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Cingular Raises Bar to Getting Rebates

By Ed Foster, Section The Gripelog
Posted on Fri Feb 17, 2006 at 12:17:51 AM PDT

More and more companies have adopted a new way of raising the bar for customers who want to collect on their rebates: send them debit cards instead of a check. One reader was quite annoyed recently to discover that was what Cingular had done to him, particularly when not all the debit cards worked.


We recently purchased three new phones in connection with upgraded service from Cingular, the reader wrote. We dutifully mailed in all the forms, etc., to claim the rebates. The rebates came, but not in the form of a check, as expected. They came in the form of three Cingular-branded preloaded debit cards, complete with Visa logo.

The reader received two $50 and one $30 debit card from Cingular in lieu of rebate checks. The first card worked fine at a restaurant, the reader wrote. The second was declined at a Wal-Mart as having an invalid account number. The third was declined for the same reason at a grocery store. The manager of the grocery store was very familiar with this situation -- she has seen it many times. The rebate debit cards routinely don't work, she told us.

The reader has gone through all the steps he was supposed to take with the rebate debit cards and is certain he did them correctly. Yes, we activated all cards via phone upon receipt, he wrote. Yes, we punched in the correct pin numbers at the store terminals. 'Invalid Account Number!' So what should we do? Hassle endlessly with Cingular to try to get them to make it right? I am not inclined to do that -- something I'm sure they count on so they can keep the rebate money. The expiration date on the cards is 4/06, at which point any remaining balance goes back to Cingular.

Even if all three cards had worked, the reader still thinks its a crummy way for Cingular or anyone else to pay off its rebates. If the rebate debit card does work, what about the residual balance if you happen to not use up exactly the entire amount? the reader wrote. Our restaurant purchase was $44.13. So do we need to by something we can buy something for exactly $5.87. Actually, if we'd been thinking, we would have left another $5.87 in tip. This is just another case of a rebate scam that just gives the perpetrator -- Cingular -- a bad name.

< Debit Card Breach Clouds Privacy Law Prospects | Has WhenU Really Reformed? >


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Cingular Raises Bar to Getting Rebates | 238 comments (238 topical) | Post A Comment
I don't like them either, but...[ Reply to This ] (none / 0) (#1)
by wantobe on Fri Feb 17, 2006 at 02:54:33 AM PDT

Oh, c'mon; do you really not know how these cards work? There's no residual balance; if your purchase at Walmart (for instance) is $20, you can use the card to reduce the balance by the $5+, then pay off the remainder however you normally would.

The other cards not working is a bad thing, but don't complain about how Cingular MIGHT handle it, and how much a hassle it MIGHT be. Call them and attempt to get it straightened out. There's a good chance that you did screw something up in the activation, but maybe not. Either way, Cingular just might work with you very well to get them back up online. Just please don't complain about it until you actually have something to complain about.

One thing I'll agree with is the short expiration date, and that's something I would complain to Cingular about. Still, in the posted article we don't know how long the user has had the cards. I personally would use the cards pretty quickly, buying groceries and whatnot, but some people might not use them within a month. Six months is a reasonable amount of time, I guess, since they are usable (when they work) at just about any store that accepts Visa.

My major issue with this article, though, is that the writer is complaining about Cingular before giving them a chance to fix the issue. He still has plenty of time (the end of 4/06 is still two months off), and I don't know about the rest of you, but $80 is enough to motivate me to call and at least try to get them fixed.


Rob Miles
--
There are 10 kinds of people in the world; those who understand binary and those who don't.
[ Reply to This ]



But all the effort...[ Parent | Reply to This ] (none / 0) (#2)
by Matthew Cervi on Fri Feb 17, 2006 at 04:03:49 AM PDT

I'd be complaining, too. Look at all the effort they guy is having to go through versus just driving to the ATM and depositing 3 checks.

Issuing debit cards has to be more expensive than checks, so I have to assume this is another scheme to try to prevent people from collecting fully on their rebates.

I don't even understand how the things work. What happens if you accidentally try to go over the balance on the card? Does it just stop at the set amount like a gift card, or do they find a way to stick you with another fee for overspending?

