Bad experience with PB Tech

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Awrrr
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#2384737 3-Jan-2020 20:14

Nope. I just expect them to have the courtesy to inform me in advance if they are going to come with some added requirement after I have already gone to the trouble of filling in all their forms. Then at least I can make an informed decision whether I want to proceed or not.

Apart from that, who cares if I am in a minority? It is my money. If they want to have some of it, they will have to accommodate me. What is so foreign about that?

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RunningMan

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#2384759 3-Jan-2020 20:45

Rikkitic:[snip]

Nope. I just expect them to have the courtesy to inform me in advance if they are going to come with some added requirement after I have already gone to the trouble of filling in all their forms. Then at least I can make an informed decision whether I want to proceed or not.

Arguably, they have. It's right there in their buying with a credit card info section, including a couple of different ways of accomplishing it. It's in plain English and fairly easy to read. https://www.pbtech.co.nz/card-security-check

Your requirements or expectations are probably different from the bulk of their online customers (which is perfectly fine IMHO, it would be boring if we were all identical), so perhaps next time you are buying from a company that you don't routinely use, have a closer read of their policies first to make sure nothing's going to be a problem.

Short of forcing people to read pages and pages of polices before placing an order just to make sure that each buyer was aware of every single possibility that they may object to simply wouldn't work; people would give up and not use the system. Given your requirements around payment are somewhat more limited than the bulk of the website users' then I suggest having at least a skim through the various policies first to avoid the obvious frustration you've had this time around.

Handle9

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#2384808 3-Jan-2020 21:52

Rikkitic:
Nope. I just expect them to have the courtesy to inform me in advance if they are going to come with some added requirement after I have already gone to the trouble of filling in all their forms. Then at least I can make an informed decision whether I want to proceed or not.

Apart from that, who cares if I am in a minority? It is my money. If they want to have some of it, they will have to accommodate me. What is so foreign about that?

I'm sure they'll miss you.

Batman

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#2384814 3-Jan-2020 22:05

This has got nothing to do with pbtech itself. It's called fraud protection systems. Many online retailers do that. After triggering chargebacks for the umpteenth time I can see the pain that retailers go thru. Basically at any point within 60 days if I tell my bank I didn't authorise a particular transaction, my bank with take money from the retailer and move it into my account. There is little the retailer can do. Every time i did that due to fraud I was successful. They lost money. Every time.

Maybe it's a case of once bitten twice shy from the point of the retailer.

SirHumphreyAppleby

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#2384912 4-Jan-2020 08:56

Batman: Basically at any point within 60 days if I tell my bank I didn't authorise a particular transaction, my bank with take money from the retailer and move it into my account. There is little the retailer can do. Every time i did that due to fraud I was successful. They lost money. Every time.

The retailer can respond to the chargeback with additional evidence. I've only had this once when assisting someone with a chargeback against Viagogo. Viagogo provided fabricated evidence and failed to address key points in the original dispute, probably because they have automated systems for handling the huge number of chargebacks against them.

I get the impression that sometimes the chargebacks aren't always at the expense of the seller. I had one issue (with eBay/Paypal) where transactions were processed in the wrong currency. The bank offered compensation for the exchange loss, but I kept insisting that wasn't acceptable. The behaviour of eBay/Paypal was fraudulant as far as I was concerned. I kept insisting the transaction was not authorised, and eventually they just gave me a full refund, probably to shut me up. I contacted one of the sellers immediately afterwards (the other I couldn't contact) and asked them to inform me if eBay reversed their payment as I was happy to pay for the products. They never did, so I can only assume the chargeback was never processed.

1024kb

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#2384914 4-Jan-2020 09:18

darthkram:
Remember having to do something similar with Computer Lounge a number of years ago so I suspect it may be a requirement levied on the stores by banks?

Same company. I was told by a Hamilton staffer that Computer Lounge owns PB Tech.

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noddy76

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#2384922 4-Jan-2020 10:02

1024kb:
darthkram:

Remember having to do something similar with Computer Lounge a number of years ago so I suspect it may be a requirement levied on the stores by banks?

Same company. I was told by a Hamilton staffer that Computer Lounge owns PB Tech.

Nope. Not the same owners/directors.

https://app.companiesoffice.govt.nz/companies/app/ui/pages/companies/1278217/shareholdings

https://app.companiesoffice.govt.nz/companies/app/ui/pages/companies/592707/shareholdings

dogstar001

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#2386142 6-Jan-2020 15:04

I had the same issue, but it played out differently. They said they would cancel my $1,200 order unless I got authentication from my bank. This looked to hard so I then ordered again using

a different payment method (direct credit). I assumed my first order would be canceled, as I didn't authenticate.

They then decided to process both my first order, which I didn't authenticate along with my second.

I then had to go directly into one of their stores to get a refund on the 1st item which was a pain.

They were willing to refund the cost of the item but refused to refund the credit card transaction fee of 2.1. So not only did I have to waste my time returning the item, I also got

short changed 2.1%

They are a Micky mouse outfit.

