Credit Card dispute – not sure what to do.

posted 2 years ago in The Lounge
  • poll: What do I do?
    Call the credit card company and tell them the truth : (20 votes)
    83 %
    Call the company that made the charge : (1 votes)
    4 %
    Do nothing - FREE MONEY! : (3 votes)
    13 %
  • Post # 2
    Member
    1249 posts
    Bumble bee
    • Wedding: April 2014

    I believe in always being honest. It was a legitimate charge, so the refunded money is not yours.

    Please do the right thing.

    Post # 4
    Member
    3398 posts
    Sugar bee

    MsGinkgo:  Call them up and let them know the charge was valid.  Look at it this way: you’re stealing, you got something for free that was supposed to be paid for, and unfortunately not much is free in the world.  I’m not saying you’re stealing but it’s just another way someone could look at it.

    Post # 5
    Member
    605 posts
    Busy bee
    • Wedding: September 2016

    Call and let them know the charges were valid. I would be afraid they would find out they really were valid if you didn’t tell them. Then you may have issues in the future that they would not resolve for you! 

    • This reply was modified 1 year, 10 months ago by  hollysmith92.
    Post # 6
    Member
    1025 posts
    Bumble bee

    Call the credit card company. As someone who has worked in a bank position that files these disputes I can assure you that the credit card company would be contacting the other company to investigate the charge and would probably figure out the legitimacy of the charge anyway. Save everyone the trouble and just give them an update, I promise it happens all the time!

    Post # 8
    Member
    5032 posts
    Bee Keeper
    • Wedding: January 2050

    MsGinkgo:  Don’t want to call because you’re nervous about it, or because you want to keep the money? If it’s the first part, don’t worry — it will be no big deal. If it’s the second part, I don’t blame you but you still need to. I’d start by calling the credit card company. Ask them if THEY put the credit through, or if the merchant did. If the credit card company did, just explain that you have verified that it was a valid charge and ask if they can reverse the reversal. If they can’t, then ask them if you should call the merchant or not. I wouldn’t call the merchant first, becauses I think in most cases it’s the credit card company that takes the hit, not the merchant. So if the credit card company paid the merchant, then credited you, then you call them and say “hey, I was credited in error, you should charge me again” then the merchant gets paid twice. I’m not positive that’s how it works though, so talk to the credit card company.

    Good looking out, btw! Gotta watch those statements and call if anything looks weird. Better safe than sorry!

    Post # 10
    Member
    1025 posts
    Bumble bee

    MsGinkgo:  at least at the bank I worked at you would have been issued a “provisional credit” while they contacted the company to work it out. If they could prove it was fraud you would keep it but if they discovered it was legitimate ypu would get a letter in the mail and the credit would be retracted. Again, this was just for the bank I worked with and your credit card company may be different.

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