I work for the military and part of my job is to in-process people to the base in doing this I fill out several documents most of which contain the same exact information. Ex. name and phone number. I know credit card companies have software that when you fill out information on the first page its already on the second page. Is there any affordable software or a way that I can do this with my documents?

Technorati Tags: affordable software, credit card companies, job, phone number

I graduated from my second college in December of 2008. While in school, my loans were in deferment from my first school. The company who bought the loan was ACS. I found out recently that "Sunburst Bank" had been reporting my student loans as late from June ‘08 through December ‘08 (while they were in deferment). I called the phone number on my credit report for "Sunburst Bank," and the phone number was for ACS - the company that bought my student loans. As if that wasn’t confusing enough, the lady who said she would send my inquiry on to the "credit reporting department" also said that there was no one to talk with in that department…..leading me to ask then how is this inquiry going to be processed. In the meantime, my credit score has tanked over 100 points, my credit card companies are raising my APRs, my car insurance is rising……and all for something I didn’t do and that isn’t my fault.

How do I get this corrected? I first reported the mistake on August 27, but today when I called the claim is still "pending" and they had no more information than that. They said that it takes 5-7 days for a claim inquiry to be processed through their credit reporting department and that I would be notified when it has been resolved…..but if there is no one to talk with in that department, how is anyone going to notify me???? If there is anyone out there who has an idea what steps I should take, please I’m desperate.

Technorati Tags: acs, aprs, car insurance, claim inquiry, credit card companies, credit report, credit score, insurance, mistake, phone number, reporting department, student loans, sunburst

PayPal account on eBay help please?!!

You see im new ebay and i dont really know how it works…

1. Do you really need to give your card details to sell something?
2. When you buy something using PayPal, how can that work if you don’t have bank account or have not given your card details?
3. If you have sold an item and someone has bought it using PayPal, how do you get your money in cash and how do you know if they have paid?
4. Can i buy items without through card?
5. When you want to bid or buy something, this comes up

"Attention!

In order to maintain a safe trading environment, eBay may limit activity and request additional verification.

At this time we ask that you verify your account.

You have 2 options:
- Phone verification
or
- Credit Card verification

Phone Verification:
We’ll call the phone number registered to your account to verify that you are the account holder. The process is fast, easy and secure.
Click Here to begin.

Credit Card Verification:
The process is immediate and your card will not be charged.
Click Here to begin. "

If i choose Phone Verification, will it ask for my card details? if not what will it ask? if it doesn’t ask for my card details does this mean i can purchase the item?

FINALLY whats:
1. Personal or Banker’s Drafts
2. Postal Order
Please do not give me short answers it won’t help

Technorati Tags: card details, credit card verification, ebay, money, phone number, postal order, safe trading

Need help solving this, guys.

Background

Your assignment this time is to build an interactive program that allows telemarketers to solicit people in a file for credit cards. The program will open up a text file filled with potential customers and display processed data to the screen in a way that the telemarketer can use it. The program will then give them choices to continue the sales call and finally, will save output to a file for future credit card processing.

Functionality

The program should do the following:

•Read a customer status, name and phone number from a file called potentials.txt

oA customer has a preferred status if the field contains an ‘X’. If it contains anything else, they are not preferred.

•Display the name, phone number and the available interest rate for that customer so that the telemarketer can read it, call the customer and offer them a credit card

oPreferred customers get 7.9%, everybody else gets 12.9%

•Display a menu offering the following options:

oEnter ‘A’ to Accept the card
For this option –
Ask for an address to send the card to
Accept the address
Print a thank you message for telemarketer to read telling the Customer to expect the card soon, happy charging

oEnter ‘T’ to accept and Transfer a balance
For this option-
If preferred – tell them there is no transfer limit
•Accept any dollar amount entered
If not preferred – tell them they can transfer up to 00
•Accept any dollar amount entered as long as it isn’t greater than 1000 (keep asking until you get something less than 1000)
Ask for an address to send the card to
Accept the address
Print thank you message for telemarketer to read telling the customer to expect the card soon, happy charging

oEnter ‘D’ to Decline the card
For this option
If preferred – tempt them with cash back rewards and give them a special phone number to call for a better card
If not preferred – tell them thanks anyhow

•Write the results to a file called confirmed.txt

oThis file should contain the following:
Name
Address
Status flag (X or whatever)
If the account is new (A) or transfer (T)
Any dollar amount they may be transferring.

