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Every moment dealing with this company has been a ridiculous nightmare. From start to not knowing when it will end.

(This part’s not so crazy, but still annoying)

In Sept 2010 I went into Future Shop #67 at Yonge and Dundas to look at lap tops. I was thinking about buying a MacBook because the lap top I had was failing me and FS was running a promo where if you bought a Mac you got a free printer with it. A sales person helped me out for a while and showed me the different MacBook’s, but I was just browsing at the time and I don’t think I had money or ID to buy it that day.

I came back the next day ready to buy, and the man that helped me the day before spotted me and offered his help again. I thought he was going to help me out right away, but then he made me wait while he finished up a sale with a couple. I thought it would only be a few minutes, so I was okay with it at first. I waited for at least a half hour for him. In the meantime I had 3 other salespeople ask me if I needed help. I told them I was waiting for someone to get me a MacBook, and I could even see a ladder set up against the wall where my lap top was stored, so all they had to do was climb up there. They all asked who was helping me, and I pointed him out, but even though he was still helping the other people and they were doing nothing, they wouldn’t get the computer for me. They were all clearly too scared of pissing him off by stealing his sale, so I just got to stand there and start at the ladder next to my computer. I at least was able to convince one of the guys to get the free printer ready for me. Finally when the first asshole was ready to sell me my item, he offered me the FS credit card. I went for it because I thought it would be easier to pay it over the year instead of all at once. Worst idea ever. I should mention that I never got an actual card to begin with – the credit card number just got printed on my receipt and statements. I also got some sort of balance protection for my card because the final cashier told me that it was only about a dollar per month. She was wrong – I started getting billed $28 a month for my balance protection, only to find out it’s a not a dollar per month, but a dollar per every X amount of dollars you owe on your card. Either this girl was stupid and not trained properly, or was trained perfectly well to lie to customers.

(This is when sh*t really starts to hit the fan…)

Anyway, so August 2011 rolls around and I realize it’s almost time to pay off my computer. I forgot that the only payments I made were on the balance protection and not the actual computer, so I was gung-ho about paying it off all at once.

I was a little bit worried about paying it online because I wasn’t sure if I set up the account properly, so I decided to pay in store thinking this was more secure. WRONG!

When I went in, because I didn’t have an actual FS card, I had to answer a bunch of security questions with the sales associate to get my balance. Even after answering questions with her, she didn’t have enough authority to check my balance, so she had to call the credit card office. I got on their store phone and answered security questions with 2 more people (for about 45 minutes because I could barely hear anything on their phone). I finally got my balance. The sales associate pointed me to another cash line since I was paying debit.

My balance was $1470. I tried to pay it off on my debit card all at once, but it wasn’t approved. I had all the money in there, but I realized my account had a limit on it of how much I could spend at once. I asked her to try just $1000 and I would pay the rest off another day. The transaction seemed to go through, but it wouldn’t print out a receipt that said it was approved. She said something about voiding the first transaction of the full amount, and that it wouldn’t let her print a new receipt – all she could give me was a debit receipt that said $1470 Not Approved. I thought this was really sketchy, but she said not to worry. She said if it went through, it will show up on my bank account. When I checked my debit account online, sure enough, it was there – Future shop #67, $1000, as well as on my statement later on. And eventually before my year was up, I paid the balance of $470 online (which I thought was a bit of a risk).

So here I was thinking that I’ve paid off my account in advance. Good for me. I had a lot on my plate coming up, I was moving and about to travel. What happens when I come back in November to pick up my mail from my old place? A statement from FS saying that they received my $470 BUT NOT MY $1000 and I now owe them that with INTEREST.

I called them on Nov 21 to explain that I’ve already paid this. I gave them the details about making the payment in store and I gave them the date that it was taken out of my account from my statement. The girl on the phone told me that they would launch an investigation and I can follow up in 7 to 10 business days.

