You'd have a lot more people reading this if you put in some punctuation. That's way too long for two sentences, it's headache-inducing.
Most credit cards do require that disputes be put into writing. If your instructions on this card's statements say they'll do it by phone, then you should complain up the corporate ladder and to the BBB.
AniOR -- why would someone from the banks be telling people how to AVOID overdraft fees? The banks want to keep collecting that money.
AniOR -- why would someone from the banks be telling people how to AVOID overdraft fees? The banks want to keep collecting that money.
AniOR -- why would someone from the banks be telling people how to AVOID overdraft fees? The banks want to keep collecting that money.
AniOR -- why would someone from the banks be telling people how to AVOID overdraft fees? The banks want to keep collecting that money.
"Smart"Consumer100 must work for the banks. That's the only possible reason for such hatred against someone who tells people how to AVOID overdraft fees. Using "experience and common sense, " by the way.
Which banks are paying you to be their shill?
Did you or her mother sit down with this 14-year-old child and explain to her what is and is not included on the phone's plan? So that she would know what she can do with it and what she can't?
If the answer is yes, then it is her fault, and she needs to learn responsibility. She should do as much babysitting, etc. as possible for as long as it takes her to repay this bill. It is not Cingular's responsibility to teach her, it's her family's responsibility.
If the answer is no, then it is entirely the fault of you or her mother, whichever of you decided you couldn't be bothered to be sure she knew what she could use the phone for. Why should Cingular "help her with credits"?
There are safeguards, you just want to blame the phone company for something they had no control over. Stand up and take responsibility for your own actions, or lack thereof. And if it was you who didn't bother telling the girl what was on the plan, you'd better hope her mother speaks to you again someday. But I wouldn't bet on it.