I try to just buy off amazon now.

mudguard

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#2386145 6-Jan-2020 15:11

Rikkitic:

I do not use 2FA and I do not have Internet banking. That is my choice. Why should this company or any other simply blithely assume that I do? They are not doing me a favour by selling me something. I am doing them one by spending my money with them. They ought to be bloody grateful instead of demanding I perform circus tricks.

It is interesting, my father (who is 66) rarely used a PC, had a candy bar phone until perhaps two years ago, is now comfortable using a smartphone, tablet and internet banking. In fact he said the other day that he couldn't envision ever stepping foot into a bank again. To him it was a revelation.

I'm as suspicious as the next person when it comes to being online, I use several date of births, perhaps a dozen email address etc etc, but sometimes the convenience outweighs the risks.

Rikkitic

Awrrr
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#2386150 6-Jan-2020 15:25

mudguard:

I'm as suspicious as the next person when it comes to being online, I use several date of births, perhaps a dozen email address etc etc, but sometimes the convenience outweighs the risks.

Sometimes it does. But people try to extrapolate their lifestyle on others, and then pass judgement on them and I resent that. I know perfectly well how useful smart phones and Internet Banking can be for those who need this sort of thing. I don't happen to feel I do. Except when stupid companies try to cause problems for me, I am perfectly happy with the way I have things set up. I don't need a phone. I don't want one. I can't use one. I feel the same way about Internet banking. I have looked into it but it doesn't add value to my life. I just don't do enough transactions. I don't live in town so have to go there for shopping anyway and passing by the bank is no problem at all.

There is a certain arrogance in assuming that the way you do things is the way everyone else should, and some suggestions here that my choices are somehow responsible for the issues I am having come close to victim blaming. The issue here is I wanted to spend money with a retailer and the retailer made silly demands after the fact and I refused to meet them. So I asked for my money back and went to a more accommodating retailer. Problem solved.

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Senecio

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#2386164 6-Jan-2020 15:37

Rikkitic:

Sometimes it does. But people try to extrapolate their lifestyle on others, and then pass judgement on them and I resent that.

I can't believe that you still fail to see the irony in your own comments?

Do you not see that you're extrapolating your lifestyle on others? You choose not to use internet banking, I don't understand why not but that's fine, do as you please. But then you insist that others need to accommodate your choice?

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SirHumphreyAppleby

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#2386169 6-Jan-2020 15:48

dogstar001:

They were willing to refund the cost of the item but refused to refund the credit card transaction fee of 2.1. So not only did I have to waste my time returning the item, I also got

short changed 2.1%
They are a Micky mouse outfit.
I try to just buy off amazon now.

Part of the 2.1% you're paying is to protect you. You should have contacted PB Tech to get a response in writing, then filed a chargeback with your card provided if they did not respond or refused the refund.

Although evidence of return would help your case, I don't believe in giving up leverage, so I would have held on to the item and let the bank sort it out. That's what you're paying them for.

floydbloke

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#2386170 6-Jan-2020 15:51

Rikkitic:

...

I do not use 2FA and I do not have Internet banking. That is my choice. Why should this company or any other simply blithely assume that I do? They are not doing me a favour by selling me something. I am doing them one by spending my money with them. They ought to be bloody grateful instead of demanding I perform circus tricks.

...

That is of course your prerogative. Just as it is the retailer's to not want to do business with someone because they deem it too financially risky or the cost-of-sale is too high.

Sometimes I use big words I don't always fully understand in an effort to make myself sound more photosynthesis.

Rikkitic

Awrrr
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#2386176 6-Jan-2020 16:03

Senecio:

I can't believe that you still fail to see the irony in your own comments?

Do you not see that you're extrapolating your lifestyle on others? You choose not to use internet banking, I don't understand why not but that's fine, do as you please. But then you insist that others need to accommodate your choice?

No irony at all. If I was applying for a loan, or crying for help because I was drowning, and I was told I had to have Internet banking to get rescued, I would damn well get Internet banking. What amuses me about this whole thread, is the weird notion people seem to have that businesses enjoy some kind of special privilege because they are so magnanimous that they are willing to take your money. This turns the whole provider/customer relationship on it's head.

Without my money (and that of others, of course), the business will go out of business. It will fail and people won't get paid. The retailer exists by grace of the willingness of its customers to buy stuff from it. It is not doing me a favour by selling to me. I am doing it a favour by giving it my money. It ought to be kissing my feet in gratitude. Instead, it gives me a bunch of crap. It is an odd way to do business, but yes, it has every right to cut its nose off. It doesn't have to sell to me.

More to the point, I don't have to buy from it. My money is lost to it. That is indeed a strange way to do business.

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Rikkitic

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#2386178 6-Jan-2020 16:05

SirHumphreyAppleby:

Part of the 2.1% you're paying is to protect you. You should have contacted PB Tech to get a response in writing, then filed a chargeback with your card provided if they did not respond or refused the refund.

Although evidence of return would help your case, I don't believe in giving up leverage, so I would have held on to the item and let the bank sort it out. That's what you're paying them for.

Doing this, or anything like it, is a hassle that costs time and effort. Why should good faith customers have to put up with it?

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