THE BULLCRAP BUSTERS 
We Take The Bullying By The Horns

www.bullcrapbusters.com















​   
ANOTHER THING THAT CAN BE DONE WHEN THE BULLY COWARD BUSINESS HAS ALL THE POWER...

...AND THE INDIVIDUAL VICTIM HAS NONE

FEATURING
DELTA AIRLINES

By Elana Laham © 2015 Elana Laham

   I have already discussed at length some of the ways a victim consumer can empower himself or herself by affectively and effectively striking back at bad business practices. Such as 

a) making legitimate complaints against a business by using its grievance procedure in order to cost the business money

b) not paying for products/services not rendered by a business

c) not putting up with rude behavior from a business by taking a rude fee

d) boycotting a business by no longer buying any of its products/services

[See the portion called “Consumer Rights” in the web page entitled “The Corporate Elite Bully” in the BullCrap Busters Website for further details].

   Another thing that can be done when the bully coward business has all the power and the individual victim has none is to file a CREDIT DISPUTE.

   I went on the Internet one day and found a website that had over 500 complaints from people who have flown on Delta Airlines – an American Airline Company. Guess how many of these legitimate grievances were resolved – 0.

If the reader is interested in viewing Delta Airlines Complaints website then please go to hyperlink Delta Airline Complaints at www.bullcrapbusters.com.

***

   I, myself, was physically assaulted by a Delta Airline stewardess on an international flight from Tel Aviv Israel to New York United States of America, which I spent a lot of money to be on. Delta Airlines was the worst flying experience we have ever had in our entire lives.

If the reader is interested in viewing my ticket reservation with Delta airlines then please go to hyperlink Delta Airlines Reservation at www.bullcrapbusters.com.

If the reader is interested in viewing the amount of money I paid for my flight on Delta Airlines then please go to hyperlink Washington Federal Bank Statement at www.bullcrapbusters.com.

The following is my story:

   After the plane took off and had reached its proper altitude I had a sudden urge to go to the bathroom. The seat belt sign was off. So I got out of my seat and headed for the nearest bathroom at the back end of the plane. Suddenly the one and only Israeli airline stewardess (I did not see any name tag on her person) exited the room where they prepare meals and drinks. I nearly ran into her while she was holding a couple of food trays. It was a great moments in bad timing incident. Politely I said, “Excuse me, I have to use the bathroom”. She rudely said nothing. Her only manner of communication was to grow a very annoyed look upon her face. Luckily, a very nice male stewardess gave me an affirmative “yes” to proceed to the toilet and politely told me, “Be careful of the turbulence”.

   A short while later, my spouse wanted a glass of water. So he summoned a steward/ess to bring him one. And that is when the dirty deed happened.

   The one and only Israeli stewardess on our flight deliberately poured water all over my lap and legs. How do I know she did it on purpose? After she did it she told me she knew she is supposed to pour water into a cup over the cart. Then she blamed it on my husband saying it was his fault for holding his cup up above his tray. After that she poured the water into my spouse's cup and then stepped back one step and continued pouring the water into my lap.

​   She did not look the least bit surprised or shocked after she did it. And she never said she was sorry after she did it. I spent a lot of money for this airfare. But for three hours of my twelve-hour flight I was very uncomfortable being that my lap and my legs were soaking wet.
Being a human being, my initial impulse was to take my own bottle of water and throw it into this bully coward’s face, while at the same token, taking my husband’s bottle of water and pouring it all over her head. However, I knew if I did that the next thing that was going to happen to me was an emergency landing with me being unceremoniously escorted off of the plane, arrested by the police, and my final stop was going to be a twenty year visit to jail instead of to my business destination. You can thank the business bully’s amoral and unethical double standards (one set of standards for workers and the other set of standards for patrons) for this grossly UNFAIR scenario.

If the reader is interested in viewing the law regarding interference with flight crew then please go to hyperlink United States Law at www.bullcrapbusters.com.

   My next impulse was to file two lawsuits against Delta Airlines: a criminal lawsuit for being physically assaulted by one of their workers, and a civil lawsuit seeking monetary compensation for being made to be uncomfortable for one fourth of my flight. However I knew I would not win either one for none of the other passengers in my seating area witnessed what had happened as they were all asleep, and even though my husband was awake the legal system does not regard spouses as valid witnesses. Moreover all the stewardess had to do was lie and say the water spillage was an accident for Delta Airlines to be believed and me to be disbelieved. You can thank the business bully’s amoral and unethical double standards (one set of standards for workers and the other set of standards for patrons) for this grossly UNFAIR scenario.

​   But I was not going to be a victim. Instead I was going to fight the unjust system like I always do. So I sent my above legitimate grievance to Delta Airlines.

If the reader is interested in viewing my legitimate complaint to Delta airlines then please go to the following hyperlinks at www.bullcrapbusters.com.

Have a Complaint I
Have a Complaint II

   Shortly afterwards, Delta sent me a correspondence telling me, “... we’re sorry. To show you...we appreciate your business...,we’re offering you a gift.”

If the reader is interested in viewing Delta’s above reply then please go to hyperlink Delta Customer Care at www.bullcrapbusters.com.

   But when I went to select a gift of my choosing, which was an iTunes Gift card, to use to rent movies from my computer’s iTunes store, Delta’s website was only set up to mail it to an address in the United States. It was not set up to mail it to my address abroad. I did not grasp this. I did not comprehend, understand, know why...being that Delta flies to international airports not just domestic ones and therefore has international customers not just domestic ones... doesn’t Delta set up its website to also be able to mail gifts to overseas???

If the reader is interested in viewing Delta’s Gift website then please go to the following hyperlinks at www.bullcrapbusters.com.

Delta’s Motive Engine I
Delta’s Motive Engine II
Delta’s Motive Engine III
​ 
   So I sent Delta a correspondence asking them how do I redeem the $50 iTunes Gift card, which I had selected as my monetary compensation for Delta’s revolting customer disservice?

If the reader is interested in viewing my e-mail request to Delta then please go to hyperlink e-mail Delta dated 4/12/15 at www.bullcrapbusters.com.

   Delta’s reply to my inquiry was to tell me to call their “800” numbers.

If the reader is interested in viewing Delta’s e-mail reply then please go to hyperlink e-mail Delta dated 4/14/15 at www.bullcrapbusters.com.

