Notes

"Agent: Your call may be monitored or recorded for quality assurance purposes. Hello, thank you so much for calling Chi Dispute support. My name is [PII]. May I have your first and last name? Nice to meet you. And tell me, how can I assist you today?
Customer: [PII]. I'm very upset because um maybe I'm not understanding how does my pay thing go but um I would like for you to pull up my account before I explain it so you can have some type of knowledge or to look at it or should I just tell you what's going on and then you'll look up my account because I'm really upset this is my money and you gotta explain it to me because this is not fair at all what just happened to me.
Agent: Yeah really Mhm. to. Mhm. Mhm. Oh, OK.
Customer: From you guys, you guys did this.
Agent: OK, got it. Thank you very much for the information and I am really sorry to hear about that situation with my pay and since this is related to that feature, I will need to transfer the call over to the member services department because they handle the full information. Mhm, yes, and before I transfer the call, do you have any questions about these seas that I can help you with?
Customer: OK. Yes, um, so what I'm calling about, what type of person are you? What can you help me with then? What would they got transferred to you for then? What do you do?
Agent: We may disputes. We make disputes, like if you need to report.
Customer: Mm. Oh yeah I do. 00 yeah, I did hit it from the, the, the dispute. OK, you're right. Yeah, I mean it, I mean, I don't know if it's gonna be a dispute because you guys, I mean you guys did this and, and I, uh, because the money went through my spot me.
Agent: Uh-huh uh-huh. Please. Mhm.
Customer: So I don't know if it's a dispute, so, but if it's like about my account, yeah, you can go ahead and transfer me, it's fine. I think you, I think you know what you're talking about more than me.
Agent: Mhm. Yes Yes, no worries, I'm going to transfer the call and you will be able to get the whole information about that features, OK.
Customer: Somebody's up, somebody's a live person is up to talk now.
Agent: Yes.
Customer: Alright, thank you. I'll hold.
Agent: And you're welcome. Do you have any other questions? Is there anything else?
Customer: No, that'll be all, sweetheart. Thank you. Have a good day.
Agent: OK, you're welcome. You too. Thank you very much for calling Time bye bye.
Customer: Bye bye.
Agent: Your call may be monitored or recorded for quality assurance purposes. Hi, thank you for calling G member services. My name is [PII]. May I know what's your first and last name? Is it the person on your cham account?
Customer: [PII].
Agent: Hi [PII], thank you so much for that. And as for checking here, are you transferred to our department and about your concern about the my pay, right?
Customer: Yes, but I, I need to explain to you what's going on. I don't have a concern with it because I've been with, I've been dealing with it for a couple of months, and, uh, specifically, basically it's you guys are giving me an advance in my, my, my own money, right? So with that being said, it's going to my checking, right? And the checking has the uh the checking part, you know, it starts over with the spot me on the first of every month, um.
Agent: Yeah OK. Uh-huh. Mhm.
Customer: Um, I think that's a set up and you guys are wrong because you guys, when it's reset, I understand that it resets, and but how you guys are having to reset is not fair because I just had $60 total, you know, over in this account, and then when you started it over, you guys took $20 of that money, but this is my money, you know, this is, I got two advances and it's not adding up and that's not, that's not fair.
Agent: Uh uh That the. Uh-huh.
Customer: I know I gotta wait and, and get these spot we boos from my uh from members, but that's something different. You see what I'm saying? You just took from my money that I have to pay back at, at the beginning, you know, when my check comes. So I feel like that is totally not fair because I'm already in a, I have $85 that I owe. I don't have $85 right now. You see what I'm saying? You guys just took my money.
Agent: Yeah. It. And the car Uh-huh. I said, [PII]. I understand and thank you so much for this information, [PII]. And as for checking here, uh, yes, so you get an advance on my pay amounting of $85 or $80 right?
Customer: Yes, I just had one at 4 a.m. Yes, $28. When you guys started something over whatever, it, it was over $60. I was at $40.
Agent: And I Uh huh, that's correct. And if you want to get uh more money on my pay, uh, get an advance on my payment, you need to wait until today to be system refreshed because as for checking here you had a $200 200 dollars credit limit and you need to wait until to be system refreshed and once it's, it was system refresh and yes yes sir you're gonna receive an available balance again on on my pay, OK.
Customer: What did you say?
Agent: You need to wait until to be system refresh my to to be able to receive an available balance on my pay again, OK?
