe due to human or computer error that the transaction just went through twice due to an initial input error, the sale redone and the first sale not eliminated and then the sale rung up again. I would take all your information, receipts showing the times and any notes you have into the manager for that particular K-Mart and get an explanation and if not resolved to your satisfaction, tell them you will contact the local news channels and the newspapers. Best of luck to you.

[espo1357]

There is no fraud here, just some sort of error. K-Mart is advising you the card was swiped twice and the pin entered twice and both have to occur for the sale to go through. I am assuming something was wrong with the first sale and it needed to be cancelled out or revised when your wife was making her purchase and then redone. Due to human or other error, you got hit twice for the purchase. That can happen if the original purchase was not fully cleared out of the system. If K-Mart or any other store did this all the time, it would be making newspaper news since they would have to hit a lot of customers to make money off of this scenario and do it over a period of time hoping no one notices. Unless there was someone nine minutes behind your wife witih your exact same card and pin number, I believe due to human or computer error that the transaction just went through twice due to an initial input error, the sale redone and the first sale not eliminated and then the sale rung up again. I would take all your information, receipts showing the times and any notes you have into the manager for that particular K-Mart and get an explanation and if not resolved to your satisfaction, tell them you will contact the local news channels and the newspapers. Best of luck to you.

Besides, we can surely come up with a few thousand other examples of how corporations like to give us the shaft.

[helpme2010]

This just goes to prove that banks and merchants do not care.

In sept 2010 I went to kmart (for the last time) and bought some merchandise.

So just to skip this and that..I logged into my bank to see a duplicate charge
from kmart, so i filed a dispute with TDBank.com and indicated this must have
been a mistake (double charge) as I have seen this before in the past.

On 12/22/2010 I get the dispute letter from TDBank.com

We have completed our investigation into your visa check card merchant dispute
filed on September 24 2010 in the amount of $53.71. Our investigation has indicated
that an error did not occur and your account will not be credited. wtf?

The merchant in question (Kmart) has denied our chargeback request.They have responded
with evidence that an error did not occur. You will need to contact the merchant directly
for further consideration.

If you have any questions, please contact the debit card operations -
investigations department at (888) 751-9000 ext 8-237-2182

Sincerely

TD Bank N.A.
Debit Card Operations
Investigations

cc: file, claim #REG-NLDE-89LPUC

=====

Other notes: denied chargeback...valid pin activated
transaction - trans are 9 min apart, cardholder swiped
card and entered PIN for each sale. wtf?

==========================

Kmart is saying that the merchandise was bought, then 9 min later
the merchandise was bought again, as they are saying the pin
number was entered, so therefore that must be the reason for the double charge.

I was with my wife when he bought merchandise from kmart, and I know this because
we do not shop at kmart often (I wonder why) and I was the one that found the double
charge when I looked at bank records online.

I was not with my wife at the register, so I can not claim to have seen her buy merchandise
9 min apart, but I did see the merchandise when she got out to the car. There was no double
merchandise, everything in her shopping bag was unique items, no double items, so unless
my wife rebought everything 9 min after the first purchase, then what happened to the merchandise?

If had committed fraud, I would not be posting this, nor would I be up in the
face of kmart and TDBank and when I have time, I will be in their god-damn face.

I see two things.

Kmart is committing fraud with their customers, or
kmart has screwed up and made a mistake in their investigation.

Because at this point, it really sounds like to me that kmart is telling
me that I have committed fraud by purchasing duplicate merchandise
9 min apart, then filing a dispute on one of the transactions.

I was also in kmart at some point, and kmart has few cashiers, and
there was long lines also. I wonder how kmart is going to explain how
my wife would have went back to the end of the line and back to the
cash register in just 9 min? This was not a short line either, and if
she did have double merchandise and was at the register, then why would
it have taken 9 min to ring up another $50 in merchandise?

KMART: You have some explaining to do!

TDBank.com - This is the second time you have screwed me on a legit dispute.
I think our business relationship is coming to an end. You are not protecting my interests.

Article Source:
http://bizwebforum.com/scams/735-kma...-customer.html

I would demand to see the security camera footage for proof of the double payment (if 9 mins apart as they say, then it would be shown that you made this transaction or somebody 9 mins later). I would also file a complaint with the BBB (it only takes a few minutes). Possibly with the federal trade commission (not sure about this one), but the BBB will get results for you.

I would also contact the corporate headquarters of K-Mart and demand to speak with the public relations, marketing department, and customer service. Customer service at the regular number won't do crap, you have to go to the corporate office and speak to various personnel to get action.

You can even contact the attorney generals office and file a complaint if nothing else gets resolved. Believe me, they will listen to you as you get into these steps.

[free2breathe]

I'm confused, dscurlock. Did this happen to you, or were you just sharing the link from this other forum?

[beyoka]

this kind of thing once happened to me , but that was not the fault of the store , a hacker hack there system and he do this kind of thing but in my case the amount was transferred twice and the thing was bought double time .

[GoingDown]

Once I was in a store and became suspicious when the cashier made me enter my pin twice, saying it didn't work and she looked VERY carefully when I entered it. I got suspicious and when I got home, called and reported my card 'lost'. Then I called the store manager and explained that I had lost my card right after I'd been there and resolved it quickly. Would she have tried to use it? I don't know. But, when the bs baramoter rises, I try to listen.

Good luck with your dispute. I do not see how they cannot possible credit you in the end. I would pursue it, and no, I would never go back to Kmart if I were you, other than talking to the manager in person and showing him/her the error. IF it is not resolved, I would contact the BBB and also, if you have anything like a Watchdog at your local newspaper, I would contact them. We have one for our paper and that is all they do is investigate these types of things. I'll bet most companies DO NOT want that in the paper!

I had something very similar happen to me, where I was using a debit card (from a checking account that I had back then), and I simply was following the prompts on the little screen, and it seemed to indicate that the purchase had gone through. Then the cashier asked me to swipe my card again and do it all over because the purchase had not gone through. I thought that seemed weird at the time and I should have listened to my gut on that matter, but I went ahead and did it all over again, and entered my pin for a second time. Well, when my monthly checking account statement came out, I had two separate charges from the same store, for the same amount, on the same day. I had to dispute it, and the store fought me, and my bank did not believe me. It took a great deal of effort to get that money back.

Since then, for many reasons, I have gone to mainly using cash for most store purchases. I even carry a small sack of coins in my pocket to make exact change so I know exactly how much money I should be getting back from the cashier. That comes in very handy, because one time a cashier actually tried to cheat me. I gave her a $50 bill and the exact change in coins, and she gave me back change for a $20 bill. Because I was so focused on exactly how much I should get back, I knew immediately, before she even put the money in my hands, that she had made a mistake. And I told her so, before I put any of the money into my hands.