THE BULLCRAP BUSTERS 
We Take The Bullying By The Horns


CREDIT DISPUTES​
















PART II​I
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.

FEATURING
DELTA AIRLINES

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   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. Finally, 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 hyperlink Credit Dispute e-mail Lahams I at www.bullcrapbusters.com.

   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 agreed to credit our Visa card back $75.00.

   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.

   ON 5/4/15, WASHINGTON FEDERAL BANK POSTED A REFUND IN THE AMOUNT OF $75.00 INTO OUR ONLINE BANK ACCOUNT THAT DELTA AIRLINES WAS SUPPOSED TO GIVE TO US. 

   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.

***

   The BullCrap Busters Website will transmit its signals over the Internet for as long as we have not been CENSORED off the web
due the ELITE CYBER BULLY as a result of LIBEL and/or SLANDER, and/or ANTI​MARKETING CAMPAIGNS, and/or DELTA AIRLINES, and/or BANKRUPT by bought off justice, and/or ARRESTED and/or INCARCERATED by trumped up charges, and/or MURDERED by a staged accident by those who have the audacity to call themselves FRIENDS of humanity, yet who are ENEMIES to us who dare to exercise our HUMAN RIGHTS, namely FREEDOM of SPEECH, in order to assist HUMANITY in overcoming BULLYING.




www.bullcrapbusters.com