| A similar thing happened to me on my BAYBANKS credit card.
After it was resolved, I read the fine print on the credit
agreement, and discovered that if I challenge a charge, they are
required to *either* justify it *or* remove the charge, not both.
So while I agree that it would have been much better policy
for the DCU to have sent an apology form letter when they discovered
their error, I doubt that they actually actually violated any rules,
and they aren't the only bank that acts that way.
If these notes are really read by someone in the DCU, how about this
for a new policy: when a customer questions a transaction, always
send some sort of acknowledgement, either defending the transaction
or noting the adjustment. Extended periods of not knowing what's
going on can be very frustrating. I was so frustrated with BAYBANKS
that I bailed out entirely, whereas just a bit more communication
might have kept me as a customer.
Larry
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