Credit Card Dispute

<p>Originally posted on other thread—IMHO–First-it is good to ask yourself whether you should or should not return the computer, now that it has been sent. It is indicative of what you honestly feel you should do.Second-if you are truly asking for our opinions, then I would say that you should call the company and ask for a return label-and get a confirmation number/name of the person you spoke with for future reference<strong>-and return the computer. (</strong>In case you have to dispute a new charge on your credit card). THEN, if you still feel strongly-write a letter of complaint to the President of the company outlining the reasons for your complaint and what remedies you feel entitled to-such as-a discount coupon for a future purchase. Then should you receive a letter of apology, and a discount coupon-you can give the coupon to your brother.My opinion-apOL</p>

<p>football100-continued post-If I understand your position correctly—because of the poor service of the company you feel entitled to keep the computer and not pay for it. So poor service means you have ‘earned’ a $1500 computer? Personally, I can agree with you that poor service on the part of the computer company does mean you should receive something from the company in hopes to earn future business from you-now the question is just how much? I think $1500 is not justified in this instance, but some kind of voucher/coupon and a letter of apology is correct. Keeping the computer and not paying the $1500 is like going into a store and stealing it. Not right-not OK. If they offered to GIvE you the computer without charging you-then you are absolved.Otherwise—you are stealing the computer.My two cents-APOL</p>

<p>The company stated that the computer would be shipped within 48 hours. I e-mailed the company about the status of my order after about 10 days. I receievd no response. I was tired of dealing with the company, so I contacted my credit card company and told them that I never received my computer and that I should have received the computer by now.</p>

<p>After I received the money from the chargeback, I finally got a response from the computer company. They said I was impatient and that they never know when items will be shipped. I received no apology from them. I was disgusted.</p>

<p>After about another week or so, I finally received the computer. </p>

<p>I don’t know if anybody has ever filed a chargeback before. The way it works is the compnay gets a letter stating that there was a chargeback filed against them and what they have to do to reverse the charge. It is between the merchant and the credit card company. It is not between the merchant and the purchaser.</p>

<p>I’m sorry 100, you apparently don’t understand the opinion of every poster here. We understand your frustration. We understand you feel this company treated you horribly. Personally, I may agree they treated you horribly. But all here agree that does not justify keeping computer for free. In your frustration with seller(I agree your frustration was justified) you essentially decided- heck with them and sought no further contact. That I don’t agree with. Even if you called them and said you’d waited too long already, so stick that computer up their ***. IMO, rude as that is, it would have been cancelling directly with the seller.
Yes, I have called cc company for mdse not rec’d. They took info, sent letter to seller, had to wait X number of days for response, then took action.
You have the right to tell the world who they were, how bad they were to you, and to try to persuade others not to buy their product. But you do not have the right to keep their product without paying for it no matter how mad they made you.</p>

<p>Looking back on it—you should have called up the computer company and cancelled the order. They would have either cancelled the order and credited your account or they would have advised you that it was too late to cancel the order but you could refuse delivery (thus, a way to send it back without having to pay the shipping fee and then they would credit your account after receiving the computer back). </p>

<p>As long as you’re OK with paying for the computer when your credit card statement shows the charge for the shipped computer, I suppose you can let it go. There is a very high probability that you will be charged for the item on your next credit card billing cycle.</p>

<p>There was no customer service number on their website, only an e-mail address.</p>

<p>I was tired of waiting, so I contatced my credit card company and they refunded my money.</p>

<p>“…I don’t know if anybody has ever filed a chargeback before. The way it works is the compnay gets a letter stating that there was a chargeback filed against them and what they have to do to reverse the charge. It is between the merchant and the credit card company. It is not between the merchant and the purchaser.”</p>

<p>Wrong. When a card holder disputes a charge, the credit card company credits the charge back to your account, so you can use the funds and not have to pay the principle or interest until the dispute is settled. If you receive the merchandise, you have to choose between keeping the merchandise or keeping the credit. The dispute isn’t settled just because you’re happy with the outcome. Once the vendor realizes you owe them money and goes to your credit card company with proof that they sent the computer and that you have not returned it or paid them for it, you may find yourself dinged for some extra fees by your credit card company for failing to uphold your responsibilities when opening a charge back claim. (Surely you read the fine print opening the account and fully understand your responsibilities when opening a charge back claim.)</p>

<p>I know with Citibank you get a conditional credit for the amount. After the charge is investigated, the refund will be granted or the refund will be reversed.</p>

<p>With Chase (the credit card that I charged the computer on), you are given a full refund immediately. End of story. It is the merchant’s rersponsibility to send proof that the item was mailed.</p>

