Warning: Do Not Buy from Circuit City

I purchased a computer online on 12/14/2007. I live in Alaska but
wanted my daughter to pick up the computer and software in Wayne, New
Jersey. My daughter teaches school in New Jersey and needed the
computer before the weekend so I thought she could pick it up at the
store. I called Circuit City and got someone in manila (I asked) and
explained the situation. They said it would be up to the store. So I
tried to call the store and after going through about 6 of those press
this number or that I finally got someone that said to call back and
press 0 for customer service. I called back and pressed 0 and got
some girl that put me on hold. I called back again and asked for the
store manager and again was put on hold. I called my daughter in New
Jersey and she said her Mom lived right next to the store and she
would try to pick up the computer. So the next day (Saturday) I
called the store five times and five times customer service placed me
on hold or hung up. My x-wife was at the store at the time and she
called me and said there was no way she could pick up the computer and
that I would have to cancel the order and wire her the money. So I
cancelled the order and wired her $1400 using Western Union. She
bought the computer using the very same order that I had done online.
The store tried to charge her $29 instead of the $19 on the order for
the wireless mouse and they left the Microsoft Office $149 software
out of the bag and she caught it so they then said they had forgotten
the software.
Now the bummer. The original order was paid for by debit card and the
money was given to Circuit City as shown in my online bank record. It
now has been 7 days and they still have my money for the canceled
order. I called yesterday and again got some guy in Manila who said
the money for the canceled order would not go back into my bank
account for 2 to 5 business days and that they still have until
tomorrow, Friday to put the money back in. Funny how they can
immediately take the money, but have to wait a week to put the money
back. Do Not Buy From Circuit City! I making this post all over the
Internet to teach these bums a lesson.

Gerald Newton wrote:
I purchased a computer online on 12/14/2007. I live in Alaska but
wanted my daughter to pick up the computer and software in Wayne, New
Jersey. My daughter teaches school in New Jersey and needed the
computer before the weekend so I thought she could pick it up at the
store. I called Circuit City and got someone in manila (I asked) and
explained the situation. They said it would be up to the store. So I
tried to call the store and after going through about 6 of those press
this number or that I finally got someone that said to call back and
press 0 for customer service. I called back and pressed 0 and got
some girl that put me on hold. I called back again and asked for the
store manager and again was put on hold. I called my daughter in New
Jersey and she said her Mom lived right next to the store and she
would try to pick up the computer. So the next day (Saturday) I
called the store five times and five times customer service placed me
on hold or hung up. My x-wife was at the store at the time and she
called me and said there was no way she could pick up the computer and
that I would have to cancel the order and wire her the money. So I
cancelled the order and wired her $1400 using Western Union. She
bought the computer using the very same order that I had done online.
The store tried to charge her $29 instead of the $19 on the order for
the wireless mouse and they left the Microsoft Office $149 software
out of the bag and she caught it so they then said they had forgotten
the software.
Now the bummer. The original order was paid for by debit card and the
money was given to Circuit City as shown in my online bank record. It
now has been 7 days and they still have my money for the canceled
order. I called yesterday and again got some guy in Manila who said
the money for the canceled order would not go back into my bank
account for 2 to 5 business days and that they still have until
tomorrow, Friday to put the money back in. Funny how they can
immediately take the money, but have to wait a week to put the money
back. Do Not Buy From Circuit City! I making this post all over the
Internet to teach these bums a lesson.

I can understand why the lady is your ex-wife.

"Gerald Newton" wrote in message
...
I purchased a computer online on 12/14/2007. I live in Alaska but
wanted my daughter to pick up the computer and software in Wayne, New
Jersey. My daughter teaches school in New Jersey and needed the
computer before the weekend so I thought she could pick it up at the
store. I called Circuit City and got someone in manila (I asked) and
explained the situation. They said it would be up to the store. So I
tried to call the store and after going through about 6 of those press
this number or that I finally got someone that said to call back and
press 0 for customer service. I called back and pressed 0 and got
some girl that put me on hold. I called back again and asked for the
store manager and again was put on hold. I called my daughter in New
Jersey and she said her Mom lived right next to the store and she
would try to pick up the computer. So the next day (Saturday) I
called the store five times and five times customer service placed me
on hold or hung up. My x-wife was at the store at the time and she
called me and said there was no way she could pick up the computer and
that I would have to cancel the order and wire her the money. So I
cancelled the order and wired her $1400 using Western Union. She
bought the computer using the very same order that I had done online.
The store tried to charge her $29 instead of the $19 on the order for
the wireless mouse and they left the Microsoft Office $149 software
out of the bag and she caught it so they then said they had forgotten
the software.
Now the bummer. The original order was paid for by debit card and the
money was given to Circuit City as shown in my online bank record. It
now has been 7 days and they still have my money for the canceled
order. I called yesterday and again got some guy in Manila who said
the money for the canceled order would not go back into my bank
account for 2 to 5 business days and that they still have until
tomorrow, Friday to put the money back in. Funny how they can
immediately take the money, but have to wait a week to put the money
back. Do Not Buy From Circuit City! I making this post all over the
Internet to teach these bums a lesson.

