Take action! File a complaint! Find out who, what, where, when, and HOW your accounts were “breached.”

This post is continued from – Part I.  The following includes the actions I took and these are the actions ANYONE should take when faced with this situation.  If we don’t respond by using the tools available to us as consumers, things won’t change.  When an issue gets multiple complaints, it signals to regulatory agencies that there is a problem that needs to be addressed. That is how legislators can prove that laws or policies need to be changed – or even enacted when none exists. Filling out a complaint form takes just minutes and often the results give you a sense of accomplishment and a recognition that, as a consumer, there is a way to get to the bottom of these issues!

“We apologize for cancelling your cards. The cards were ‘flagged’ due to a ‘breach.’ No, we can’t tell you Who – When or How.”

Has this happened to you? What are your rights in this situation? Does it matter to you how your card/account was breached? Do you have the right to know which merchant allowed an account to be breached? Suppose it was the bank itself?

The following is the second part of this story – who I  contacted and what actions I took. To see the first part click here: http://wp.me/p49vDG-B

If this has happened to you, I encourage you to read his second part and file a complaint just as I did. 

HOW CAN BANK REGULATORY AGENCIES HELP?

After speaking with a supervisor at the bank (Citizens), and a customer service rep at VISA and getting no where -no one could tell me why my accounts were “flagged” and my cards were cancelled – I decided to take this to regulatory agencies who are there to protect us and enforce our rights: Continue reading →