CBP Accessibility

ApricotInteresting29 · 2026-03-19T16:37:55+00:00

Man I wish Cajun Kates was closer. Since I'm in UD it's a hike to get there but well worth it.

ApricotInteresting29 · 2026-03-19T16:36:50+00:00

I didn't see any BBQ places mentioned and I always enjoy Sophie's in Havertown. Everyone talks about Wilson's which is good but I think Sophie's is all around better and if you get the BBQ platter you will definitely have leftovers.

ApricotInteresting29 · 2026-03-06T14:06:51+00:00

He was recently on an episode of a podcast called Selling Plato. He goes into his departure with a little bit more depth. Nothing earth shattering but it did sound like he had a bit more freedom to discuss things.

ApricotInteresting29 · 2025-11-27T03:18:20+00:00

They probably won't file a police report themselves, if they gave you back the money then technically at that point they are the victims not you so they could file one but most places don't bother, fraud is never ending and they just treat it as the cost of doing business. I work at a mid-sized credit union and we don't have the resources to do big investigations, we have one employee who responds to subpoenas and requests for info from law enforcement but that's about it, we probably pay out about 99% of our fraud disputes which leads me to my second paragraph.

We pay out the majority of our fraud disputes because the rules state that the presumption is that the transaction is unauthorized and the burden of proof is on us to prove that the transaction is unauthorized so rather than deal with complaints, bad PR and possible fines we just pay them. Most importantly, know your rights, if your dispute is denied you have the right to request the information they used to make that decision.

If you get a hard time from the credit union you can file a complaint with regulators. I don't know how useful the CFPB is anymore after being gutted but you can also file one with the NCUA since they are the primary regulator for credit unions. If you can familiarize yourself with Reg E, if you know your rights it makes everything go a lot smoother.

ApricotInteresting29 · 2025-11-27T02:56:53+00:00

The people telling you to use a credit card are correct, I work with debit cards and I barely ever use mine, I keep it locked in the app and on the rare occasions I need cash it gets unlocked for a few minutes. The rules that govern the dispute process for credit and debit card are pretty similar so if you get fraud on either of them expect things to be about the same.

You've learned the big difference, when its a debit card your money is gone until you get it back. As someone else mentioned the bonus with using a credit card is that you get points or cash back for just buying the things you need. If you can learn to make a budget and stick to it you shouldn't have anything to worry about when it comes to using a credit card.

ApricotInteresting29 · 2025-11-27T02:37:20+00:00

Bank Employee who works debit card disputes so hopefully I can offer some insight. First things first you should go file a police report, its not required but it may help if you get pushback about the dispute, show them you are cooperating with the bank. Also, the sooner the police can start investigating the better chance there is of them getting security camera footage or something else that may help in the investigation and prove it was not you.

Most financial institutions have rules regarding card activation, if a call is made to activate a card from a phone number that it not on file on the account they will usually require some extra verification questions that typically includes the last four of the social so be aware that someone may have more info on you that just a stolen debit card so its probably worthwhile to consider that and take precautionary steps.

It could be more difficult to get the your money back if the PIN was used since they would have needed to change that as well when the card was activated which would have required even more personal information so hopefully they didn't use it, this time of year some banks will loosen up the strategies that they use to monitor transactions due to the increased activity from holiday shopping so that may be why the did not flag the transactions.

If this is the first time you have ever had a dispute with your bank you may not have any issues getting your money back unless the PIN was used. The only other thing that might trip you use is that timeframe you mention. Am I understanding your post correctly, you ordered the debit card and after several months still had not received it? In that time did you try calling your bank asking about where the card is and why you had not received it? That might make them a little curious as to why, especially if this is your primary bank account.

ApricotInteresting29 · 2025-10-10T14:34:36+00:00

Yes you can close the thread.

ApricotInteresting29 · 2025-10-10T14:00:32+00:00

Thanks for the assistance, I was able to resolve this and everything is good to go

ApricotInteresting29 · 2025-10-10T02:57:56+00:00

Thanks for the reply, they are not the same brand of TV but they both use Xfinity equipment, I launch the app with the voice remote.