[ Parent | Reply to This ]


make up difference[ Parent | Reply to This ] (none / 0) (#3)
by tcsbiz on Fri Feb 17, 2006 at 06:16:19 AM PDT

OK. So nothing should take effort. Stuff happens sometimes and you have to deal with it. I had Cingular gift cards. They worked fine except that one had to be swiped three times. I think the magnetic strip may not be very good on them. If there isn't enough money on the card for the purchase you are making, you make up the difference. Maybe that't too much effort, too. I like the idea of prepaid cards. I can use them anywhere and don't have to cash a check. The exception is the cards issued by stores such as Best Buy. You can only use them as Best Buy. I do have a complaint about Cingular's lousy service quality, though. Many times, I can hardly get a signal. "Can you hear me now?" No, no I can't! Oops, sorry... wrong company. Tom.

[ Parent | Reply to This ]


The point...[ Parent | Reply to This ] (none / 0) (#4)
by Anonymous User on Fri Feb 17, 2006 at 06:34:34 AM PDT

Is that there is no good reason to send these STUPID debit cards instead of checks. NONE! There should be no hassle in using the cards if they are so much better than just cutting a check. The only effort that should be needed is to send in the properly filled out rebate form and include the appropriate receipts and UPC codes. Customers should NEVER have to jump through these kinds of hoops to get/use thier rebates. It's time to outlaw rebates and force these companies just to take the price off at the purchase site.

[ Parent | Reply to This ]


Outlaw rebates?![ Parent | Reply to This ] (none / 0) (#5)
by wantobe on Fri Feb 17, 2006 at 07:24:13 AM PDT

Well, that's just nuts. If you outlaw rebates, only outlaws will give... er,

Anyway, I disagree. Rebates are good precisely for the reason that so many people never cash them in. That means I get to take full advantage of them without fearing that the companies will find them unprofitable and stop doing them anytime soon. Because in that event, the prices of goods that I want to purchase will stay at their normal levels without any benefit to me.

If you really want to see rebates go away, encourage everyone you know to apply for them every time they have one coming. If everyone does it, the companies will stop offering them.


Rob Miles
--
There are 10 kinds of people in the world; those who understand binary and those who don't.
[ Parent | Reply to This ]



All the more proof[ Parent | Reply to This ] (none / 0) (#9)
by Anonymous User on Fri Feb 17, 2006 at 12:59:18 PM PDT

"Rebates are good precisely for the reason that so many people never cash them in" Good for business, bad for the citizenry. Really puts the lie to that "Goverment by the people, of the people, and for the people" thing, eh?

[ Parent | Reply to This ]


Leave government out of this[ Parent | Reply to This ] (none / 0) (#17)
by Anonymous User on Tue Feb 21, 2006 at 09:25:07 AM PDT

This has nothing to do with "government of the people, by the people, for the people" (correct quote from the Gettysburg Address). It's not the government giving the rebate, it's a private business in a private transaction. If they don't actually give the money that they're claiming to give, that's fraud and should be dealt with, but they have no obligation to give any rebate at all, so if they choose to do so, they have the right to set the rules. If you don't like their rules, don't buy their product.

Most businesses play games with their customers psychologically. Would Coke be the best-selling soft drink in the world if it didn't promote itself with lots of things that have nothing to do with the taste of the product? Would people be as likely to buy a given piece of furniture if they didn't think it was "on sale"? Rebates are another psychological game to make people think they're getting a deal, whether they really are or not. If some people get swayed to buy something by a rebate, then can't be bothered to follow the rules, that's their problem, not mine and not the government's. Next you'll be claiming that all advertising should be illegal.

If Cingular ignores a request for a fix to the malfunctioning debit cards, then that's something to complain about, either here or to the BBB and your state's consumer protection office. But until then, I agree with Rob; quit whining until you've given the company a reasonable chance to correct the problem.

[ Parent | Reply to This ]



Maybe not,[ Parent | Reply to This ] (none / 0) (#22)
by Anonymous User on Tue Feb 21, 2006 at 10:33:11 AM PDT

But the government is supposed to regulate these companies to support the public good, not support the companies to screw the public!

