Enjoying the weather with daily trips to the beach took some of the sting out of having had my credit card info stolen and multiple bogus charges applied…
I called my bank and asked point blank how much time I had to dispute the charges and the gal told me first, 30 days, then later in the convo walked back from that and said, oh, it’s 90 days. My recollection was that it was 30 days so I didn’t quite believe her. And my follow up question about that in subsequent contact with my bank never actually got a direct answer. So I searched online and found that the law is 30 days and then the bank can refuse to help. Doesn’t mean they would refuse, just that they can, I guess. In other words, they don’t or can’t walk back any bogus charges to your credit card after 30 days. But they don’t want consumers to know that.
But armed with that info I worked hard at getting this wrapped up by requesting what turned out to be 8 bogus charges to my CC reversed. What I had to do was find a legal authority (same as a notary public in the USA) to verify my signature on a form that the bank sent me via email in PDF format. My VRBO host has a printer and he printed the form out for me, I filled in all the charges I thought were bogus (the bank later contacted me about another one that I’d missed…which was nice of them) and took the form to a nearby lawyer I’d found during my daily bike ride. That lawyer had the official government stamp and he charged me $20 to verify my signature (he watched while I signed) and perused my passport, then he stamped it and scanned it into his computer and emailed it to me. Then I used my tablet computer to email it to the bank. So this entire situation of the stolen CC info and bogus charges to my card took nearly 3 weeks to get straightened out. I am glad that I took care of it in Costa Rica rather then waiting to get home as I might have missed the 30 day deadline and have had to eat those charges. I only post this info as a warning and example that when traveling, keep a close watch on your bank charges as where and by who my CC info was stolen I only know was related to the numerous travel expenses I used my CC to pay for. ALL of them seemed legit. One of them obviously has criminals working inside the company. Twice now I’ve been hit by that one company that sells ‘shopping club’ memberships. They are criminals through and through. The first time was before another trip 6 or 7 years ago when their charges started showing up on my CC. That time though, I was savvy enough and angry enough that I got them to reverse the charges after several calls. This time I just didn’t want to bother being all tough on the phone and make multiple calls to them so I just had the bank reverse them. Fuk ’em.
Anyway, on one of my bike trips to town, I decided to ride the bike up the road straight to CocoNutz bar and as I was carefully negotiating coming off a steep hill down to a main, heavily traveled road in town I fell off the bike off a steep shoulder into a ditch. Yikes! That hurt. My foot and ankle immediately started to swell up. I limped over to CocoNutz to watch the Oregon Ducks football game and I watched it turn purple and swell. But…it didn’t hurt all that much. And I could easily put weight on it. Hmm.
North of my rental was a strip mall that I’d ride the bike to quite often. Has a mini market where I got most of my food before I found that nice big box store, and a coffee shop that had this delicious b-fast sandwich I craved. Yum. So good. Coffee was good too. What you see here is an $8.50 b-fast. They had a lending library too where I traded my finished bedtime book for “Shaman’s Crossing”. What a great story that is.