If the customer declines, they should not appear in the confirmed file

Functionality

You must implement at least three functions other than the main function.

Text file called potentials.txt reads:

———————————–
X Joe Scholtz 437-4798
A Tim Wade 768-7658
X Sara Jobs 326-7857
! Jaynce Bee 354-8678
————————————–

Technorati Tags: cash back rewards, choices, credit card processing, credit cards, customer status, interactive program, interest rate, phone number, preferred status, telemarketer, telemarketers

I have a Optimum T4205, one of those credit card swiping machines that charge money on customer’s credit cards. And I accidentally inputted the wrong phone number on the receipt printout. How do I change it?

Technorati Tags: charge money, credit card, credit cards, phone number, receipt

I signed up for a free trial for an online company a year ago then I cancelled my membership. My credit card expired since then but I got an email from them today saying they are "having difficulties processing my credit card". When I called they said they are charging me for membership fee (even though I cancelled my membership already). So what will happen next? The credit card number I gave them a year ago is no longer active, and they don’t have any other information about me either (I used fake address and phone number wen I signed up). Will they be able to go after me?

Technorati Tags: credit card number, email, fake address, free trial, membership fee, phone number

Contrary to popular belief, it’s not illegal but against Visa policy to require ID for acceptance. In other words, you CANNOT deny a sale because I refuse to show ID.

Visa’s official statement:
Some customers write “See ID” or “Ask for ID” in the signature panel, thinking that this is a deterrent against fraud or forgery; that is, if their signature is not on the card, a fraudster will not be able to forge it. In reality, criminals don’t take the time to practice signatures: they use cards as quickly as possible after a theft and prior to the accounts being blocked. They are actually counting on you not to look at the back of the card and compare signatures—they may even have access to counterfeit identification with a signature in their own handwriting. “See ID” or “Ask for ID” is not a valid substitute for a signature. The customer must sign the card in your presence, as stated above.

How many of you knew that?
Visa official statement from merchant agreement:

Although Visa rules do not preclude merchants from asking for cardholder ID, merchants cannot make an ID a condition of acceptance. Therefore, merchants cannot refuse to complete a purchase transaction because a cardholder refuses to provide ID. Visa believes merchants should not ask for ID as part of their regular card acceptance procedures. Laws in several states also make it illegal for merchants to write a cardholder’s personal information, such as an address or phone number, on a sales receipt.
Banja, it’s not for my protection. How is it protecting me when I give a random stranger access to all of my personal information?

Technorati Tags: acceptance procedures, card acceptance, cards, contrary to popular belief, criminals, forgery, fraud, fraudster, handwriting, merchant agreement, merchants, phone number, presence, purchase transaction, random stranger, sales receipt, signature, signatures, visa policy, visa rules

I’m trying to fix bad credit so I applied for a credit card on line and when the bill for a .00 annual service fee arrived before the card, I decided that I didn’t want it. While I was going through all the pages of the on-line application there was one page that stated that I had thirty days to cancel, but the paperwork I got in the mail says nothing about this and to access this page on-line I would have to go through the process of applying for another card (not happening). Also, the paperwork that came with the card says that I have to call a phone number to activate the card before it can be used. QUESTION: Do I need to call or e-mail these people and tell them I don’t want the card anymore (it hasen’t been 30 days yet), or, if I just don’t activate the card does that mean the account has not been verified and so then it becomes null and void?

Technorati Tags: bad credit, credit card, e mail, line application, paperwork, phone number, service fee, thirty days

I took out a 12-month-same-as-cash cred card to pay for a k item. Starting In December I was being hounded by an automated phone call asking to call this 800 #. When I did, I was told I had missed a payment and immediate payment was due, as well as 0 worth of interest and late fees were added. This seemed odd since I paid past payments on time. I checked with my bank, and the check had not cleared. I talked with the co and they would not back out the interest and late fees even though I offered to pay the account off (before interest and fees). I had even spoke to the manager of the agent. In addition, they wanted a .95 processing fee for accepting payment over the phone.