[ Parent | Reply to This ]


Won't someone think of the citizens?![ Parent | Reply to This ] (none / 0) (#29)
by Anonymous User on Tue Feb 21, 2006 at 01:43:10 PM PDT

It is not the government's job to regulate companies to protect consumers.

Anyone who is foolish enough to let the government stand in for their own common sense and market power deserves to be parted from their money.

[ Parent | Reply to This ]



Not the Government's Job?[ Parent | Reply to This ] (none / 0) (#52)
by Anonymous User on Mon May 08, 2006 at 10:57:45 AM PDT

If the government is of the people, by the people, and for the people, then there's nothing wrong with the people (as the government) regulating business.

It is precisely the government's job to protect the people, because that's why the government is there in the first place.

Someone needs to reread the preamble to the Constitution.

We the people of the United States, in order to form a more perfect union, establish justice, insure domestic tranquility, provide for the common defense, promote the general welfare, and secure the blessings of liberty to ourselves and our posterity, do ordain and establish this Constitution for the United States of America.

Obviously, regulating business falls under both the "establish justice" and "promote the general welfare" clauses, because preventing people from taking advantage of others is just, as is making sure corporations promote the general welfare

[ Parent | Reply to This ]



Nothing to do with government[ Parent | Reply to This ] (none / 0) (#19)
by cmcphate on Tue Feb 21, 2006 at 09:47:40 AM PDT

This has nothing to do with government or citizenry. It's only about the relationship between business & consumer. Talk about making a stretch...

[ Parent | Reply to This ]


Rebates will never be outlawed[ Parent | Reply to This ] (none / 0) (#7)
by Anonymous User on Fri Feb 17, 2006 at 10:32:03 AM PDT

Unfortunately, I believe rebates will never be outlawed. That's because you are taxed at the full price, and the rebate (if it comes) does not include any return of the excess taxes paid. I don't believe any politian will give up a revenue stream willingly. I hate rebates - they are a hassle (even if things work as advertized), they require you to transfer personal data to complete the transaction, and you are overcharged taxes everytime. Whoever came up with the rebate idea should be forced to go hunting with Cheney.

[ Parent | Reply to This ]


Re: The point...[ Parent | Reply to This ] (none / 0) (#8)
by Anonymous User on Fri Feb 17, 2006 at 12:36:24 PM PDT

Is that there is no good reason to send these STUPID debit cards instead of checks. NONE!

No reason for the consumer, but *every* reason for the issuer. From a financial/business standpoint, these cards make perfect sense.

First, they keep their money until you spend it. This allows them to collect the interest on whatever amount is on the card. While each card's balance individually is small, it adds up to quite a bit when you consider that they issue thousands of them.

Second: They also get all the what/when/where transaction details of the purchase.

Third: Anything you don't spend, they get back. This reduces the overall cost of the rebates.

[ Parent | Reply to This ]


Solution[ Parent | Reply to This ] (none / 0) (#10)
by Anonymous User on Sat Feb 18, 2006 at 01:34:09 PM PDT

Ideal: Pass Federal Law that advertised rebates must be cashable at time of purchase or have a written guarantee the rebate will be honored fully (with heavy penalties for failure to honor a rebate. Realistic solution: Cash out the cards as quickly as possible, never shop based on rebate incl. prices, if possible look for deals that don't involve rebates

[ Parent | Reply to This ]


There ought not to be a law[ Parent | Reply to This ] (none / 0) (#31)
by Anonymous User on Tue Feb 21, 2006 at 01:48:27 PM PDT

Ideal: Anyone who takes it in the pants from a bad rebate stops doing business with the issuing company and tells everyone they know about the problem and everyone _actually_ listens and uses their market power to stick it to the business.

The idea that there should be a law like this is simply preposterous.

[ Parent | Reply to This ]



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[ Parent | Reply to This ]


Sure there is[ Parent | Reply to This ] (none / 0) (#11)
by tcsbiz on Mon Feb 20, 2006 at 07:41:31 AM PDT

The cards a lot more convenient to use than checks. You just activate over the phone and use 'em. very convenient.