Customer: What do you mean an available balance on my pay? I'm not looking for an available balance on my pay. I'm talking about what I already had up here before you guys reset it. You guys already reset it it because it was at 40. My spot me at 40. Now it says 20, that's 20 gone.
Agent: Because I Mhm. Uh Mhm. About the spa, OK, about the pat me, that's why I
Customer: And that's still, but, but I'm saying that came from my my pay, my my pay money goes to checking which is connected to the Spony. That's, that's a slick way you guys are doing that cause it just reset.
Agent: Well it's like.
Customer: And took that, now what if I needed that money right now, I, this is coming out of my money. I have $85 in advance, but I don't have it right now, and it's already went through though. It, it already is there, but you guys took it away, that's not fair.
Agent: I Uh, no, I didn't, uh, we, uh, they, I took, they took away, uh, your $20 on, uh, on your spot me and about your my payment.
Customer: That's not fair at all. So it's, that's my money. I have to pay that back. Yes.
Agent: Uh, they, they do not, uh, take, uh, or talk about the $20 on your account. Nothing taken about your account, [PII] as for checking here on my end.
Customer: Oh yes, I, I have a screenshot of what it was saying at first because $85. Why is anybody, why isn't $85 is, is, I have not taken anything off my account. I'm looking at my transactions right now, sir.
Agent: Hello But let me check that on your account.
Customer: We can look at We can look at them together.
Agent: Because I Because you had the, before you receive the my advance amount that you had a negative $29.78 on your account.
Customer: I'm looking at that right now. And then I've had it, I didn't had 2 $28 deposits. That's almost $60. I don't have that though, do I?
Agent: Mhm. Because uh you had a negative $29.78.
Customer: OK, I know that. I know that, and what's after that?
Agent: When, uh, when you, when you get an advance of $28 you, you, uh, it will be automatically deducted. That's why you have the negative $1.78. And when you get uh this may be advance uh about uh Another $28 you get a $26.22.
Customer: OK, and that's, that's, that's, that's $58 and that like well how much is that? $28 no that's $56 right?
Agent: $26.22 [PII].
Customer: Right? OK, OK. Why don't I not have $56 though? I have $46.22.
Agent: Because uh Uh, because you had the.
Customer: At first it wasn't like that. It wasn't like that when I requested it and got the money instantly. Can I talk? When I got the money instantly cause I paid an extra $2 to get it right now. You're listening? It said $40 on Spot me and the 20 something on the checking part. It wasn't a negative anymore. That's what I'm talking about. And it only said that because I had just requested another $28 that we're looking at right now. One was at 10:08 p.m.
Agent: Mhm. I My OK Mhm. Mhm.
Customer: On the 30th? Today, oh that was the 30th, yeah, but um and then that made me go up to $26 something dollars. And then I asked for another $28. You guys changed it because I have a screenshot. It's supposed to say something different. And it reset. I get what you're saying. I understand what you're saying. I'm just saying that's not fair and why and what, what's, I mean, how is that gonna come back still even? Because I gotta wait now for, I gotta wait for the boost. I gotta wait to get boosts from people now, but at first it wasn't saying that. I have a screenshot showing what it said. It said $40 and spot me earlier before it reset, and I know it resets after one because it's, it's the first, and we go get our boost. I understand that, and I have $40 worth of boost. I understand that.
Agent: Uh I Mhm. OK.
Customer: But it was already 40 there.
Agent: Uh yes, uh, [PII]. I, I, I understand, but, uh, yes, it will be uh. Like, uh, beginning of the month, that's why, uh, your Sparbo is gonna be, it's gonna be reset, OK? You need to, uh, to receive a spot me boost again to be able to book the support the about your spot me, OK.
Customer: What did you say, baby? could you repeat that and slow down a little bit so I can understand, please?
Agent: Uh, OK, about, uh, sorry for the time, [PII], about that, uh, because, uh, it's the beginning of the month, uh, [PII], that's why, uh, your Spar me boost, it's already taken. That's why you need to, uh, you need to receive, uh, uh, you need to receive a Spar me boost again up for Sparting boost amounting up $20 OK, to be able to back, uh, your Spar me into $40 again. OK.
Customer: $40.30 dollars?
Agent: Mhm. Because, uh, because, uh, you had the $20 Spot me on your account right now. And when you, when you had the spot for Spot me boost, you, uh, it will be back to $40 OK? Because I want Spotty boost equivalent to $5.
Customer: I, I know that. I know that. I know that once I get 4 people to spot me, I know that. I know that. But that, that, I get that normally every month, you know what I'm saying? $40 worth every month. So what I'm saying is, you see, you know what I'm saying, my money that I got from my pay is not there anymore.
