ISP Information:
This technology was introduced by Western Digital. The idea behind it is that slower drives such as CD and DVD drives would attach directly to larger, faster hard drives. There would be a 10-pin connector between the hard drive and the other peripheral, as opposed to the 40-pin IDE connector. A portion of the hard drive would be used as cache for the CD drive or other device. This was touted to speed up CD-ROM drives by
ISP Glossary:
Storage Data Acceleration - The Better Business Bureau is not much more than a mutual admiration societyfor its members...don't waste your time there. Correspond with your bank inwriting always copying the State Banking Commissioner in both the state youopened the account in as well as your current state. Sometimes adding theState Attorney General to the cc: list helps to straighten things outquicker (it has for me twice).Good luck. And don't give in. Also, technically, they cannot keep makingthe account go negative and expect you to pay it...the worst they can(legally) do is make it go to zero then close it. Though, in this instancethat wouldn't be legal in any state that I know of."Sean" wrote in messagenews:40DA1FEA.7FA2E192@NOSPAMpeoplepc.com... Here's my problem. On June 9,2004 a thief used my debit card number to purchase an item or times totalling $36.73 on Ebay.com (I still have physical possession of the card). Charter One Bank allowed this fraudulent charge, even though it exceeded the amount of money I had in my account at the time. At the time I only had $8.69 in my account, causing an overdraft of $28.04. I haven't made a debit from my account since early May, and I have never caused an overdraft. Charter One bank has since charged me two overdraft/negative balance fees of $33, and will continue to charge me another $33 again every four business days as long as my account has a negative balance. The reason my account is at a negative balance is because Charter One allowed a fraudulent charge against an account where there were insufficient funds to cover it. I am living in Texas now, and there are no Charter One branches I can go to to make a deposit. Also I am unemployed and may not have the funds to pay these charges and get my account out of a negative balance. However, that will not stop Charter One Bank from continuing to charge me another $33 every four business days. I am already at a balance of - $133, and climbing! I am disputing the debit card charge, however, the Charter One representative who I talked to on the phone told me that I would have to wait to receive paperwork in the mail. In the time it takes me to receive that paperwork and mail it back in, I may well be charged another two or three overdraft/negative balance fees. And I will be charged even more overdraft fees in the time it takes for the dispute forms to be processed. This could end up costing me hundreds of dollars, all for an overdraft which I did not make! I feel that this is an unfair business practice to continue to punish me with fees for a charge that was made by someone who (apparently) stole my debit card number and used it to purchase items from Ebay. On the other hand, even if I had made the overdraft I would still be upset that they would be hitting me with this fee every four days. Does anybody have suggestions about what I can do? So far I've contacted Charter One Bank, and all they have done for me is cancel the debit card and have mailed me forms to fill out and send back in. I asked if they can waive the negative balance fees pending my dispute of the fraudulent charge, but they will not do that. I have also contacted the Comptroller of Currency via email, and will follow up with a written letter. I contacted the Better Business Bureau too, but don't expect much from that. Well, I hope the lovely person who used my debit card number on Ebay enjoys whatever they bought! It's just caused me a lot of aggravation and I face the possibility of owing hundreds of dollars in fees to Charter One Bank because I can't pay off this negative balance right now. Thanks in advance to anyone who has any advice on how to handle this ...
|