Tom.

[ Parent | Reply to This ]



Checks are a pain[ Parent | Reply to This ] (none / 0) (#39)
by Anonymous User on Wed Feb 22, 2006 at 09:34:02 AM PDT

Actually, checks are a bigger pain than debit cards for me and likely for most people. Checks mean filling out deposit slips and taking them to the bank; ATMs from other organizations don't take deposits.

[ Parent | Reply to This ]


I agree[ Parent | Reply to This ] (none / 0) (#42)
by Anonymous User on Wed Feb 22, 2006 at 10:46:40 AM PDT

Yes, I have everything direct deposited and very, very rarely go to a physical bank. I'd take a gift card or debit card over a check anytime. Calling to activate them isn't a big deal to me. Going to the bank and cashing a check is more effort for me. Checks tend to end up waiting for a few weeks until I get more to justify the annoyance of going to the bank. Cards I can use the next time I get gas for my car.

[ Parent | Reply to This ]


I disagree![ Parent | Reply to This ] (none / 0) (#47)
by ekuns on Mon Mar 06, 2006 at 06:38:30 PM PDT

I also have everything direct deposited and very rarely go to a physical bank. However, the gift/debit card means not only does the company get the interest while I decide what I will buy with the money, but also I have to depend on the cards functioning properly (historically a big problem with these kinds of cards, probably not a coincidence or mistake) and the issuer gets to track my purchasing and thus gets marketing information to sell in addition to my name, address, and so on.

Long ago (four or five years I think) I was supposed to get a Circuit City rebate of some sort. It wasn't a cash rebate, but a free DVD or something. I followed the full procedure but the freebie was out of stock by the time my rebate arrived, so they instead sent me a Circuit City gift card for something like $25. That was OK, considering the original "rebate" was supposed to be a specific item.

But the gift card didn't work. They were able to fix it and I got the rebate value I was supposed to get and it all worked out OK, but this just illustrates the (deliberate?) problem with gift/debit cards: When they don't work, it's just another obstacle to people getting the value they are promised. And from listening to people, these cards fail a distressing amount of the time. On the other hand, I've never heard of a check from a rebate house "failing to work." I imagine it happens (very rarely when someone goes bankrupt or something), but it is comparatively quite rare.

If the gift cards had -- in practice, not theory -- the same reliability as a check, then I would have much less of a problem with the gift cards, as I would buy something with it that gives next to no marketing information. Such as gasoline.



[ Parent | Reply to This ]


Just a note..[ Parent | Reply to This ] (none / 0) (#91)
by Anonymous User on Tue Sep 26, 2006 at 07:18:24 PM PDT

Actually, just to clear one thing up about the Gas thing...it clearly states in the Cingular rebate form that you CAN NOT use them at automated gasoline pumps. (just a note) Also, to tell you how I feel coming from a person who owns a company and takes Visa and Mastercards; there is such fraud nowadays and to be honest, we merchants are taking it in the pants left and right from Visa/Master card. They dictate what we can and cannot accept, they dictate what kinds of percents we are offered and then they tag a lot of extra charges to our accounts all the time. Some merchants, like us, will not accept reward cards because believe it or not folks, as a merchant we lose extra money on reward purchases. Visa/Master cards takes more money from the purchase before it gets into our business account. I don't like the rebate card and would prefer the check. In my opinion, I purchased the equipment expecting to reimburse my own checking account the cost of the product. I was not looking to spend that extra money but purchased from Cingular with a rebate in order to actually not have spent any money at all. If I wanted to go to dinner, buy something at Wal-mart, etc., that is all budgeted in. I was not informed upon purchase that the rebate would be a debit card. As a matter of fact, the sales clerk was smart enough to fill the forms out and set everything up so that all I had to do was mail the rebate...I guess maybe that would be so that I would not have a chance to read the fine print.