   So I called Delta’s Corporate Customer Care department at 1800- 455-2720 for assistance as Delta had instructed me to do. After waiting umpteen minutes on the phone a Delta representative named SHERRY got on the line. While I was in the middle of explaining what the issue was she hung up the phone on me! I called back and after waiting umpteen minutes again I got another representative named AUDREY on the line. While I was in the middle of explaining what the issue was she hung up the phone on me!! I called back and waited umpteen minutes yet again and got yet another representative on the line named BYRON. While I was in the middle of explaining what the issue was he reiterated to me that there was no way Delta can send me an iTunes Gift card being that their website was not set up to send it to an international address. I told him that I already knew that and was calling seeking his assistance, being that he was a Corporate Customer Care representative, to find out how Delta can send me the $50 iTunes Gift card I had selected as my monetary compensation to my address abroad. Immediately he gave me the broken record that it was not doable. So I made a suggestion that he put a $50.00 iTunes Gift card in an envelope, write my international address on it, and send it by international mail. I even offered to pay for the international postage stamp. He refused claiming that it MAY BE illegal to send an American iTunes card to my international mailing address.

[Reader’s Note: Notice the words “MAY BE”. Warning: More often than not these words are spoken to tell you Bull Crap.]

   Shortly after, I discovered a website that does worldwide international delivery of United States iTune Gift cards and it does it in seconds by e-mail. So much for Byron’s MAY BE that it might be illegal for him to send me a United States iTunes Gift card to Israel, the country I am presently residing in.

If the reader is interested in viewing the website that does worldwide international e-mail delivery of iTune Gift cards then please go to the following hyperlinks at www.bullcrapbusters.com.

iTunes Gift Cards I
iTunes Gifts Cards II

   I made another suggestion that Byron simply send me a $50.00 check. After all surely that was not an illegal thing to do. He told me that Delta does not do this. He then said that all he had for me was a $75.00 Delta Airlines voucher with an expiration date of one year on it to fly Delta Airlines at a $75.00 discount. I tried to reason with him that I was not able to use it as I was not going to be doing anymore traveling on any airplane for an indefinite period of time. Thus, the voucher was useless to me. Hence, it had no compensational value. Consequently, Delta was reneging on its promise to give me a monetary gift of in order to compensate me for its atrocious customer disservice. After a long pause of dead silence in which all I was able to hear was the tinnitus ringing in my own ears he insisted that I either take it or leave it. This time I hung up the phone on Delta.

   Shortly after my disappointing telephone conversation with Byron, Delta sent me an e-mail informing me that Delta had issued me a $75.00 credit voucher with a one-year expiration date on it to fly with Delta Airlines. Instead of giving me a monetary compensation gift of my choosing that I was able to use, Delta had decided to shove down my throat a commodity that suited its own agenda of getting me to continue to fly with its airline. Never mind that I was not going to be flying with any airline let alone Delta over the next year.

If the reader is interested in viewing Delta’s e-mail to me then please go to hyperlink Delta Credit Voucher at www.bullcrapbusters.com.

   I sent Delta an e-mail reply stating that I cannot accept their Credit Voucher as I will not be traveling in the near future. I requested an iTunes Gift card or a Cashier's Check from Delta instead for the equivalent dollar value of the Credit Voucher, which Delta was offering me.

If the reader is interested in viewing Delta’s e-mail to me then please go to hyperlink e-mail Delta 4/17/15 at www.bullcrapbusters.com.

   We filed a CREDIT DISPUTE with our bank against Delta Airlines for NOT rendering us services. Delta Airlines made me very uncomfortable due to the fact that one of their airline stewardesses deliberately dumped water onto me resulting in my lap and legs being soaked for three hours out of the twelve-hour flight that I had paid for. And there was no remedy for my discomfort such as any opportunity to change my waterlogged clothing on an airplane thousands of miles above ground.

   My flight with Delta Airlines cost me about $1200.00. The flight lasted approximately 12 hours. The Israeli stewardess who poured water all over my lap caused my pants to be wet for three hours. Consequently, I calculated that Delta owed me $300.00, which is one fourth of the entire trip, which amounts to one fourth of the cost of the trip as a result of my discomfort. However, I only disputed the $75.00 gift Delta promised me as compensation yet reneged upon because I had documented proof that Delta had indeed offered me this gift. I did not venture to dispute the stewardess spilling water on me since it woulda, shoulda, coulda be my word against hers that the incident did in fact occur and was in fact premeditative.

   We reported that we had used our debit Visa card to purchase my airline ticket for the above flight. And that Delta had agreed to monetarily compensate me for their lack of service. But Delta reneged on their promise by only being willing to offer me a monetary compensation in a form that I was not able to use. Being that I was unable to utilize the monetarily compensation that Delta demanded I take, Delta offered me nothing at all. So Delta still owed me a monetary compensation.

If the reader is interested in viewing the Credit Dispute we filed against Delta Airlines with our bank then please go to the following hyperlinks at www.bullcrapbusters.com.

Credit Dispute e-mail Lahams I

   Our bank’s initial response to our credit dispute was to tell us that they “cannot dispute the transaction through Visa because it was not the original transaction. The gift card was not purchased with your Washington Federal debit card ...”

If the reader is interested in viewing the correspondence from our bank claiming that they cannot do a credit dispute on our behalf against Delta Airlines then please go to hyperlink e-mail Deena Wren at www.bullcrapbusters.com.

   The above initial response we received from our bank completely missed the point. So we elevated our credit dispute to the bank’s Vice-President of Operations whose name was Linda Brower and explained to her that this matter with Delta was NOT about a transaction to purchase a gift card from Delta Airlines with our Debit Visa Card: this matter was about Delta Airlines promising us compensation after admitting themselves that services – namely a comfortable flight on their airline – were not rendered and then reneging on that promise by substituting an unusable gift – namely a credit voucher for future Delta flights that we cannot use – for a gift that we can use. We further explained that, since Delta Airlines refused to honor their own commitment for compensation, we dispute the $75.00 of compensation that Delta – not us – offered, on the transaction with which my husband purchased my airline ticket. And we further explained we were NOT seeking a refund for purchase of a gift card from Delta Airlines. We were seeking the compensation that Delta Airlines promised us for not rendering the services that we paid Delta for in our original debit Visa card transaction.

If the reader is interested in viewing the correspondence we sent to the Vice President of our bank claiming that we do have a valid credit dispute and why then please go to hyperlink e-mail Linda Brower at www.bullcrapbusters.com.

   We were given no reply. So we elevated our credit dispute to the President Mr. Roy Whitehead of our bank by sending him a courtesy copy (cc) of a follow-up e-mail to the bank’s Vice-President of Operations, which

(a) asked what was happening with our credit dispute against Delta Airlines.

(b) included all of our earlier correspondence with the Credit Disputes department of our bank in the form of an e-mail chain.