One week later (on the 29th or 30th) I received a call from FS/Chase reminding me that I still owe them money. I explained to them that I have already called them and that they told me they would investigate my missing payment. He looked it up in his file and said, “oh yea, there is a note from Nov 23 saying that we’ve sent you a letter and you have to fill out a form in order for us to launch an investigation.” I asked  him about this letter, because the woman I spoke to the week before never mentioned it. He told me that I needed to fill it out and include a copy of my receipt from the store. I told him I don’t have anything because she never printed anything that said approved and I couldn’t find the other one that said “not approved”. So I asked if I should go to the store where I made my payment to help with the investigation – he told me I shouldn’t. From what he explained about the letter anyway, it sounded like it got sent out on Nov 23, so I immediately started checking my old address for the letter. Nothing.

This past weekend I’ve called my bank to inquire about the missing payment and they told me a copy of a bank statement should be enough proof for them. She was able to give me the exact date and time of the transaction and the location, and advised me to go to the store to get them to print me a duplicate receipt.

After talking to the bank, I went back to the store and the manager said too much time has passed to print a duplicate receipt, but that he would email their banking department and inquire about the payment, and expect to hear in a couple of business days.

After going to FS, I called their credit card line to ask about the letter again since I still haven’t gotten it. They told me it only got sent out on the 29th – which is exactly the day or around the day that I first heard about it, so I’ve been chasing my mail at my old address for nothing.

So now I’m left waiting on this mysterious letter to arrive and wait for the store to update me with whatever info they get from their banking department. I’m so fucking sick of trying to prove that I’ve already paid them what I owe. I’ve wasted so much time calling them, dealing with them in-store, and I’m spending money going back and forth to travel between their store and my old place checking my mail. I’m so scared that they are going to say it’s been too long and they can’t find my payment and this is going to fuck up my credit record. Even if they do resolve this, I am filing a complaint to the Better Business Bureau for their poor business practices and wasting my time.

NEVER SHOP AT THIS STORE!!! If you want an Apple product, go to Apple. Don’t be fooled by a free printer promo – it’s not worth it. Don’t go with their credit card, because they can’t accept your payments anyway. Just don’t buy anything at all, because apparently all of their cashiers are brainless idiots or are trained to scam you every way they can.

5 Responses to “Long story: More than a year of torture”

Come back and re-post in a week when it’s fixed. And learn to change your address with your creditors when you move while you’re at it. You’re lucky that it was an FS card, and not a VISA, or MC. FS/Chase will fix your mistake, and eat the interest. VISA wouldn’t.

The 1000 dollar payment was a dropped invoice. It happens everwhere, even at banks. It’s your job to notice these things. Any given FS does almost 1000 invoices a day, with one dropping 1-2 times a month. You are the 1%> that it happens to. You are responsible for your own finances. You walked out of the store without a receipt and NEVER followed up on it. You made an assumption and it bit you in the ass. Damn those sniveling FS bastards. You can check your FS balance online using the FS card receipt you got when you applied for it, the same one the associate used to process your sale. Did you do that? No, that would require an output of effort on your part, it’s much easier to blame the minimum wage teenager at Customer Service that take responsibility for your own life. Next time you half-ass something, take ownership. Right now your biggest complaint is that Futureshop is taking too long to fix a problem that arose from you being too lazy to give something your all. Your finances are entirely your own problem. If you can’t motivate yourself to follow through on $1000 then you can’t blame anyone but yourself.

I understand that it was an error on my part to assume the payment went through, but it only made sense because it showed up in my bank account and I wasn’t getting any more statements from futureshop saying I still had an owing balance until at least a month after it was due. I wasn’t too lazy to check my balance online – one of my issues with the card that I didn’t mention previously was that I couldn’t even check it online. I’ve tried to do it in the past but the site never let me view my account, so I’ve always just called in. I suppose I should have called back in August to double check. I didn’t think of it, but I have been persistent since I found out about the missing payment.

What bothers me is how much wrong information I’ve been getting from the store employees and from the collection side. This letter was such a mystery to me so I had to ask them to resend it to my new address and surprisingly that one came first. The first one hasn’t shown up yet and supposedly it’s been in their file since the 23rd to send it to me.