I happen to know the intimate details of credit card processing, including
debit card processing. It is not CC that keeps the hold on your card that
long, it is the credit card company.

Maybe CC should file a lawsuit against you for slander and malicious false
accusations.

On Thu, 20 Dec 2007 14:22:41 -0800 (PST), Gerald Newton
wrote:

I purchased a computer online on 12/14/2007. I live in Alaska but
wanted my daughter to pick up the computer and software in Wayne, New
Jersey. My daughter teaches school in New Jersey and needed the
computer before the weekend so I thought she could pick it up at the
store. I called Circuit City and got someone in manila (I asked) and
explained the situation. They said it would be up to the store. So I
tried to call the store and after going through about 6 of those press
this number or that I finally got someone that said to call back and
press 0 for customer service. I called back and pressed 0 and got
some girl that put me on hold. I called back again and asked for the
store manager and again was put on hold. I called my daughter in New
Jersey and she said her Mom lived right next to the store and she
would try to pick up the computer. So the next day (Saturday) I
called the store five times and five times customer service placed me
on hold or hung up. My x-wife was at the store at the time and she
called me and said there was no way she could pick up the computer and
that I would have to cancel the order and wire her the money. So I
cancelled the order and wired her $1400 using Western Union. She
bought the computer using the very same order that I had done online.
The store tried to charge her $29 instead of the $19 on the order for
the wireless mouse and they left the Microsoft Office $149 software
out of the bag and she caught it so they then said they had forgotten
the software.
Now the bummer. The original order was paid for by debit card and the
money was given to Circuit City as shown in my online bank record. It
now has been 7 days and they still have my money for the canceled
order. I called yesterday and again got some guy in Manila who said
the money for the canceled order would not go back into my bank
account for 2 to 5 business days and that they still have until
tomorrow, Friday to put the money back in. Funny how they can
immediately take the money, but have to wait a week to put the money
back. Do Not Buy From Circuit City! I making this post all over the
Internet to teach these bums a lesson.


You should have checked about the arrangements BEFORE you purchased
the computer. By the way, credit cards have more safeguards than
debit cards.
Thumper

Mark A wrote:
ternet to teach these bums a lesson.


I happen to know the intimate details of credit card processing, including
debit card processing. It is not CC that keeps the hold on your card that
long, it is the credit card company.

Debit cards are sucker plastic.

Maybe CC should file a lawsuit against you for slander and malicious false
accusations.


Good point.

Elmo P. Shagnasty wrote:
In article ,
Sam Spade wrote:


I happen to know the intimate details of credit card processing, including
debit card processing. It is not CC that keeps the hold on your card that
long, it is the credit card company.

Debit cards are sucker plastic.


How so?

I guess cash is sucker paper, then.

Nope. Cash is cash. Debit cards are "ultra cash"

You need to read some of the alarming articles about debit cards, the
most recent of which appears in Consumer Reports.

Like the lady that reserved some rooms at a hotel using a debit card
with one of those phony credit card logos. The hotel placed a hold on
$580, which sucked out her checking account into overdraft-land. Then,
the bank slaps big overdraft fees on her.

Or, the lady who keeps small balances in her checking account. She
swipes her debit card at a gas station and the station places a $75 hold
on her purchase. She ended up buying $25 worth of gas. The hold was
released the next day, after she enter overdraft-land with all the fun
charges.

Or, the man who used a debit card at a crooked gas station that captured
his card number and PIN, and was able to duplicate his card and go off
on a spending spree because he had (past tense, big time) a big balance
in his checking account.

Then, there is the not insignificant fact that federal law offers far
less consumer protection on debit cards than on real credit cards.

Plus, when something goes wrong with a credit card you still have the
money while you argue (unless you are stupid enough to have an automatic
debit payment arrangement for your credit card ;-) )

Many people who can't handle credit have sought credit counseling, paid
off their credit cards and closed them. In turn, they use debit cards,
which they are constantly having go into overdraft-land. Their annual
overdraft fees and panelties end up being more than their previous
terrible annual credit card interest, fees, and penalties.

"Elmo P. Shagnasty" wrote in message
...
In article ,
Sam Spade wrote:

I happen to know the intimate details of credit card processing,
including
debit card processing. It is not CC that keeps the hold on your card
that
long, it is the credit card company.

Debit cards are sucker plastic.

How so?

I guess cash is sucker paper, then.

Elmo, I just knew you could be verbose, when given the right circumstances

On Fri, 21 Dec 2007 07:08:25 -0800, Sam Spade
wrote:

Elmo P. Shagnasty wrote:
In article ,
Sam Spade wrote:


I happen to know the intimate details of credit card processing, including
debit card processing. It is not CC that keeps the hold on your card that
long, it is the credit card company.

Debit cards are sucker plastic.


How so?

I guess cash is sucker paper, then.

