• Report: #166913
Complaint Review:

KeyBank Natl Assn - First Bank Of Delaware (Purpose Card)

  • Submitted: Mon, December 05, 2005
  • Updated: Mon, December 05, 2005

  • Reported By:Worthington Ohio
KeyBank Natl Assn - First Bank Of Delaware (Purpose Card)
P.O. Box 2395 Omaha, Nebraska U.S.A.

KeyBank Natl Assn - First Bank Of Delaware Purpose Card ripoff Swines in Business Suits Omaha Nebraska *EDitor's Suggestions on how to get your money back into your bank account!

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On 11/4/05 my Purpose Card was debited $129.99 without my authorization by Bank of America Privacy Source due to their inepth customer service procedures. On 11/14/05, I contacted Purpose Card and hit the roof. Some yahoo by the name of John who sounded like Gumby on Crack told me once I received my dispute form to fax it back to 678-259-8068 for faster service in order to get my money back right away. The form and cover letter dated 11/14/05 of course was not received until some 8 days later however, upon receipt I faxed both pages and instructed Purpose Card to PROVIDE ME WITH A SIGNED CONTRACT where I authorized BoA Priv Source to invade my account.

Mind you NO WHERE on the cover page did it indicate that the process would take 2 WEEKS instead the letter clearly stated "the provisional amount of $129.99" would be returned to my account and upon the completion of the investigation depending on the outcome would determine the next step.

After some 3 days, I contacted Purpose to find out where the hell my money was. Another crack infested yahoo named Adrian tried to explain to me the process would take 2 weeks. This is not India but I am the sacred COW no doubt. I immediately asked to speak to a floor supervisor (of course none were available) then I asked for the direct number to the dispute department (of course there is no direct number). I was told I could be transferred to the department. Red Alert, Red Alert - the best way to be disconnected between departments. After being put on hold some 5 minutes I was connected to yet another dork that I could not hear. Lo and behold, I was disconnected. Calling back did not aid the situation since I could not get through. Imagine that.

The Purpose Card SUCKS royally. They nickle and dime you for everything. To speak with a live person costs almost $2.00 and to hear your automated account balance is .95. What a true rip off. Customer service should be free since I'm depositing my entire payroll check (in the hundreds of dollars) every two-weeks where the "maintenance fee" is yet again some $3.95. The mistakes that have been made have been tremendous.

I urge any and everyone NOT to utilize the Purpose Card! A rip-off in its finest fashion. Looks like I will be contacting the FTC to file a formal complaint.

Sha-ron L.
Worthington, Ohio

EDitor's Suggestions on how to get your money back!


Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!


Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.


If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

This report was posted on Ripoff Report on 12/05/2005 01:20 PM and is a permanent record located here: http://www.ripoffreport.com/reports/keybank-natl-assn-first-bank-of-delaware-purpose-card/omaha-nebraska-68103/keybank-natl-assn-first-bank-of-delaware-purpose-card-ripoff-swines-in-business-suits-om-166913. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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