<p>If you’re very curious about whether or not the charge has been put to your credit card, make a call to the customer service toll free number on the back of your credit card. Listen to the prompts–one of them usually says something like “hear the most recent credit card charges”.</p>

<p>I don’t have to call the number. I always check my credit card account daily online. Nothing has been charged since I received the computer about 2 weeks ago.</p>

<p>Wow, just “WOW”. You started this thread to find out what other people would do? Did you hope only dishonest people would answer? You are clearly attempting to justify keeping the computer. The posters on this thread will not help you in that regard.</p>

<p>This information is straight from the Chase website. This is written to the merchant’s point of view:</p>

<p>Non-receipt of merchandise - cardmember is claiming they did not receive the merchandise
or merchandise was paid for by other means.</p>

<p>To Avoid:
Do not process a transaction until merchandise is shipped. If a customer has
paid for merchandise by another method, do not process the transaction.</p>

<p>To Dispute:
Within twelve (12) days of the date you were debited we must receive proof
that the merchandise was received (i.e., UPS, Fed Ex, etc. tracer and delivery
receipt; signed invoice, customer name and delivery address).
If possible, contact the cardmember directly to resolve the inquiry/dispute.
Submit a letter in writing to CHASE MERCHANT SERVICES, L.L.C. with supporting documentation stating why you believe the Chargeback may be improper or invalid.</p>

<p>I recieved my chargeback refund on September 10. It has been almost a month. They have to respond to the chargeback within 12 days.</p>

<p>It says they have to provide proof that they shipped the merchandise or contact me directly to resolve the problem.</p>

<p>They did neither. I am not surprised. They seem like such an unorganized company.</p>

<p>Coming back to this thread I realize the OP has got to be a ■■■■■. And I fell for it. Yay you. Hope you’re having fun annoying the heck out of all of us <eyeroll>.</eyeroll></p>

<p>I am not a ■■■■■. All of the information stated is true.</p>

<p>The merchant should not have charged you until the product shipped. The chargeback you initiated corrected that mistake. Because no product was shipped within 12 days of your initial complaint, the merchant had no grounds on which to contest the chargeback. That is the beginning and end of that particular transaction.</p>

<p>Now there is a second transaction to consider. Either the right person in the merchant’s shipping department never got the word that you no longer wanted the computer, or they chose to ignore that message. Regardless of why it happened, they shipped a computer to you at a later date and (unless they really are total morons) they charged your credit card again. You now have the option of paying that charge, requesting another chargeback, or returning the computer to the merchant for a credit to your account. If you request a second chargeback, the merchant should be able to prove that they shipped and you received the merchandise. In that case, the second chargeback will almost certainly be denied. From your credit card company’s point of view and from the merchant’s point of view, this transaction is completely independent of the charge and chargeback that happened a month ago.</p>

<p>If the merchant shipped you a computer without charging your card a second time, then it is up to you whether you want to bring the matter to their attention. They may well catch their error within a few weeks or months and if you have not notified them before that, you are probably going to be stuck paying for the computer unless it can be returned in pristine unopened condition.</p>

<p>Return the computer. Don’t burden yourself or your brother with this dishonest (in)action.</p>

<p>If your own conscience is not helping you to resolve this, use one of those old ethics tests and ask yourself how it would be if you went on national tv to explain your actions. (Hint: you’d be reproached.)</p>

<p>This isn’t hard, if you don’t want to pay for it, you have to return it.</p>

<p>They seem like such an unorganized company.</p>

<p>next time I guess you’ll do research.
:wink:
You ordered the computer- you contacted your bank to stop payment- which I am surprised they did without you filling out a complaint- virtually all companies are given 6 to 8 weeks for you to recieve merchandise.- you recieved the computer so unless you send it back- you owe for it.
If they sent it without you ordering it- then you don’t owe.But you did order and it was recieved</p>

<p>Do I think you SHOULD keep the computer? No. Do I think it’s ETHICAL to keep the computer? No. Do I think you’re going to keep it anyway, and just want people to tell you it’s the right thing to do? Absolutely.</p>

<p>Regardless of what the company “did” to you, you have a responsibility to ship the computer back as an ethical human being. If that’s not something you’re concerned with, then I suppose go for it, keep the computer. You probably will not face legal consequences, though you will have to face your own conscience.</p>

<p>The computer does not belong to you. It was shipped to you by mistake. You did not pay for the computer. So let’s see - you received something you didn’t pay for. You didn’t intend to receive it, but you did, and now you want that company to be out $1500 because you feel you “deserve” it.</p>

<p>You don’t deserve squat. The company is obviously disorganized and made their own mistakes, but YOU are the only one who controls YOUR actions. Keeping the computer is blatantly unethical - you have a responsibility to inform them you received it, and go from there.</p>