Agent: Uh-huh. I know, uh, it's, it's on your account, uh, [PII].
Customer: I haven't, I haven't withdrawn. I haven't, I haven't used that account. I haven't withdrawn anything out of that account.
Agent: But uh it's on your account about the my pay advance [PII] and if you want to make sure about that, I, I will be sent you an account statements for you to be able to check that for uh on your uh on your email, [PII].
Customer: I see it, but I don't see the money in there. I don't see the money there though.
Agent: That
Customer: What you say about a statement?
Agent: Uh, for, for you to able to check, uh, before you receive this my pay advance, you are the negative. That's why you, uh, when you, uh, when you, uh, when you receive this my pay advance amounting of $28 it will be automatically deducted. That's, uh, the overdraft on your account, OK. And do you want me to send you a a statement, [PII]?
Customer: OK. I, I, I. I don't understand, but I, I hear what you're saying. I just feel that that's not fair. I, I just don't understand cause, you know what I'm saying? That it was 40, it was 40 at first. I know what you, you know, I know you know what I'm saying, because I, I said, I, I know what it said at first, and I'm not saying that if you're, you're talking against it because it resets. I understand that. I've been with you guys for a long time, but the spot resets, but that's not fair to us as customers that our spot me is um our spot me is uh with um.
Agent: Uh-huh. Yeah Mhm.
Customer: Connecting with our my pay, it's going to our my pay, you see what I'm saying? Because for its situation, situations, listen, just ask, I'm just making a suggestion. I'm not being rude for situations like this, because when it resets around this time and we just got a my pay and it resets right where the spot me at, it takes our money. I understand what you're saying. I'm not seeing anything's wrong, you know, you see what I'm saying, but it's going to because it's connected together.
Agent: Yeah. I had. And No We Mhm.
Customer: So that's how you guys can explain to us that it's not wrong because it's right there in the spot me, it's gonna go back up to 40, yeah, after 5 people um send me, send me that, of course, I know.
Agent: OK. Yeah. I.
Customer: But that happens every month anyway, and that so happened my my pay goes to my checking too. That's not fair. It, it was, it's supposed to be $60 almost $60 some dollars. I understand the negative, but I know you can't do anything about it because it's not like you guys initially taking it, but it looks like it, you feel me? And the way it goes and the way you got it set up, it is like it to to me as a customer, but I'm just saying in the meantime, that's not fair.
Agent: Mhm. Uh-huh. Yeah Yeah.
Customer: That makes me and then there's somebody's trying to get in my account. I got 3 people trying to get in my account. Can you please put a stop on this? I, I, I got to keep my, my account locked for transactions because one just tried to come through now and you guys declined it, but I keep my stuff froze. Is there some way that I can tell you the name of these uh these uh people so you can um stop them from even trying even if it's unlocked because that's why I had.
Agent: Mhm. Yeah. Yeah. Yeah. Uh-huh.
Customer: Because that's why I had to take all my money out this month, cause you know I get a I get a deposit to look at my my my account. I get a deposit every month and normally I pay my bills off my account, but I can't, I have to pay my bills with cash because places are fine because I apply for loans at certain places and they got my routing number and checking number, but they didn't approve me for a loan though, so they're trying to get it, so I, they're trying to get in my account for no reason.
Agent: OK. Yeah. Mhm. Yeah. Mhm. Mhm. Mhm. OK, uh can you tell me, uh, thank you so much, uh, for raising that concern, [PII], and can you tell me what's the merchant name?
Customer: OK, one of them is called [PII].
Agent: Sorry? [PII]?
Customer: [PII], yeah, [PII].
Customer: Mhm It just happened just I uh I just seen something that said denied because I got my stuff frozen. They was trying to get some money for me.
Agent: When you had the transaction, uh, today?
Agent: I OK, let me check that on your account. When you had the uh the transaction, uh, from the, uh, [PII].
Customer: Uh, [PII], when did I, it just, something just happened now, while we were on the phone.
Agent: OK, let, let me, uh, one second, let me check that on your account.
Customer: That's what I was saying when you was talking. I seen it pop up on my thing saying that um it denied it.
Agent: Well.
Customer: They they declined the payment because um I got my phone locked. I got my um my stuff on froze.
Agent: Uh, the OK. Uh, just in case, uh, I would be able to stop, uh, stop payment from this Aib, OK? And I got your back about that, [PII]. That's correct, uh, [PII], and uh, I'm gonna stop this payment, uh, from Jabe, and, uh, it will be a total transaction again on your account, OK?