Nope. Cash is cash. Debit cards are "ultra cash"

You need to read some of the alarming articles about debit cards, the
most recent of which appears in Consumer Reports.

Like the lady that reserved some rooms at a hotel using a debit card
with one of those phony credit card logos. The hotel placed a hold on
$580, which sucked out her checking account into overdraft-land. Then,
the bank slaps big overdraft fees on her.

Or, the lady who keeps small balances in her checking account. She
swipes her debit card at a gas station and the station places a $75 hold
on her purchase. She ended up buying $25 worth of gas. The hold was
released the next day, after she enter overdraft-land with all the fun
charges.

Or, the man who used a debit card at a crooked gas station that captured
his card number and PIN, and was able to duplicate his card and go off
on a spending spree because he had (past tense, big time) a big balance
in his checking account.

Then, there is the not insignificant fact that federal law offers far
less consumer protection on debit cards than on real credit cards.

Plus, when something goes wrong with a credit card you still have the
money while you argue (unless you are stupid enough to have an automatic
debit payment arrangement for your credit card ;-) )

Many people who can't handle credit have sought credit counseling, paid
off their credit cards and closed them. In turn, they use debit cards,
which they are constantly having go into overdraft-land. Their annual
overdraft fees and panelties end up being more than their previous
terrible annual credit card interest, fees, and penalties.


I know many people who ran up significant penalties because a debit
card will let you spend money above your balance and charge you a $39
overdraft fee. Most of these people thought that the computer would
just refuse the transaction if you didn't have enough money in your
account. With cash when your pocket is empty it's empty.
Thumper

On Fri, 21 Dec 2007 13:01:21 -0500, "Jim" jimmy AT hotmail.com
wrote:


"Sam Spade" wrote in message
...
Elmo P. Shagnasty wrote:
In article ,
Sam Spade wrote:


I happen to know the intimate details of credit card processing,
including debit card processing. It is not CC that keeps the hold on
your card that long, it is the credit card company.

Debit cards are sucker plastic.


How so?

I guess cash is sucker paper, then.

Nope. Cash is cash. Debit cards are "ultra cash"

You need to read some of the alarming articles about debit cards, the most
recent of which appears in Consumer Reports.

Like the lady that reserved some rooms at a hotel using a debit card with
one of those phony credit card logos. The hotel placed a hold on $580,
which sucked out her checking account into overdraft-land. Then, the bank
slaps big overdraft fees on her.

Or, the lady who keeps small balances in her checking account. She swipes
her debit card at a gas station and the station places a $75 hold on her
purchase. She ended up buying $25 worth of gas. The hold was released
the next day, after she enter overdraft-land with all the fun charges.

Or, the man who used a debit card at a crooked gas station that captured
his card number and PIN, and was able to duplicate his card and go off on
a spending spree because he had (past tense, big time) a big balance in
his checking account.

Then, there is the not insignificant fact that federal law offers far less
consumer protection on debit cards than on real credit cards.

Plus, when something goes wrong with a credit card you still have the
money while you argue (unless you are stupid enough to have an automatic
debit payment arrangement for your credit card ;-) )

Many people who can't handle credit have sought credit counseling, paid
off their credit cards and closed them. In turn, they use debit cards,
which they are constantly having go into overdraft-land. Their annual
overdraft fees and panelties end up being more than their previous
terrible annual credit card interest, fees, and penalties.


Well most of this reads as the same warning the guy spreading this spam
should listen to.
Buyer beware and read the fine print.

ALL hotels place a hold against debit cards for the length of the stay.
Buyer beware. Read the fine print.

What fine print would that be? It isn't a debit card policy. It's a
hotel policy and they have never volunteered that info unless asked.
Thumper
With the cost of gas going so high many stations are placing holds against
debit cards due to not getting there $$. Buyer beware. Read the fine print.

Nothing is to stop people from taking your credit card number and going hog
wild with it anytime you hand it to a waiter or use it in public. No PIN
code needed.

I did not read anything above that made me believe the 'debit card system'
itself is at fault. Seems all on the user if you ask me.

On Fri, 21 Dec 2007 13:35:41 -0500, "Jim" jimmy AT hotmail.com
wrote:


"Thumper" wrote in message
.. .

I know many people who ran up significant penalties because a debit
card will let you spend money above your balance and charge you a $39
overdraft fee. Most of these people thought that the computer would
just refuse the transaction if you didn't have enough money in your
account. With cash when your pocket is empty it's empty.
Thumper


Isn't this again the fault of the user for not knowing how much money he
has?



No. For instance, many employers are now paying their help by direct
depositing into an account at a bank of the employer's choosing. They
have their employees sign up and they receive a debit card. Many of
these employees are students etc. How would they know that they can
withdraw money from an account with no money in it? It used to be
that you had to sign up for overdraw protection.
Not the debit cards fault?
Many credit cards will also let you charge over limit, happily applying fees
as you go.

How many banks would let you walk in and withdraw money from an empty
account? The problem is that Debit cards are also ATM cards. They
don't check your balance before they give you money. At the very
least they should automatically check your balance.
Thumper