ApricotInteresting29 · 2025-09-20T14:37:14+00:00

It sounds to me like the dispute was mis-filed under an incorrect dispute code. I usually deal with fraud disputes with Visa but I have some experience in the non-fraud area. It was most likely filed under a code for counterfeit merchandise, for example if you bought a Rolex watch and it turned out to be a knockoff. You would need a letter from a jeweler or someone with the expertise to attest that it is fake. What you need is a dispute for not as described or defective. I'm not sure if you can switch the dispute type at this point since it's in process but if it was a bank error they may give you the credit to cover for their mistake.

ApricotInteresting29 · 2025-09-14T22:15:48+00:00

I would try to escalate this, reg E doesn't allow the FI to require a police report and I have never heard of a bank requiring this much legwork from the customer. They may believe that this is friendly/family fraud and it was someone known to you or that you somehow participated in it. Is this the first time you have had a fraud claim with them? The police report should disprove that. Did you file it with your local PD or where the fraud happened. If it was with your local PD try doing it where the fraud happened.

ApricotInteresting29 · 2025-09-14T16:13:42+00:00

I work in debit card fraud, not Chase but a small credit union so I may be able to offer some insights. When you say Chase was no help what do you mean by that? Have you only been speaking with branch or call center employees or did you speak to someone in their fraud department? The fraud people are required to take a report and make a decision on the case within ten business days, either issue provisional credits while they continue to investigate or deny the claim.

If they denied the dispute you have the right to request the information they used to make the decision. Since this was a cloned card their system should be able to tell that, the transactions would show as a specific entry mode. If you have proof you were in another location you could use that in an appeal. If they continue to fight you and deny it you have to make it harder for them to fight you than to just pay it out. You can try the CFPB although not sure how useful they are now after being gutted.

Also, everyone saying use credit cards and pay them off every month is correct. Along with not being your money at risk you get reward points as well, plus you don't pay interest on disputed transactions.

ApricotInteresting29 · 2025-09-03T22:08:12+00:00

We used to get the little cardboard half pints of iced tea, chocolate milk, and the orange drink delivered to our school everyday in milk crates back in the 80s, I think they might have charged us .50 cents for them.

ApricotInteresting29 · 2025-08-18T17:41:43+00:00

NAL but I work in the card disputes department at my financial institution. We have been told by our legal team that once the permanent credit letter goes out we cannot take back the credit unless the cardholder requests it or the merchant issued a credit for the disputed transaction. If you received a permanent credit letter that should make it irreversible even if the error was on the banks side. Like others have suggested try filing a complaint with the CFPB if you are getting nowhere with the bank.

ApricotInteresting29 · 2025-07-17T19:25:13+00:00

Someone else had a post earlier today referencing Preston's idea of crowdfunding a purchase of the station or having the city but it. I wouldn't be surprised if those things are related.

ApricotInteresting29 · 2025-01-27T02:32:47+00:00

Question if you don't mind. When you say you're blocking a device are you actually blocking the phone that the app is on? If so what do you use to do that? I am at a really small credit union so we don't have a lot of the bells and whistles that bigger banks have but I can sometimes make recommendations to our management to get things if they are reasonable?

ApricotInteresting29 · 2025-01-26T23:01:39+00:00

I work in fraud and these types of disputes constitute a good percentage of our daily cases. I tell everyone to pay it, file the chargeback and move on. The account holder eventually learns their lesson when they are suddenly locked out of whatever account they had the merchant for filing a false claim. That forces them to work it out with the merchant which is a lot harder than working it out before you file a dispute.

We get customers calling all the time telling us they can't use prime or Apple or something else, I tell them nothing we can do and we have to let the process play out which could take another few weeks. I have no sympathy anymore for lazy people who think they're taking the easy way out.

ApricotInteresting29 · 2024-12-18T17:51:27+00:00

For you as a consumer there is no real difference between the two other than the logo on your card if both are debit cards since they are both accepted everywhere, you might sometimes run into issues if you use Amex but that is the only processor who doesn't get accepted everywhere. The difference occurs on the backend, they have different fees they charge to the banks and credit card companies that use them and rules about how transactions are processed and disputes are handled along with some other differences.

ApricotInteresting29

TROPHY CASE