If the reader is interested in viewing the e-mail we sent to the CEO of our bank then please go to hyperlink e-mail Roy Whitehead I at www.bullcrapbusters.com.

   Later the same day, we received a very strange reply from the President of our bank, addressed to the Vice President of our bank,
telling her that he “can't believe he's (my husband) putting us (the bank’s Vice President and President) in the middle, but it's not worth a fight. Can we simply credit $75 to his account and be done with it?” We believe that Mr. Whitehead, the President of Washington Federal bank, forgot to delete our name from the e-mail he was sending to Ms. Linda Brower, the Vice President of Washington Federal bank, which is why we also saw it.

If the reader is interested in viewing the e-mail the President Mr. Roy Whitehead sent to the Vice President Ms. Linda Brower and inadvertently to us then please go to hyperlink e-mail Roy Whitehead II at www.bullcrapbusters.com.

   Obviously, the President of our Bank, Mr. Roy Whitehead, was unwilling to hassle the debit Visa Card Company about our credit dispute against Delta Airlines. But apparently, he was unwilling to hassle with us as well.

   By elevating our credit dispute to our bank’s President, we assured him and the entire bank bureaucracy that...

   ...we will NEVER, EVER accept our bank’s explanation that this $75.00 compensation from Delta Airlines was a SEPARATE debit Visa card transaction from our original debit Visa card transaction in which we purchased our Delta Airline tickets for the above flight in which a stewardess in a premeditative fashion poured water all over my lap and legs.

   The next day, we received a letter from our bank, which...

   ...continued to wrongfully claim that the $75.00 in dispute was not part of our original debit Visa card transaction with Delta Airlines .

   But...

   ...our bank did agreed to give to us the $75.00 that Delta Airlines was supposed to give to us.

If the reader is interested in viewing the letter our bank sent to us agreeing to give to us the $75.00 but disagreeing that we had any charge back rights then please go to hyperlink e-mail Barbara Ahrens at www.bullcrapbusters.com.

   Later that day, we verified a deposit of $75.00 went into our account on our on-line bank statement.

If the reader is interested in viewing our bank statement showing that a deposit went into our account for $75.00 then please go to hyperlink WF Bank Statement at www.bullcrapbusters.com.

If the reader is interested in learning how to write a successful credit dispute see the hyperlinks below for further details:

hyperlink e-mail 08A we sent to Washington Federal dated 4/24/15 at www.bullcrapbusters.com.

hyperlink e-mail 08D we sent to Washington Federal dated 4/24/15 at www.bullcrapbusters.com.

   We never ever intended for our bank to absorb a $75.00 loss in order to make us whole. Our purpose was to get our bank to use our debit Visa Card Company to make Delta Airlines give us the $75.00 that Delta Airlines had ALREADY AGREED TO PAY FOR SERVICES NOT RENDERED.

   Once we saw that our credit dispute had been resolved as far as the $75.00 monetary compensation goes, I had one more thing to do. We, at the BullCrap Busters, work very hard at exercising our consumer rights. We do this not just for our own sakes but also for any and every other consumer in the world who is being victimized by business bullying. For we know that the harder we fight back against the corporate elite bully the easier it is going to be for the rest of humanity to do the same.

   Having said the above, I sent an e-mail to Mr. Roy Whitehead, which stated the following:

   “Congratulations on embarrassing yourself, you mean, stupid, selfish, lazy, arrogant, lying flunky. Thanks to business executives like you, people like us have to file credit disputes in the first place. So it is worth the fight.”

If the reader is interested in viewing the correspondence I sent to Mr. Roy Whitehead then please go to hyperlink e-mail Congratulations... at www.bullcrapbusters.com.

   Why is it worth the fight?

   Had our bank, courtesy of its President, Mr. Roy Whitehead, been willing to fight the good fight, the bully coward Delta Airlines woulda, shoulda, coulda have to pay for its lack of regard for its own loyal patrons by having to deal with a bigger power than itself – the Credit Card Company.

   The Credit Card Company like the “Mighty Quinn” bestows upon all businesses the ability for them to collect their income from people who use debit or credit cards in order to pay for their purchases. Many people in the world today use debit or credit cards to buy their commodities. So if a business makes the Credit Card Company upset by pissing off too many customers who then file credit card disputes in order to get refunds for products and/or services that are not rendered, the Credit Card Company may decide to take away the business’s privilege to use the credit card system.

   The reason for this is that the Credit Card Company is not set up to deal with a credit dispute. In other words, the Credit Card Company is not prepared to transfer money from a business back to a consumer. They are only set up to transfer money from a customer to a merchant. Consequently, although the Credit Card Company will investigate and process a credit dispute claim, it only does so as a courtesy to the people who give it an existence by using its debit and or credit cards to buy products and/or services from businesses. This means that, if enough consumers file credit disputes against a given bully coward business, the Credit Card Company might decide that the cost of handling so many credit disputes is too high to continue to grant the given bully coward business the privilege of continuing to utilize the credit card system to collect their revenue. A business that has been denied access to debit or credit card transactions as the means by which to trade their merchandise for money – their livelihood – may very well go out of business.

   Having said the above, we urge any and every consumer who has been a victim of business bullying in the manner of having been monetarily ripped off by corrupt business practices to exercise their right to use the CREDIT DISPUTE system to make the business bully pay for having victimized them for no reason.

   If just a small percentage of consumers will do this, it will be difficult for the business bully to ignore the individual victim’s protests against being victimized by such bullying, which not only robs the person of their money but of their dignity as well.

   For at best your bank will fight for you and not only refund your money along with your dignity, which mean, stupid, selfish, lazy, arrogant, lying, flunky immoral and unethical businesses refused to give back to you, but, your bank will also make them have to deal with the credit card company who will be very upset at having to deal with a consumer’s credit dispute. And at worst, even if your bank decides not to go after the business entity that stole your money from you and/or your dignity, your bank will give you your money back, which will at least make you whole again.

   Remember this: the one power that is greater than the Credit Card Company is YOU, the consumer. For if not for the consumer the Credit Card Company can NOT exist. So if the people will take back their own power by using the Credit Card system to fight back against business bullying, the corporate elite bully will have no choice but to stop victimizing its own patrons.






FEATURING
THE DIZENGOFF AVENUE HOTEL

By Elana Laham © 2015 Elana Laham

​   The Dizengoff Avenue Hotel located on 133 Dizengoff Avenue in the city of Tel Aviv 6346102, in the country of Israel, whose phone number is 03-694-3000, was another bad business entity we had to file a CREDIT CARD DISPUTE against in order to make us whole - restore our dignity and recover our money. [See Current Events 7/5/15 web page, which explains how Credit Disputes are an affective and effective way to defeat the bully coward businesses that have all the power when the individual victim has none].