Customer: You're gonna stop it? OK, I have another place too. OK, I got 2 more places.
Agent: Uh, one second and let me, uh, check about these many resources, OK?
Customer: Thank you.
Agent: I understand the [PII].
Customer: I sure will. Thank you so much.
Agent: And I got your back about your concern, OK?
Customer: Thank you.
Agent: And I show you that nothing is taken about your account because uh I'm here to help you about that. One second.
Customer: All right. Thank you. Thank you. All right.
Agent: Oh you do About this membership fee, right? What's rather more amenity? Can you tell me about that? Can you tell me the merchant name?
Customer: Mhm. Uh, the next one?
Agent: Uh-huh.
Customer: BMG Money.
Agent: yeah. Sorry? so that
Customer: B as in boy, M as in Mary, G as in girl, G as in girl, and the word money.
Agent: Uh-huh. Uh-huh. Uh OK, when you had the transaction uh from this merchant?
Customer: Uh, they took $70.01 thingy something, and they're paid off because I switched it to my Credit Karma's account. So I don't know why, yeah, I don't know why they're even trying that would try anyway because I switched this to my Credit Karma card.
Agent: Yeah Yeah. OK, uh BM Gani, right? OK. And yes, uh, don't worry about that time, [PII], and I'm gonna stop this payment from your account and uh it didn't do a transaction on your account, OK, uh, the first one from uh the membership fee and the other one from BMGani, correct?
Customer: OK, and then I have one. Mhm, yes, and then it's another one and and it's one more, just one more, yes, and these are the only places I apply for loans online and they have you to put your routing number and stuff in there and they still deny you. But why are then they'll go in there and talk about some membership fee but you never gave me any money and I took my card, they won't let me take my card off. I'm like, oh no, I'm not gonna deal with you guys, but I don't even have no business with you.
Agent: OK. Uh, there's [PII]. Uh-huh. Mhm. OK. OK, uh, thank you so much for your time, [PII], and I understand and.
Customer: There's the other one. There's the other one.
Agent: But don't worry, uh, I'm here to help you and I'm gonna stop this payment from your account and your account is gonna be uh in good shape again, OK?
Customer: Let me go to the Thank you. OK, and I got one more.
Agent: Uh huh.
Customer: And this is the last one. I'm let me pull that app up hold on for a minute. Cause I am sick of them. I keep seeing them pop up and I, that's why I took my money out because I didn't want nobody to get it.
Agent: OK. Uh, what's the merchant's name?
Customer: That's why I got, that's why I'm my, um, I'm looking for that in power. I'm just looking at how to spell it so I can spell it to you right. E as in E as in Ear, M as in Mary, P as in Paul, O as in.
Agent: Uh huh. Mhm. Mhm.
Customer: Octopus. W as in William, E as in Eric, E as in Eric, and R as in Richard.
Agent: Mhm. OK. OK. OK, got it. Thank you so much, uh, for this information, and, uh, yes, as I, I can as I can see here, uh, on my end. OK, let me check that, uh, here on my end.
Customer: Mhm. Mhm.
Agent: One second, OK? I'll be pulling up my resources here.
Customer: OK, thank you.
Agent: I know. One second, I will be working here silently, OK?
Customer: Alright, thank you.
Agent: [PII] I And, uh, here's the thing, [PII], OK, uh, I'm gonna share a few details with you, OK.
Customer: Mhm.
Agent: OK. Uh Here's the thing, uh, before we proceed with the stop payment request, I need to provide you, uh, with the important information regarding the process of the, uh, how to stop payment, OK? Uh, this action is intended to stop, uh, all future stay, uh, all, all future payments with this merchant within the time frame that you have requested. And we will take appropriate measures to ensure they are stop. And if you see further transaction from this merchant after this the stop payment has been placed, uh, please contact us for help and with further action. Now that you heard, uh, this information, uh, we can proceed with your stop payment request.
Customer: Thank you.
Agent: And uh I'm gonna stop payment from a the membership membership fee correct?
Customer: Yes.
Agent: OK, and I'm gonna stop payment from uh for 5 years. Is that OK to you, [PII]?
Customer: Yes, thank you.
Agent: OK, and the other one? Uh.
Customer: That's it.
Agent: It's uh the the membership fee and the other one is from BM [PII], correct?
Customer: Yes.
Agent: And uh it lasts for 5 years also.
Customer: OK, thank you. Yes, thank you.
