Small Claims Guide Class Actions Lemon Laws FAQ Newsletters
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Erma of New Castle, DE November 12, 2008 Erma of New Castle DE (11/12/08) Immediately after envoking the BML option, I was met with an error message indicating that my transaction could not go forth and to either try another payment method or contact BML. I opted to contact BML to understand what the issue was. I then learned that I had had a previous account that was closed sometime back and would need to reactivate the account. I immediately recalled the other incident with BML that resulted a few years ago, when a few days before Xmas I placed an order with Toys R Us and opted for BML and received the same message. When contacting BML at that time I was told that the account was denied because they were not able to verify who I was; specifically, all credit was under maiden name but my registered email address bore my hyphenated married name. They attempted to resolve the issue, but could not do so within time frame needed, because they indicated that to restore the 1 hour old account it would take 3-5 days. By that time Xmas would be over , so I moved forward with another payment option. It did not suggest that they should ignore correcting the problem, only that I would pay for my purchase another way. Todays event is residual from the 2005 event that was never corrected. So, because I have plenty time before the holiday, I agreed to allow them another 3-5 days to restore the 3 year old deactivated never used account. I spoke with a supervisor who assured me that the issue would be resolved satisfactorily and within the stated time frame. As promised, he followed up with this call to indicate that he account had been authorized for restoration and would be active within 3-5 days. Monday I received further confirmation that the account restoration process was completed and the account LOC would be made available within 24 hours. Today is Wednesday, so I attempted to complete my pending eToy purchase, only to learn that half of the items are now no longer available and those that remain totaling 146 cannot be purchased via BML. I contacted BML who advised me that although my account has been restored and is active for purchase, I can not purchase the amount requested and refused to tell me what the available purchase amount was. Stating that if I read the contract, paragraph (i) it indicates that there is not stated spending limit and that all transactions are scrutinized at the time of purchase to determine whether or not they may be sent forth under the BML agreement. My next question was - What is the logic behind that approving someone with a zero dollar spending limit, particularly, when BML is aware of the dollar amount that triggered the request in the first place. It is not unreasonable for Borrower to anticipate some minimum realistic spending limit to accommodate a pending purchase. Even American Express gives some indication of the parameters from which a cardholder can operate. Each step of the way false expectations were sent suggesting that the account was approved, and any reasonable person would expect some minimum or maximum spending guidelines. Deborah of Smithtown, NY September 16, 2008 Deborah of Smithtown NY (09/16/08) Louise of Jacksonville, FL May 27, 2008 Louise of Jacksonville FL (05/27/08) Advertisement
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