   The Dizengoff Avenue Hotel was the worst hotel experience we have ever had in our entire lives. And we have been to many-a-hotel both short term and long term.

   Our stay at the Dizengoff Avenue hotel began on September 5, 2014 and was scheduled to end on October 31, 2014. But upon our check- in, ETTIE HAUPTMAN, the manager of the Dizengoff Avenue Hotel, demanded we pay our money in advance. After we paid with our debit Visa card, Ettie Hauptman refused to give us a receipt until we insisted that she do so. When my spouse, who happens to be a retired engineer, told her he was not able to figure out the hotel’s confusing bill, Ettie Hauptman rudely remarked to him, “It’s simple math”.

If the reader is interested in viewing the Dizengoff Avenue hotel receipt showing we paid for our stay from 9/5/14 through 10/31/14 then please go to the following hyperlinks at www.bullcrapbusters.com.

Hyperlink Dizengoff Avenue Hotel Bill dated 9/8/14
Hyperlink Washington Federal Bank Statement dated 9/15/14

[Reader’s Note: We owed US$ 4,652.00 but we paid US$ 4,698.34 due to the fluctuating exchange rates between the Israeli Shekel and the United States Dollar.]

   Then one day, while we were sitting on some stairs waiting for the maid to finish cleaning our hotel room, without any warning as to which way she was going, Ettie Hauptman almost damaged my brand new Macintosh (Apple) Computer when she nearly stepped on it with her high heels. Instead of apologizing for the incident, she told us we ought to have moved and said to us, "I have to attend to the hotel guests" as if we were not hotel guests ourselves.

   One evening, after Ettie Hauptman gave us permission to print copies, we came to the front desk clerk on duty, whose named was TZIPPI, to print out a few of our portable document format files from our thumb drive. Shortly afterwards, Tzippi called our hotel room and told us that the hotel computer had crashed as a result of her printing out our documents. Alarmed and baffled, we went down to the front desk and showed Tzippi that our computer did not crash when we loaded our thumb drive into it and opened the same portable document format files Tzippi had made copies from for us Tzippi ignored our demonstration, told us that our computer was different than the hotel’s computer, and continued to claim that our portable document files had introduced a virus into the hotel’s computer. An hour later, we noticed that the hotel’s computer was working fine. Shachar, the next shift’s hotel front desk clerk, made a few more print outs for us from the hotel’s computer from the same portable document files on our thumb drive. The next time we saw Tzippi, I told her what happened. To our astonishment, Tzippi got very angry. She said nothing to us, but, her face turned red, she put her right hand over her mouth, and her right hand started shaking as she dragged her fingers away from her lips.

   Other than an occasional change of towels and sheets, we almost never requested maid service and always posted the “Do Not Disturb” side of the hotel door sign out to let the maids know not to clean our hotel room. One morning we informed Ettie Hauptman that we were requesting full maid service for the day. She told us we will get it. And we put out our “Please Make Up The Room” side of the hotel door sign to let the maids know to clean our hotel room. Around 3:00 in the afternoon that day, a maid barged into our room without even making the customary hotel knock that all hotel staff do, and angrily told us that she cannot clean our room because she did not have time to and since the other maid is not with her. We thought this was weird for the simple fact that the few times that our room got a full cleaning the other maid cleaned it all by herself. So we told her, “Okay. Can you just change the bed sheets and give us new towels?” She said, “Yes” but angrily and hurriedly removed the bed sheets while our computer was still on the bed. I told her to wait a moment so we can remove our computer. She ignored me and continued to pull the bed sheets off of the bed. Our computer started to fall onto the floor. Luckily, I was able to grab it before it did. After that, we left. When we returned to our hotel room the maid had cleaned the whole room all by herself. In addition to changing the bedding and towels she had washed the floor and cleaned the toilet and sinks.

   During the evenings we had been regularly putting our trash down the hallway away from our hotel room door for the maids to take away on the days we did not request cleaning. In the morning the trash was always gone. But one morning when I opened up the hotel room door to go out, I almost tripped over the trash, which had been placed right in front of our hotel room door.

   One afternoon, we noticed that the air conditioner dripped a pile of water onto the hotel floor. So we alerted LERON, the front desk attendant at that time. He came up to our hotel room to inspect the leaking air conditioner. Then, he told us that tomorrow a repairman will come and fix it. After that, he asked us “Are you going out?” We thought this was a strange question to ask us for the simple reason that Leron told us that no one was available to take care of the dripping air conditioner today. So I asked him why he asked us this question. He answered, “I did not ask you that”.

   The following afternoon around 5:00 p.m., a maid knocked on our hotel room door, even though we had posted the hotel room sign on the side that says, “Do Not Disturb”. When we did not answer, we heard her attempting to enter our hotel room without our permission. When we opened the door, we saw a hotel key in the maid’s hand pressed against the lock to our hotel room door. As soon as she saw us, she went away.

   Due to the above three strange incidents, we became concerned for the safety of ourselves as well as for the safety of our belongings. This made us feel trapped in our own hotel room as if we were Adolph Hitler Nazi Concentration camp prisoners at the Dizengoff Avenue Hotel. On 9/18/14 we had to leave our hotel room that we were renting for $US 100.00 per night for we had important business to tend to. So we rented a car for $US 52.77 for the day in order to have a space to safely store our possessions in.

If the reader is interested in viewing the rent a car document showing we paid for a rent a car for the day of 9/18/14 to Eldon then please go to hyperlink Eldon Invoice at www.bullcrapbusters.com.

If the reader is interested in viewing our bank statement showing we paid for a rent a car for the day of 9/18/14 to Eldon then please go to hyperlink Washington Federal Bank at www.bullcrapbusters.com.

   We had a very important document in transit that was being sent internationally to us via Fed Ex. Fed Ex only delivers packages to residential addresses. So, despite the despicable mistreatment that the manager and staff were meting out to us for no reason, we had to stay at the Dizengoff Avenue Hotel until we intercepted the parcel we were waiting for. On 10/8/14 it departed from Sandy Springs, Georgia, in the United States. On 10/12/14 it arrived in Tel Aviv, Israel, at the Dizengoff Avenue Hotel.

If the reader is interested in viewing the Fed Ex Invoice showing the date the document was shipped out to us from Sandy Springs, Georgia in the United States then please go to hyperlink Fed Ex Waybill at www.bullcrapbusters.com.

If the reader is interested in viewing the Fed Ex Tracking Website showing the date the document was delivered to us at the Dizengoff Avenue Hotel in Tel Aviv, in Israel, then please go to hyperlink Fed Ex Tracking at www.bullcrapbusters.com.