Anyway, I did get some help from the store manager which I really appreciate. He got the banking department to find the payment and apply it to my balance. Now I just have to make sure they get my letter and bank statement to dispute the interest charges.

And I’m not trying to hate on min wage cashiers. I’ve worked retail for years. But if I was dealing with that big of a payment and I couldn’t give my customer any reassurance because I messed up voiding a transaction, I would at least get a manager or someone who knows what they are doing to fix the error and give the customer something. I will def be more careful in the future, but I still won’t support this store for their lack of customer service and lack of training their employees

I don’t want to sound mean or anything, and reading all the other comments with people blaming others for being employees, im not an employee of Future Shop or Best Buy.

I can agree definitely on certain aspects of Future Shop being a bad company, and alot of companies are like that, in fact, most corporations are like that, you just can’t see it as easy sometimes.

If you don’t like Future Shop, why do you shop there?!?! That’s what is killing me, go to visions, memory express, anything if your that pissed off at FS.

@strages: you’re a complete d****ebag. What happened wasn’t right or fair. Trusting a company and assuming it’s employees are competent isn’t ‘lazy’. Is this victim supposed to force the cashier to provide a receipt after being told there was a computer problem? We’re the consumer, shelling out a ton of cash for overpriced products because that’s what we do. It is pathetic that FS doesn’t have a proper equipment and the employee should have made sure a backup was provided from the manager. Once the issue was flagged it should have been corrected quickly because there was a bank record.

FYI: this is 2012, ‘invoices’ in this instant are electronic. The fact you suggest some sort of a lost invoice, as though someone has a stack on a table is laughable.

@ bluetheimpala . You are an idiot. How do you think that would hold up in court? People are supposed to be responsible for their own finances, if this guy had an accountant, they would have been all over that (I know that is a hypothetical scenario). Although invoices are electronic, they still get lost (or ‘dropped’), ever heard of a ‘glitch’ or a ‘bug’ or maybe even a ‘virus’? I’m not saying that FS has a virus in their system, but I am saying that just because it’s electronic doesn’t mean it’s untouchable. Shit happens all the time, sh*t that no one can control.

as for the OP, im glad that you’ve seemed to ’simmer down’ a bit since your first post. The whole situation was of course not one or two people or even a company out to get you, it was just a series of unfortunate events, as it will. It’s not your fault, but it’s not the cashier’s fault either. It’s a little bit of everybody, mixed with some bad luck. I’m sorry to hear about your situation, hopefully your next laptop purchase (wherever that will be from) goes down a lot smoother.

And to all you haters, open your eyes. Yes FS is not a great company, they make mistakes all the time, and some employees are douchbag snakes just out for the commission (and will thus sell you HP (sh*t laptop), Bose (Sh*t speakers), or some other piece of sh*t just because it makes them $2 more than the good products).

But you know what? it seems like 50% of the problems on this site result from people not having common sense.
-Trying to return an item on Boxing Day (youre an idiot) NOT GONNA HAPPEN.
-Trying to return that cell phone on day 22? NOT GONNA HAPPEN.
-Trying to get PSP to cover your ipod that you dropped in a puddle? NOT GONNA HAPPEN.
-Trying to get the home address of that cute cashier from the customer service dude? NOT GONNA HAPPEN.

Just like any other store, FS has rules and policies that determine what employees are allowed and not allowed to do, this can be known as Standard Operating Procedure. Employees have to follow them, but usually they end up affecting the consumer. All you FS haters, power to you for standing up for what you believe is right, but please try to make sure that you ARE right before acting like it.

FS is responsible for their employees, true. But YOU are responsible for your own money. YOU ALONE know the PIN to your credit card (hopefully), and YOU ALONE can make that money come out of your account. So be careful! No one ‘tricks’ you into buying stuff, and if they somehow have, you have 30 days to return!
(OP: yours was a bit of a different situation, I know)

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