I wrote a check for the original principal in full, sent it to the co via certified mail, and they received it before the next payment due date. The very next day after it was received, I got another call from the company and I did not return. By the weekend, the check was returned, unaccepted.
The company did open it. It was mailed from them along with a letter of non-acceptance because the account would not be paid in full (interest and fees not included) and mailed the original check back with it. They said to call the Collections number for further info. I have yet to do that, but I am sure now it includes yet another late fee and more interest because of this. It was the collections number that I tried to reason with them in the first place.
The letter I sent via certified mail with the check that was returned — it did request that the account be paid in full due to the belief that I should not be responsible for the fees if they misplaced the check.

I do not have the time to call "during business hours" today, but I will call the phone number listed in their reply to talk to them again tomorrow. They seem very stuck up their behind with their answers to my inquiries, that I doubt they will accept "half" payment on fees. I will sure as heck dispute it more if they add more from this certified mail bounce-back.
Here’s a bit of new info. I talked to a new agent and his supervisor (same supe as before) about the recent return of the check. Now the account has *ANOTHER* late fee and interest accrued since "payment was not received by the due date" even though I have certified proof that it was received in their office on the due date, and they refused to even back off that, even though I offered to resend in the check.

Also, if you specify "principal only" on a check, can they legally refuse the payment or take the check and apply it to fees and interest if they so choose?

Technorati Tags: belief that, business hours, certified mail, collections, due date, immediate payment, inquiries, late fees, phone number, quot, reply

I received a pre-approval slip from Target, and I applied for the credit card. After submitting my application, the slip said "requires further processing", and that they will contact me within 10 days. I just called the phone number for Credit Services to see if I could check the status of the processing, and all they told me was that I would receive a mailed response.

I was under the impression that if you applied from a pro-approval slip, you were guaranteed either a Target Visa card, or a Target Credit Card, as long as you could prove who you are, and could enter into a valid contract. Why the mystery, then?
The pre-approval slip states, "You'll get an account if you can legally enter into a contract and we can verify your identity when you apply."

All of you are meaning "pre-qualified". That is different than pre-approved.

Technorati Tags: credit card, mystery, phone number, pre approval, target visa card, valid contract

Has anyone received a call offering a Credit Card from Hoover State Bank? They wanted me to send 0, Western Union to Atlanta, GA, to cover the processing/other fees (which would be refunded to me after a period of time). The Receiver was, Hoover and (my last name). I was told I would receive the card UPS next day and a representative, Abby Palmer, would follow up with me. I was even given a pin # for the card.
Because it was Xmas and I wanted the card to do additional shopping I fell for it. I never received the card and the phone number they gave me is only for transactions and they ask for a card # + the pin #. Since I never received the card and validated it this number is of no use to me. I have tried to look up Hoover State Bank in Atlanta, but there doesn't seem to be a Hoover State Bank in Atlanta.
Even if I can't get my money back I still want people to know that this telephone scam is going on.

Technorati Tags: abby, atlanta ga, credit card, hoover, money, period of time, phone number, shopping, state bank, ups, western union

I run an internet site for profit. The site has customers and a merchant account setup. With the merchant account, I need a phone number listed since I process credit cards. On a few rare occasions, I do receive calls from customers regarding transactions, but not very often. (Twice so far in the past 6 months or so)

What is the best solution for me? To this point, I've just used my personal cell number, but I'd prefer to get the business calls going to a different number.. However, calls are so few I do not find it necessary to purchase another cell plan.

I've considered a few options - one would be to get a prepaid phone and some minutes - it would probably last a long time. The second I just ran across is talkplus.com - apparently I could set it up to provide me with a second number on my mobile for a month.

Would either be ok? The only thing I worry about is it feels like temporary numbers or something - I've never used either. I need to be sure the number wont change
Note: I am in a college apartment and we do not even have a land line available. For this reason, whatever the solution is needs to be mobile.

I like the idea of two numbers with one phone (talkplus.com) - if I have to get a separate phone for the business, I'd have to keep the 'business' phone charged all the time (and carry it around possibly). It would be easier to just manage one phone.

I just don't like the idea of giving out my personal number for a business, even if I hardly use it that way.

Technorati Tags: best solution, college apartment, credit cards, internet site, long time, merchant account setup, personal cell, personal number, phone number, prepaid phone, rare occasions