   The next day, we notified the hotel staff that we desired to get a refund for the remaining days we had already paid for but had not used. We told them we wished to leave immediately as a result of the above ongoing incidents, which were making us feel very uncomfortable. The reply that all of them gave us was that Ettie Hauptman was on vacation for the week and that only Ettie Hauptman can authorize the refund. We thought this was strange. No hotel that we have ever stayed at had any difficulty with issuing us a refund through any of its hotel staff when we had to leave early for whatever reason.

   So I requested to speak with Ettie Hauptman. The front desk attendant also named Ettie called Ettie Hauptman and got permission for me to speak to her. But when I told Ettie Hauptman that we were demanding a refund in order to leave the hotel immediately due to the above incidents, Ettie Hauptman’s reply, and these were her words verbatim was, “I cannot talk to you now” and she hung up the phone on me.

   After my telephone conversation abruptly ended, Tzippi told us that she was the acting manager while Ettie Hauptman was away and so she was authorized to give us our refund. But instead of doing so, she spent the rest of the day tending to the needs and wants of every single individual who came to the front desk, except for us. She told us she had to attend to the hotel guests as if we were not hotel guests ourselves. Never mind that we had come before all of them and were waiting patiently at the front desk for our “first come first served” turn. Meanwhile, Tzippi took the liberty of yelling at us with a false accusation that we are bothering other hotel guests, and interrupting us every time we tried to speak by falsely claiming that we were not waiting our turn, which never ever came. When there were no more hotel guests to attend to, Tzippi threatened to throw us out of the hotel establishment without giving us our refund.

   We went online to contact the owners of the Dizengoff Avenue Hotel to report to them what was going on. To our dismay, the Dizengoff Avenue Hotel website did not have any information as to how to contact its owners.

   In our desperation to resolve the predicament the manager and staff at the Dizengoff Avenue Hotel forced us to be in without cause, we opened up a credit dispute with our bank for the amount of US$ 1,200.00, which was the amount of money we had already paid the Dizengoff Avenue Hotel but which we had not yet used.

If the reader is interested in viewing the e-mail sent to us by our bank regarding our credit dispute then please go to hyperlink e-mail dated 10/18/14 from Washington Federal Bank at www.bullcrapbusters.com.

If the reader is interested in viewing the e-mail we sent to our bank regarding our credit dispute then please go to hyperlink e-mail dated 10/21/14 to Washington Federal Bank at www.bullcrapbusters.com.

If the reader is interested in viewing the e-mail chain between us, and our bank regarding our credit dispute then please go to hyperlink e-mail dated 10/22/14 to Washington Federal Bank at www.bullcrapbusters.com

   On October 19, 2014, when Ettie Hauptman returned to work, and read our e-mail, she immediately called us and literally ordered us to pack our belongings and get over to the front desk within thirty minutes to get our refund for the twelve days we paid for but had not yet used at the daily rate of $100 a day for our hotel room. We were down there in twenty. After she had the maintenance man check our room to note that it was okay, she issued us our refund in the form of a charge back from bank Leumi – their Israeli bank to Washington Federal bank – our American bank.

If the reader is interested in viewing the fax dated 10/19/14 sent to the Dizengoff Avenue hotel showing our refund in the amount of 4,452.00 Israeli Shekels then please go to hyperlink Bank Leumi at www.bullcrapbusters.com.

If the reader is interested in viewing our bank statement showing our refund in the amount of 1,197.09 United States dollars then please go to hyperlink Washington Federal Bank at www.bullcrapbusters.com.

   When we got our monetary refund, we left that God-awful hotel immediately. As we exited the hotel doors a thought occurred to me. The Credit Card System was like Moses – the savior of the Hebrew People. Ettie Hauptman, the manager of the Dizengoff Avenue Hotel, was like the Pharaoh – the King of Egypt who refused to free the Hebrew People. And the Credit Dispute that I had filed with my bank against the Dizenogoff Avenue Hotel was like God ordering the Pharaoh to, “Let My People Go!!!”












FEATURING 
GARY BLACKSTIEN

By Elana Laham © 2015 Elana Laham


   Dentist Gary Blackstien located Macabi Building, Diamond Exchange, 1 Jabotinsky Street, Ramat Gan, Tel Aviv, Israel. Phone: +972-3-5752560 was yet another bad business entity we had to file a CREDIT DISPUTE against, not only to make me whole - restore my dignity and recover my money – but to make my tooth whole as well. [See Current Events 7/5/15 web page, which explains how Credit Disputes are an affective and effective way to defeat the bully coward businesses that have all the power when the individual victim has none].

   While I was traveling abroad I experienced sudden pain in my upper left last molar. It was due to an unexpected breakage of the composite filling in it exposing the dentin of my tooth. This resulted in my having to make an emergency dental appointment with a dentist whom I did not know and whom I had to randomly select from a list of dentists. His name was GARY BLACKSTIEN. He turned out to be the worst dentist I have ever had in my entire life.

If the reader is interested in viewing Gary Blackstien’s bill then please go to hyperlink Gary Blackstien 10/29/14 at www.bullcrapbusters.com.

***

   Below are a series of e-mails between us, and so-called dentist GARY BLACKSTIEN. Rather than do what I usually do, which is to post them in excerpt form, and make analytical comments about what they mean, I have decided to let you the reader read them in their entirety and make your own conclusions.

The following is an e-mail dated 10/30/14 that I sent to Gary Blackstien:

   “To Gary Blackstien,

   When I woke up this morning, the pain in my tooth that you put a composite filling in seemed to be lessoning. However, 24 hours later, the pain is still present and is not diminishing. I am having difficulty eating. Every time I bite down on the tooth you put the composite filling into, it hurts, whether I eat on both sides of my mouth or the side of my mouth opposite the hurting tooth and regardless of whether or not I eat soft or hard foods. I have never ever in my entire life had any pain whatsoever after a dentist put a filling or fillings into any of my teeth.

   Did you leave a sponge in my tooth? Obviously you did something wrong during the dental surgery for the following reasons:

   1) The pain is INSIDE of my tooth. I tried to tell you that during our telephone conversation but you IGNORED me. You insisted the pain was due to gum soreness or the filling being too high. My last dentist made a filling that was too high in my neighboring tooth. But there was no pain at all. There was only an uneven overall bite whenever I ate something. As far as gum soreness goes, the painkiller you gave me has completely worn off. But there is no discoloration, swelling, or irritation in or around the gum of the tooth you put the composite filling in.

