Finally, the credit card company ruled in our favor. But I'm totally mad at them because I feel like they've held us hostage for months. Here's what burns me up about the bank. First of all, we showed that we canceled on time and properly. But they allowed VG to dispute that. VG responded by sending a copy of the contract. So the CC company said, "Well, you signed a contract" and ruled in their favor. So then I reiterated that we had canceled properly, but that if that wasn't enough, I also presented plenty of proof of fraudulent activity. So what did the CC company do? They gave VG more than two months to dispute! Really? In the face of all the evidence they are so gracious to scammers. Well, then I spent days researching all the bogus companies, copying comments on forums, etc. I sent the CC company all kinds of further evidence and told them that I was filing with Profeco (which I did). VG did not bother to respond this time. So here's what really gets me about the CC company. In the first place, we called from Mexico and told them to close the account and why. But instead, they changed the credit card number and kept the account open, then they allowed VG to charge it back! I would think that's illegal. But when we asked a representative why they did that, he said he couldn't understand it. It shouldn't have happened. And yet, they still didn't rule in our favor. And what I've found out about the so-called "fraud investigator" is that he obviously doesn't investigate fraud. I gave him all kinds of evidence and I doubt he even looked at it. All he did was send us letters saying that he was giving VG so much time to dispute. When the annual fee for this card comes due, I'm closing this account. I'm pretty sure they will fall all over themselves trying to keep us as customers. And what I will tell them is this: We have had this card for 15 years. We have always paid on time. We have excellent credit. But we have other cards, including American Express. We do not need this bank. Furthermore, I will say that there is nothing they can do to make up for the sleepless nights or the days I wasted having to investigate VG's fraudulent activities--evidence of wrongdoing that the fraud investigator completely ignored. The truth is even though we knew we were in the right, we couldn't trust our credit card company to rule in our favor! That put a lot of stress on us. So I'm done with their stinkin' bank. This is long, so tomorrow I will post some info on VG that might help others.
Kathryn D.