(Closed) Have you ever disputed something on your CC?

posted 7 years ago in Money
  • poll: Have you disputed a cc purchase?
    Yes and I got a refund from the merchant : (5 votes)
    21 %
    Yes and the credit card company forgave the charge : (13 votes)
    54 %
    Yes, but I was denied any kind of refund : (0 votes)
    Never, I don't have cc's or I've never had to dispute a charge : (6 votes)
    25 %
  • Post # 3
    Member
    161 posts
    Blushing bee
    • Wedding: October 2011

    I used to work for a bank so I want to let you know that documentation is the KEY! Take in any correspondence between you and the vendor, especially if it shows that they acknowledge that the product is not up to standards. 

    Stick your grounds, the banks/cc companies will ususally make minimal efforts unless you stay on them.

    Good luck!!:)

    Post # 4
    Member
    928 posts
    Busy bee
    • Wedding: August 2011

    @moderndaisy: I did this 3 times and the money was immediately credited back to my account by my bank. Some companies allow you to do it online directly from your statement, but I called customer service with the details and explained the situation.

    I purchased a pair of sneakers online and had to return them 3 times because they were the wrong size, wrong pair, and ripped. I finally got fed up and disputed the charge when the company wouldn’t refund my money. I have to say my bank was pretty good about it,  had money in my account the next day.  

    Post # 6
    Member
    533 posts
    Busy bee
    • Wedding: August 2011

    I had a friend dispute a charge and it was refunded.  But, as the other (very smart) pp’s have said, documentation was key.  She had tried to get a refund through the store she made the purchase at and was unsucessful, but kept note of every e-mail and every phone call she had with the store, which helped with her disputed charge.

    Good Luck!

    Post # 7
    Member
    10287 posts
    Sugar Beekeeper
    • Wedding: October 2011

    I handle chargebacks (fancy term for cc disputes) at my company (the corporate office of a retail chain). In cases of fraud, the victim almost always gets a reversal since we can compare signatures. In cases of misrepresentation, damage, customer service, etc… it’s a little more challenging. Based on just the brief decription you gave, it may be a long road for you. Merchants (especially larger ones like my company) employ people who’s job it is to deny these disputes and provide proof that the customer doesn’t deserve a refund. 

    Have you made an attempt to return your merchandise? If so, what was the reason the store wouldn’t take it back?

    I don’t know how detailed you want to get but if I had more info, I could give you a better idea of what to expect. 

    Post # 8
    Member
    9029 posts
    Buzzing Beekeeper
    • Wedding: June 2011

    The way disputes and chargebacks work is this. WHen you first dispute it, they will refund you the money pretty quickly and then notify the business  you bought it from. They then provide their side of the story and often times the chargeback will be reversed, which means even though they refunded you the money they can still reverse that decision. I know this because I worked in the accounting office for a company. It all depends on how much you can prove vs how much the merchant can prove

    Post # 9
    Member
    2742 posts
    Sugar bee

    @bells: Yep, this happened to me. I once bought an iPod from a store here in NYC and he said he mailed it to me. But he never did. Because no one was at home to sign the delivery slip (which incidentally I never got). I appealed to the CC, they gave me my money but when they talked to him, they then took the money back. I was so pissed. I then started calling the guy, emailed him, sent him a certified letter, nada. He never responded. It took about 6 months but I was able to show the cc that he NEVER intended to sell me the iPod and that I never got my merchandise. I was pretty pissed though. Good luck.

    Post # 11
    Member
    6826 posts
    Busy Beekeeper
    • Wedding: June 2011

    Yep have disputed and have won each time.  Last time was a fraudalent charge not made by me and I got the money back. 

    Post # 12
    Member
    10287 posts
    Sugar Beekeeper
    • Wedding: October 2011

    @moderndaisy: It’s probably going to be tough. The retailer will be able to prove that you received the merchandise and you’ve already confirmed that you did. Since the retailer has already tried to make it right, it will make them look good to the credit card company. I know this sucks and it’s not fair since you’re still not satisfied but it is what it is. 

    Post # 14
    Member
    772 posts
    Busy bee
    • Wedding: December 2011

    I would try it–or explain to the merchant that you would like him to accept a return or you will be going to your credit card company to report the dispute, as well as the better business bureau. He might blink and back down.  That sucks you did not get what you ordered.  Next time refuse delivery.

    He could take you to small claims court even if the cc company refunds your money.

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