   2) You did not wait enough time for the anesthetic you gave me to start working. So when you started drilling into my tooth in order to patch up my filling I felt pain while sitting in your dentist chair. I complained to you that I was in pain. You just IGNORED me.

   3) During the dental surgery, water went into my throat, blocking it, so I started choking unable to breathe. My body underwent an automatic reflex to protect itself by throwing up my hands towards my mouth to remove the cause of my inability to breathe. I also started coughing. You just IGNORED me. All you did was tell me to stop moving!!! So I started taking deep inhalations of air through my nose so that I would not pass out from lack of air.

   4) You not only caused me to have to undergo temporary discomfort while putting the composite filling into my tooth while I was in your dentist chair, you have also caused me permanent pain after you put the composite filling into my tooth after I left your dental office.

   I am very shocked that this has happened at all and very upset as I do not know what is happening to my tooth, and all you have done is given me nonsensical explanations as to why my tooth is in pain. I am now really worried about my tooth. I have already lost one tooth. I do not want to lose another tooth. I am now going to see another dentist to hopefully resolve this issue. I am no longer willing to see you. I have lost my trust and faith in you.

   You rendered me a disservice – not a service – so you owe me a refund or charge back of 618.00 Shekels, equivalent to US$168.85 (3.66 Shekels to the Dollar on 29/10/14 – the day of my appointment with you for the composite filling) to my husband’s debit Visa card.

   If you refuse to refund the money you charged me for rendering me short-term temporary discomfort and long-term permanent pain, my husband will file a credit dispute with the debit Visa Card Company.

   Sincerely,

   Elana and Michael Laham”

If the reader is interested in viewing the correspondence I sent to Gary Blackstien then please go to hyperlink e-mail Gary Blackstien 01 at www.bullcrapbusters.com.

***

The following is the e-mail dated 10/30/14 Gary Blackstien sent back to me:

   “Elana,

   There was no "sponge" placed in the tooth. The piece of thread I placed around the side of the tooth was removed before trimming the filling material.

   We have two options:
 1) Call to make an appointment to come in to see what we can do to help you.
 2) If you prefer, I will refund your payment.

   Regarding the second option, I must say that I find the threatening tone of your message, baselessly assuming without even asking, that I would refuse a refund, to be offensive. I have no objection to a refund if you are dissatisfied, and I resent the implication that I would behave otherwise without even having had the opportunity to show you otherwise. Did you ask for a refund and get a refusal? No. So why is there a dispute? The tone of your message might be appropriate if you had asked for a refund and been refused, but since you didn't, I resent the baseless assumption and unwarranted adversarial tone.

   Not every disagreement has to be resolved by a fight.

   You let me know what you prefer: (1) or (2).

   Dr. Gary Blackstien”

If the reader is interested in viewing the correspondence Gary Blackstien sent to me then please go to hyperlink e-mail Gary Blackstien 02 at www.bullcrapbusters.com.

***

   A day later Gary Blackstien sends me another e-mail dated 10/31/14:
“P.S. If the tooth is not getting better, a strong possibility is that your problem was not the small hole in the tooth (the entire void I filled, even after drilling the shmutz out of the hole was only about 2mm x 2mm x 2mm, about twice the size of a grain of uncooked rice) but that you actually had cracked the tooth at the same time that you broke the filling. If this is the case, and it is checkable by having you bite down on a special stick, then it is small wonder that filling the void didn't solve the problem. If that is the case, there is a fragment of the tooth that hurts you every time you bite on it. The treatment options, and in light of the atmosphere you have graciously generated, I have no intention of performing, are dependent on the extent of the crack. First of all the fractured piece of the tooth needs to be detached from the gum and removed, and what comes after depends on the vertical extent of the fracture. If it is small, a small filling would help, but if the fracture is extensive and goes high up the root, the tooth is a write-off, and the only appropriate treatment you can probably guess. I assume that you wouldn't want me to do it, but that's OK, because I would refer you elsewhere for it anyway. The fracture, by the way, in case you have any doubt, is not a result of putting a little filling in the tooth, but rather is the original problem with which you presented. In any case, since filling the tooth didn't help, yes you are entitled to a refund, but this situation certainly does not warrant the adversarial tone you have assumed. I am absolutely overwhelmed.”

If the reader is interested in viewing the correspondence Gary Blackstien sent to me then please go to hyperlink e-mail Gary Blackstien 03 at www.bullcrapbusters.com.

The following is an e-mail dated 11/1/14 we sent to Gary Blackstien:

   “To Gary Blackstien,

   Today, November 1, 2014, we checked our e-mail inbox and found your two e-mails and read them.

   As I already told you in my last e-mail(s) I sent to you, in my entire life I have never ever had such an unconscionable experience with a dentist before. Do you require that I reiterate the points I already brought up in my e-mails to you?

   1) The pain is INSIDE of my tooth. I tried to tell you that during our telephone conversation but you IGNORED me. You insisted the pain was due to gum soreness or the filling being too high. My last dentist made a filling that was too high in my neighboring tooth. But there was no pain at all. There was only an uneven overall bite whenever I ate something. As far as gum soreness goes, the painkiller you gave me has completely worn off. But there is no discoloration, swelling, or irritation in or around the gum of the tooth you put the composite filling in.

   2) You did not wait enough time for the anesthetic you gave me to start working. So when you started drilling into my tooth in order to patch up my filling I felt pain while sitting in your dentist chair. I complained to you that I was in pain. You just IGNORED me.

   3) During the dental surgery, water went into my throat, blocking it, so I started choking unable to breathe. My body underwent an automatic reflex to protect itself by throwing up my hands towards my mouth to remove the cause of my inability to breathe. I also started coughing. You just IGNORED me. All you did was tell me to stop moving!!! So I started taking deep inhalations of air through my nose so that I would not pass out from lack of air.

   4) You not only caused me to have to undergo temporary discomfort while putting the composite filling into my tooth while I was in your dentist chair, you have also caused me permanent pain after you put the composite filling into my tooth after I left your dental office.

   5) I forgot to mention this...you grabbed my lip very hard causing it to hurt a lot. When I complained about this discomfort, once again you IGNORED me.

   As far as my permanent pain goes in the tooth that you inserted the composite filling into, if as you say, you think I might have a crack in my tooth, then, being a dentist, why did you not mention it while I was in your dentist chair undergoing your tooth surgery so that you can make more money?

   I also forgot to mention that when we looked at your Bite Wing X- rays they were the worst – blurriest and dirtiest and skewed – x-rays that we have ever received from any dental office.

   Is this why you don’t put your name on them? In America, it is against the law not to. Is it also against the law for a dentist not to put his name on the patient’s x-rays in Israel, which is also a country that is governed by English Common Law?