Agent: Right? And yes, I just, uh, the payment from BMGani and for the last one for From Empower, correct?
Customer: Yes.
Agent: OK, and it lasts for fibers also?
Customer: OK.
Agent: And uh if uh you're gonna contact us um LG uh if you want to uh remove the stop payment from this uh merchant, OK, from empower BMG money and from the membership pay, OK.
Customer: Mhm.
Agent: And uh yes I'm already I searched for the payment uh this 3 merchant and it didn't do a transaction again on your account and your account's in good shape and nothing uh nothing to worry about your account. Your your account is safe, uh, with us, OK.
Customer: OK, so when will I get more money on my pay? I heard it went up to 1 to 200.
Agent: Uh, yes, I'm about the my pay. Uh, you can, uh, get money on my pay. Uh, you need to wait until to be system, uh, fresh, OK? And because, uh, this is a system generated and once it was system refresh, you're gonna receive an an available balance on my pay, OK? And you can get this on but so transferred to your checking account, [PII].
Customer: Mm Oh OK. All right. OK. All right, thank you.
Agent: And And uh don't worry about that [PII] if you have a concern or time uh just call us back uh because we're open 24/7, OK.
Customer: OK, I got a quick question. It says I owe $85 on my page says I owe $85 already though.
Agent: Uh-huh. Uh-huh, uh-huh.
Customer: I haven't, I haven't gotten $85 yet.
Agent: Uh-huh. But
Customer: I see it in my account, but I never, if it's in my account, where is it now? You know what I'm saying? I haven't withdrawn anything out of this account.
Agent: Yeah
Customer: You see what I'm going with this? I understand what you're saying, but I don't, I haven't withdrawn every, I, I've got 3 my pay since the 30th, 1 at 2:25 a.m. on the 30th of January, another one at 10:08 p.m. on the same day on the Thursday on the 30th, and then today at 4:10 a.m. another 28. That is, you know what I'm saying, that adds up to what I owe, but I don't, I don't have that. You see where I'm going with this? That's why.
Agent: I have Mhm. Uh Uh-huh. Hi [PII], but, but, uh, yes, uh, you, you didn't receive.
Customer: It's taken away from me, but, and I haven't took any money out of there.
Agent: Uh, you didn't receive the MyPay because, uh, before you receive this [PII], uh, you had the spot me overdraft. Yes, uh, you, you didn't receive the full, uh, the full, uh, advance on my pay, but you, uh, you have a spot me over that you can overdraft on your account, OK? Because, uh, uh, the my, but, uh, uh-huh, because at the my pay that you get in advance, it will be go to the spot me overdraft and uh it will be paid the spot the overdraft and you still have uh spot me overdraft again, [PII].
Customer: Oh, OK. OK, I'll check it out later. I'll check it out later. Oh, OK. Oh, OK. I understand now. OK. OK, I understand now. I'm sorry.
Agent: That you can get on your account. Uh-huh. Yes, uh, [PII], and if you have a concern, right, uh, just call us back because we're open 24/7, OK? And about the spot with [PII].
Customer: OK. Oh, I understand now. Thank you.
Agent: And about the Spam [PII], uh, you have the $20.00 that you can overdraft on your account because, uh, it will be, uh, beginning of the month and your Spar me boost, it will be in. You need to, uh, you need to receive a Spart me boost again, OK? You have to request, uh, uh, on your plan, uh, request, uh, Spar me boost, OK? Uh, that it will be back to $40 again that you can overdraft to your account.
Customer: Oh, OK. OK. Oh yeah, cause it's not, yeah, cause it hasn't showed us where we can uh boost people yet.
Agent: OK. Uh-huh, yes, I'm [PII]. And is there anything else I can assist you?
Customer: So the system still resetting because it's in the middle of the morning. OK, I understand. All right, cool. All right. Talk to you later.
Agent: Uh, that's correct. And And yes, uh, [PII], don't forget to visit your email address, OK, for more updates on time.
Customer: OK.
Agent: OK, and, uh, again, uh, my name is [PII]. Thank you for doing business with time. Have a good day and take care always, OK? Uh, I hope I give you a 5 star customer service, OK, for your, uh, for your, uh, for your cooperation. Thank you so much, uh, [PII], and, uh, stay safe and stay warm. Bye for now.
Customer: Yes, you did. Thank you. You did, you did. You did. Thank you. All right, bye-bye. Bye.
Agent: Don't forget to smile every day, OK? Thank you so much.
Customer: All right, thank you."