Report: #542582

Complaint Review: SOE*COMMERCE CA

  • Submitted: Sun, December 20, 2009
  • Updated: Wed, February 10, 2010
  • Reported By: JSM — East Longmeadow Massachusetts United States of America

    United States of America

SOE*COMMERCE CA Fraud via Stolen Debit Card Number Internet *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

*General Comment: i work for a bank and...

*UPDATE Employee: Dont make incorrect accusations

Show customers why they should trust your business over your competitors...

Numerous fraudulent charges (totaling about $6,000), appeared in our list of checking account transactions. One of the charges was for an item from SOE* COMMERCE. These purchases were made with our debit card number which was somehow stolen; the card was in our possession. What this apparently means is that online merchants are not requiring the security code from the back side of the card. How else could this happen? It also mkes the merchant is complicit in the fraud. Beside SOE*COMMERCE, there were purchases from the MICROSOFT STORE, and, of all places, PAYPAL. By the way, SOE stands for Sony Online Entertainment.

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 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 Author of

Rip-off Report PO Box 310, Tempe, Arizona 85280
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This report was posted on Ripoff Report on 12/20/2009 07:48 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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Updates & Rebuttals


#1 General Comment

i work for a bank and...

AUTHOR: Megan - (U.S.A.)

first of all, there is a difference between a dispute and a charge that you did not do.

A "dispute" means that you did business with the company or a company they are affiliated with.

For example, alot of people sign up for don't bother reading the fine print..and lo and behold, get charged a month later..then they call in and say "Oh i didnt do that" then we ask if they ever had a free trial with them..they say yes..ah..and did you read the fine print..obviously NOT..or you go into a cd store and they sign you up for their "club" and you give them your credit card info..and a month later you see fees from "TLG great fun" coming off your accnt..once again, someone who signed up for something and failed to read the fine print..or you went to a restaurant and spent 45.00 and they charge you 50.00 by mistake, thats a "dispute". We will give you a temporary credit and contact the merchant. If indeed it is a failure on your part to read the fine print, and the merchant produces such proof, we will take that credit back out of your is YOUR responsibility, not the banks, to read the find print. Another example of a dispute would be ordering merchandise from somewhere and upon receiving it, you do not receive what you were supposed to, or it is broken or defective.

Anyways..if you didn't MAKE the charge, as in someone stole your debit card and ran up the bill, then you submit a FRAUD do so, you are required to file a police report, and even if you find out it was your sister that "borrowed" your card, too bad.

In any regard, the BANK did not do the charges, so what makes you think they owe the consumer the money that the consumer lost??? The bank, at least the bank that I work for, is nice enough to grant a "temporary credit" back to the account..then you get paper work, regardless as to whether its a dispute or fraud..and if you do not fill it out in a timely manner, and produce a police report for a fraud claim, or if you do fill it out and submit it and we contact the company and find out the charges are VALID, for example they produce a receipt that YOU signed stating that you owe the restaurant 50.00... or you file fraud and file the police report, and then decide not to press charges, we will take our money back.

What makes you think that the bank is in any way, shape, or form responsible for someone getting your information fraudulantly, or you giving your card information to a merchant and not reading the fine print, or a merchant authorizing an incorrect amount with the bank, or your merchandise you ordered being broken or incorrect?

Next time you decide to rant and rave and BLAME it on the bank and give suggestions to others about how to get their money back, maybe you should do a little more research. i hate to tell you, but if a customer calls into the bank CURSING or YELLING at us because of a charge they made, we reserve the right to disconnect..and how far do you think that will get you?

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#2 UPDATE Employee

Dont make incorrect accusations

AUTHOR: Anonymous123 - (U.S.A.)

We do require the 3 digit code from the back of your card.  Please dont accuse us of not requiring proper security measures without doing the research.  If anyone does not believe me, simply call us and ask.  We take people's security very seriously.
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