   Dentists rely upon tooth x-rays to tell whether or not their patients are developing cavities. Tooth decay is detected by whether or not there are shadows on the teeth in the x-rays. The bitewing x-rays you gave me are so dirty that one section of them has what looks like a large black tree superimposed upon my teeth!

[Reader’s Note: The photo image at the top of this web page is one sample of Gary Blackstien’s God awful x-rays. This one is so dirty it has what appears to be a large, black tree overlaid upon my teeth.]

   As far as your comment goes that I am “threatening” you. How absurd! I am doing what any decent reasonable person will do in order to protect their best interests.

   As far as your comment goes that I “baselessly assumed” and had an “unwarranted adversarial tone” that you were not going to give me a refund without asking you first if you will give me one. Again, how absurd! I based my judgment upon my personal life experience with you that, while I was in your dentist chair, you IGNORED me whenever I tried to tell you something VERY IMPORTANT – like I am in PAIN and I cannot BREATHE. So, my evaluation of you and tone of my e-mail to you was completely appropriate and totally normal.

   Regarding your false accusation that I am being feisty, I do not comprehend, understand, or know why, if you are such a peace loving person, you didn’t just refund our money already but instead opted to send us your highly offensive and utterly nonsensical e- mails. It ought to be obvious and apparent to any two-year-old that we are NOT interested in ever seeing you again for any reason. So the fact that you ask us if we want to see you again in your e-mails is just a front to vent your uncalled for hostility towards us. Let’s get something straight for the record:

   First of all, I am the one who got physically harmed and emotionally hurt here, not you!

   Second of all, it is us who rejected you not you who rejected us.

   Third of all, you say YOU are OVERWHELMED. Why? Because we told you the TRUTH!

   We noticed the P.S. addition to your e-mail you did not send a copy of it to our debit Visa Card Company. How interesting!

   You also wrote: “To contact us before this afternoon you have to call the office (065752560).

   No! We will NOT contact you by phone so that you can fill our ears with verbal crap. There is no hiding here. Everything we say back and forth to one another has to be done in writing so that what gets said gets documented.

   Yes of course without a doubt, we are choosing your option two, which is a refund in the amount of US$164.38 (this is the amount you withdrew from our online banking account on October 31, 2014).

   We are looking forward to seeing our refund posted into our online banking statement within a reasonable time. And if as you say, you are a person who hates to fight, then we will receive the refund from you shortly.

   Sincerely yours,

   Elana and Michael Laham”

If the reader is interested in viewing the correspondence we sent to Gary Blackstien then please go to hyperlink e-mail Gary Blackstien 04 at www.bullcrapbusters.com.

***

The following is another e-mail dated 11/1/14 we sent to Gary Blackstien:

   “To Gary Blackstien,

   P.S. Being that you brought up the maybe might that my tooth is cracked in the portion of your e-mail that you did not send a copy of to the debit Visa card company, how do we know that you didn’t crack my tooth with your sloppy job of filling my tooth with the composite filling?”

If the reader is interested in viewing the correspondence we sent to Gary Blackstien then please go to hyperlink e-mail Gary Blackstien 05A www.bullcrapbusters.com.

The following is an e-mail dated 11/2/14 that I sent to Gary Blackstien:

   “Gary Blackstien
Unread and Deleted was your e-mail of 2/11/14 (typo – it was supposed to say 11/2/14) @ 12:21 a.m. (midnight).

   Please refrain from sending us any more correspondences as they will NOT be read, NOT be listened to, NOT be opened and either deleted, trashed, or refused and returned to sender.

   Per your previous e-mails to us you signified to us that this matter is going to be resolved by indicating that you are refunding us our money. So there is nothing else to discuss between us. As soon as we see the refund posted on our online banking statement we will consider this matter resolved.

   Elana and Michael Laham”

If the reader is interested in viewing the correspondence we sent to Gary Blackstien then please go to hyperlink e-mail Gary Blackstien 05B www.bullcrapbusters.com.

***

   SO-CALLED DENTIST GARY BLACKSTIEN NEVER EVER REFUNDED US OUR MONEY AS HE PROMISED TO.

***

The following is an e-mail dated 11/6/14 that we sent to the Credit Dispute Department of our Bank:

   “To the debit Visa Card Dispute Department of Washington Federal Bank:

   We are sending this e-mail to the debit Visa Card dispute’s department to report our dispute with a dentist who took money for services that were NOT rendered, only DIS-services.

   Services were NOT rendered and Dis-services were rendered for the following reasons:

   This dentist told me that a piece of Composite filling had broken off in the back most molar in the upper left quadrant of my mouth, and that he was going to refill it. However, after this dentist worked on my tooth I remained in the same pain I was in before he worked on my tooth. In addition, he caused me unnecessary distress while I was in his dentist chair by drilling a hole in my tooth before the anesthesia had a chance to numb my mouth and by allowing me to choke on water, which was blocking my throat. When I complained to him about being in pain and about being unable to breathe he IGNORED me, told me to be quiet and be still.

   When we sent him our request for a refund via e-mail, and explained to him why we were demanding our money back, he replied via e-mail that he was going to give us a refund but he never did. There was no charge back to our online bank statement in the amount of US$164.38 (618.00 NIS), which is what we originally paid him.

   Included in his charge were bitewing x-rays that had been done so badly that they had huge pieces of dirt on them, were angled incorrectly, and were blurry.

   Please see attached e-mails for more detailed information regarding the above dispute.

   Also we have attached to this e-mail this dentist’s bad x-rays, dental questionnaire, and payment receipts. Also we have attached to this e-mail the Washington Federal Card Holder Statement of Disputed Transaction form.

   Our online bank statement shows that on October 30, 2014, “GERY SLDON BLCKSTIN” charged our debit Visa card US$164.38 (618.00 NIS). This dentist’s name is Gary Blackstien, and his office is located at Macabi Building, Diamond Exchange, 1 Jabotinsky Street, Ramat Gan, Tel Aviv, Israel. Phone: +972-3- 5752560. Fax: +972-3-5755093. E-mail: gblackstien@hotmail.com.


If the reader is interested in viewing payment to Gary Blackstien’s then please go to hyperlink Bank Statement 08B at www.bullcrapbusters.com.

​   Please let us know if there is anything else you require in order to process our debit Visa card dispute claim.

   Most Sincerely Yours,

   Elana and Michael Laham
   E-mail: mlandel2012@aol.com”

If the reader is interested in viewing the correspondence we sent to our bank then please go to hyperlink e-mail Credit Dispute 06 at www.bullcrapbusters.com.