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Why they don't work[ Parent | Reply to This ] (none / 0) (#26)
by Anonymous User on Tue Feb 21, 2006 at 11:30:23 AM PDT

Like most people, I would probably have given up and tossed them in the drawer. We had 4 of the $30 cards and fortunately for us, they were in the hands of my wife, who holds on to every dollar as if it were her last. The secret, you can only charge what the card is worth and you have to keep track of what is left. So if you have a bill for $30.01 and you try to use the card, it won't work. If you're at a place where they can split the charge, have them take exactly the remaining balance off the card. So far, it has worked for my wife each time. Maybe it was Cingular's thought that these things would only go to men.

[ Parent | Reply to This ]


Another thing to watch out for re: Cingular[ Parent | Reply to This ] (none / 0) (#94)
by lionspa on Tue Feb 13, 2007 at 01:29:25 PM PDT

I can't complain about the way the cards work. If charged as "credit" not "debit", they worked just fine for me. Plus, you can always find an online bill (such as Cingular, as mentioned) that you can make an online payment for. HOWEVER... the real "scam" I've found with these Cingular rebate cards is with the Cingular Store salespeople. I upgraded phones and was looking at various bluetooth accessories to go with it. I HATE rebates and usually avoid them, but the sales guy had a $100 rebate on the phone, a $30 rebate on a headset, and a $25 rebate on some headphones. I got all three and sent in the rebate forms. Well, the $25 one got rejected. The reason on the letter was that it "wasn't purchased at an authorized retailer". Huh? After calling them, I discover that the real reason it was rejected is that there was another clause that you can't use rebates on more than 1 bluetooth device on the same phone number. Nowhere in the documentation (and yes I keep a copy of everything) does it mention that. So, I'm out $25 unless I want to go back to the store and complain. Ironically, I discovered another "rebate" was invalid before mailing the others in. I also bought a memory card which had a $20 rebate, but didn't read the form til I got home and it said you had to buy the card AND a 5-way reader to get it. I chalked that one up to "my fault" because I didn't read it completely before buying. So, my sales person had this great deal on my $500 purchase to get me $175 back, and suddenly $45 goes poof. Bottom line: the sales people are either liars or incompetent, so always treat rebates as a "nice extra" not a requirement needed to purchase. Buyer beware indeed!

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,ff,,,f*f不倫

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gbvv[ Parent | Reply to This ] (none / 0) (#218)
by Anonymous User on Fri Oct 24, 2008 at 07:13:22 AM PDT

,fff,fff^出会,,

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gfdd[ Parent | Reply to This ] (none / 0) (#224)
by Anonymous User on Sat Oct 25, 2008 at 06:21:49 AM PDT

出会,,,ff,,素人

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fdmm[ Parent | Reply to This ] (none / 0) (#240)
by Anonymous User on Mon Oct 27, 2008 at 08:17:37 AM PDT

,ffff"f,,ff,,童貞

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fbvd[ Parent | Reply to This ] (none / 0) (#248)
by Anonymous User on Tue Oct 28, 2008 at 08:57:03 AM PDT

童貞,f*ffff`

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gfmm[ Parent | Reply to This ] (none / 0) (#256)
by Anonymous User on Wed Oct 29, 2008 at 07:21:24 AM PDT

,fff^,f不倫

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fdgg[ Parent | Reply to This ] (none / 0) (#264)
by Anonymous User on Fri Oct 31, 2008 at 07:36:52 AM PDT

SEX,ff,,おっぱ,,

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ffgb[ Parent | Reply to This ] (none / 0) (#271)
by Anonymous User on Sat Nov 01, 2008 at 07:23:45 AM PDT

不倫熟女,fff風--

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fkoo[ Parent | Reply to This ] (none / 0) (#279)
by Anonymous User on Sun Nov 02, 2008 at 08:08:24 AM PDT

,ff,,SEX逆援

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okmm[ Parent | Reply to This ] (none / 0) (#287)
by Anonymous User on Mon Nov 03, 2008 at 07:20:05 AM PDT

不倫童貞ff',

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jdhh[ Parent | Reply to This ] (none / 0) (#294)
by Anonymous User on Tue Nov 04, 2008 at 05:46:16 AM PDT

,f*f熟女,fff

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mkoo[ Parent | Reply to This ] (none / 0) (#302)
by Anonymous User on Tue Nov 04, 2008 at 11:47:48 PM PDT