***

The following is an e-mail dated 11/10/14 that the Credit Dispute Department of our Bank sent to us:

   “Dear Michael

   On 11/06/14 we received your written debit/ATM transaction dispute for Dr. Gary Blackstien in the amount of $164.38. This letter serves as your notification that we have completed our investigation into your dispute and have determined that the original transactions were valid. The transaction was authorized by you and services were rendered.

   Sincerely,

   Deena Wren”

If the reader is interested in viewing the correspondence our bank sent to us then please go to hyperlink e-mail Deena Wren Credit Dispute 12A at www.bullcrapbusters.com.

***

   The following is an e-mail dated 11/13/14 that we sent to three members of the Board of Directors of our bank to elevate attention to our credit dispute:

   “To Mr. Roy M. Whitehead:

   We are sending you this e-mail to bring to your attention how Washington Federal’s Debit Card Dispute department grossly mishandled our simple debit Visa card dispute.

   On 10/29/14 we went to see dentist Gary Blackstien regarding pain in my wife’s tooth. Gary Blackstien inserted a composite filling into my wife’s tooth. But afterwards, her tooth continued to ache as if no dental work had been performed on it.

   On 10/30/14, a charge showed up on our on-line banking statement from a “GERY SLDON BLKSTIN” (dentist Gary Blackstien) in the amount of $164.38.

   On 11/6/14 we sent an e-mail to the card disputes department of Washington Federal Bank letting them know that we were in a credit dispute with dentist Gary Blackstien due to the fact he rendered us no services.

[Please see e-mail dated 11/6/2014 and its 12 attachments].

   On 11/10/14, we received an e-mail reply from a Deena Wren, of Washington Federal’s debit card dispute department regarding our credit dispute. She stated verbatim that, “The transaction was authorized by you and services were rendered”.

[Please see attachment Deena Wren’s e-mail dated 11/10/2014 to us].

   Her conclusion is completely NONSENSICAL and totally ABSURD. Apparently Deena Wren NEVER EVER READ ANY OF THE SUPPORTING DOCUMENTS WE SENT HER REGARDING OUR CREDIT DISPUTE. If she had, she woulda, shoulda, coulda known that services were NOT rendered and a refund is owed to us for the NO-BRAINER following reasons:

   1. The dentist, Gary Blackstien, stated in writing in his own e-mail to us that he is going to REFUND our money.

[See attached e-mail dated 10/30/2014 from Gary Blackstien].

   The only reason we filed a credit dispute is because Gary Blackstien did NOT give us the refund he promised us he was going to.
[Please see the 12 attachments we sent with our e-mail to the card disputes department].

   2. We had to PAY another dentist named Omri Nabriski to resolve the issue of my wife’s toothache. Omri Nabriski had to remove Gary Blackstien’s composite filling since it was not bonded properly to my wife’s tooth and put a new composite filling into my wife’s tooth in order to alleviate the pain in my wife’s tooth. Why woulda, shoulda, coulda we pay a second dentist to re-do a composite filling if the first dentist had done the composite filling correctly?

[Please see the attached e-mail, my wife, Elana Laham, sent to dentist Philip Kaplan, whom Omri Nabriski works for, dated 11/02/2014].

[Please see the attached bills dated 11/03/2014 and 11/11/2014 from dentist Omri Nabriski].

If the reader is interested in viewing the bills from Dentist Philip Kaplan then please go to the following hyperlinks at www.bullcrapbusters.com.

Hyperlink Dentist Philip Kaplan 10D
Hyperlink Dentist Philip Kaplan 10F

   The charges for these two bills show up on our on-line banking statement as charges from “DR. PHILIP KAPLAN” for $52.94 on 11/05/2014 and for $28.95 on 11/13/2014.

If the reader is interested in viewing the payments to Dentist Philip Kaplan then please go to the following hyperlinks e-mail at www.bullcrapbusters.com.

Hyperlink Bank Statement 10E
Hyperlink Bank Statement 10G

   In addition, apparently, Deena Wren acted on her OWN – without any coordination with the Visa card company, and made her decision very HASTILY – within three days.

   Doesn’t Washington Federal Bank forward credit disputes to the Visa card company to investigate and evaluate them like other banks do? We were in a credit dispute once before. The process took three months. The bank acted as a liaison and forwarded all of our documentation to the Visa card company. Then the Visa card company decided which action to take on our behalf. After that the Visa card company forwarded its conclusion regarding our credit dispute to the bank.

   Also, Deena Wren made the erroneous claim that, just because we authorized the merchant to use our debit Visa card number, services were rendered. Regarding making a credit dispute, the Washington Federal Bank Cardholder Statement of Disputed Transaction form contains the option to dispute a transaction since “Services were not rendered”.

   Due to all of the above, we will consider this credit dispute resolved when we see a refund or charge back in the amount of $164.38 to our online checking account.

   We sent another e-mail to Deena Wren concerning the above, but she never replied.

[Please see our e-mail to Deena Wren dated 11/11/2014].

   We are looking forward to your reply to this matter at your earliest convenience.

   Sincerely,

   Michael Laham and Elana Laham”

If the reader is interested in viewing the correspondence we sent to our bank then please go to hyperlink e-mail Credit Dispute 12D at www.bullcrapbusters.com.

***

The following is an e-mail dated 11/14/14 that Linda Brower, the Vice President at Washington Federal Bank sent to us:

   “Mr. Laham,

    Thank you for sending us your concerns regarding your Debit Card transaction dispute that you fully described in your email today. I am responding to your email on behalf of Roy Whitehead, Brent Beardall and of course myself.

   I am the Chief Admin Officer for Washington Federal with oversight responsibilities that include our Debit Card services. After reviewing all of the documents that you provided, I have processed today a deposit to your Washington Federal account in the amount of $164.38 as requested. I am sorry we failed to meet your expectations regarding the resolution of your Debit Card transaction dispute.

   Again, thank you for taking the time to bring this issue to my attention. We appreciate your confidence in banking with Washington Federal and we will strive to keep you as a customer with improved service levels that meet your expectations.

   Thank you for banking with Washington Federal. 

   Sincerely,

   Linda Brower”

If the reader is interested in viewing the correspondence our bank sent to us then please go to hyperlink e-mail Credit Dispute 12E at www.bullcrapbusters.com.

   ON 11/13/14 WASHINGTON FEDERAL BANK POSTED A REFUND IN THE AMOUNT OF $164.38 INTO OUR ONLINE BANK ACCOUNT.

If the reader is interested in viewing our Credit Dispute Refund then please go to hyperlink Bank Statement 12F at www.bullcrapbusters.com.
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