Credit Card Dispute

<p>Filing a chargeback means that the order is canceled. After the chargeback is filed, the dispute is between the credit card company and the merchant. </p>

<p>The merchant has a certain amount of time to dispute the chargeback. The computer company should have contatced my credit card company and stated that the computer was shipped.</p>

<p>

No it does NOT, football. That is wrong, wrong, WRONG. You have a duty to contact the seller directly to cancel the order you placed with them. The chargeback just means there is a dispute for some reason over the charge. If the company is sloppy (as you say) and doesn’t dispute the chargeback, they lose their money. That still does not mean you are right to keep the computer. If you did not cancel the order directly with the seller you are in the wrong. Sorry.</p>

<ul>
<li>what you did is akin to stopping payment on a check after you purchased something.</li>
</ul>

<p>football, you can slither around as much as you like.</p>

<p>But we all know what you are doing is dishonest. You know it, too. You are just looking for rationalizations that might justify what you have done. There is no justification. There is just the rationalization of a dishonest person. </p>

<p>How do you know whether what you are doing is wrong?</p>

<p>Well.</p>

<ol>
<li><p>You can ask a bunch of strangers. Which is what you have done here. And you have gotten your answer.</p></li>
<li><p>You can contact the computer company and ask them if it’s okay if you keep it without paying. Hmmm, I wonder why you’re not doing that? Oh. I know. You’ve decided they made a mistake and their mistake makes your dishonesty justified. It doesn’t.</p></li>
<li><p>You could contact your credit card company and ask if they believe it is valid for you to accept the item after you have arranged the chargeback. Gee. I wonder why you’re not doing that.</p></li>
</ol>

<p>Well, actually. I don’t wonder. I know.</p>

<p>In this world, what goes around comes around. You will get yours. We might not be around to see it. But you will. Whether you will recognize it, who knows.</p>

<p>I guess Santa won’t be going to football100’s house this year. Lump of coal in his stocking…</p>

<p>

</p>

<p>violadad, we are of like minds! Pretty much exactly what I’d do. Then the OP’s younger brother could use the computer, guilt-free. </p>

<p>I’m now wondering if the OP has mentioned this little dilemma to his parents.</p>

<p>Whoa, WHOA ** WHOA**!!! Not only did I read your similar thread in the college life forum <a href=“http://talk.collegeconfidential.com/college-life/575017-credit-card-dispute.html[/url]”>http://talk.collegeconfidential.com/college-life/575017-credit-card-dispute.html&lt;/a&gt; where easily 75-80% of the posters there gave you the same advice the parents did here, but You also have an ebay store and made $6k??? You must then understand how this works, and understand that doing a chargeback with the credit card co is NOT THE SAME AS CANCELLING YOUR ORDER WITH THE SELLER. I also discovered your thread about “no christmas presents” that you suggested to your grandfather and other relatives that instead of exchanging gifts with each other you should buy yourself something you want/need rather than getting $$ or clothes from the well meaning relative. I guess you bought yourself a computer. Oh wait… you didnt pay for it. And you don’t need another computer.</p>

<p>EDIT: ** this attitude

from your other thread is just unconscionable. I am sure you are a diligent ebayer and would dispute any chargeback. But someone will surely shaft you the way you have done to this company. Don’t complain when it happens.</p>

<p>“But someone will surely shaft you the way you have done to this company. Don’t complain when it happens.”</p>

<p>I have been shafted by a few seller on EBAY. If I don’t receive anything after 2 weeks and the seller doesn’t respond within 5 days, I file a chargeback with my credit card company.</p>

<p>If the seller works dilligently with me, contacts me, and apoligizes for their mistake, I will gladly work with them. This company did none of that.</p>

<p>You miss (or ignored) my point, football. I expect that you would be diligent as the purchaser on ebay. As the seller, I would like you to think about what it will feel like if you ship an item (oooh, for arguments sake- lets say a $1500 computer) that the purchaser then claims they never got (I realize this is not your scenario-- I am just using this as an example), disputes it with paypal, and paypal sides with the purchaser.</p>

<p>I was initially somewhat sympathetic with your situation, football, but your unwillingness to consider any alternative than what you have chosen, to consider that maybe you should try to recontact the seller again, and to present yourself as the victim here (of bad customer service or rudeness or what have you), is unbelievable.</p>

<p>This has happened a couple of times before. I submitted the tracking information and Paypal sided with me. I was given 10 days to respond. If I didn’t respond, I would have lost the money. If you have the tracking information, there is nothing to worry about.</p>

<p>I didn’t lie to anybody that I never received the computer. Nobody asked me if I ever received the merchandise. The credit card never asked and the computer computer never asked.</p>

<p>AAAGGGHHH!!! I said it wasnt an exact example, football. It was an example… You keep trying to justify your keeping the computer that does not belong to you because <em>they</em> have not contacted <em>you</em>. This is arrogant and unscrupled. In this difficult economic climate they probably cant affort to hire either very smart or very professional customer service people. Maybe the person in charge of responding to chargebacks got sick or run over by a bus or something (sure sure-- I am sure you expect them to have a cross-trained person to step in immediately)-- anyway- they had illtrained or bad customer service (like many other retailers, unfortunately). Maybe they had computer problems (i.e their software or hardware). Regardless of the reason-- you are not justified in keeping the computer just because <em>they</em> havent contacted YOU. Here’s an idea-- would you like us to draft a letter for you that you could email to them explaining the situation and give them the opportunity to respond? Woudn’t the right thing to do to bring their oversight to their attention? You are not talking about a five dollar item here, football100. </p>

<p>I ordered an earrest for my phone receiver once. I realized that I had accidentally ordered the wrong color-- so cancelled the order and reordered it in the right color (yes-- I cancelled the order on their website-- this was an option on their site-- not apparently in your situation). Because I did these 2 orders soo close in time, I decided to call the 800 number and be sure they had the correct order #. They told me that the warehouse and shipping area was in a different location than where the orders were handled, but she was sure it was fine, asn she could see the cancelled order. Well, guess what happened-- I got both ear rests-- in both colors. I called as soon as they arrived to advise them of this and to ask how to arrange return (at their expense). They thanked me for my diligence and told me to jsut keep the extra earrest as tehir gift (in actuality it was probably more expensive to handle the return than just to let me keep the inexpensive item). regardless–calling them was the right thing to do. Try it-- you might like it.</p>

<p>By the way- dont tell me the situations are different because it was my error. I realize that. The big issue is doing the right thing. I did-- you didnt. Simple as that.</p>

<p>I expect that eventually the discrepancy will be found and the receiver of goods that have not been paid for will be charged.
Information is available on line- re their policy which serves as public notice & if that is not followed- then they are within legal rights to pursue their claim to their property.
Judges don’t look kindly upon people who use the internets to steal .</p>

<p>

</p>

<p>I don’t have time to read the whole post, but I didn’t steal anythintg. They sent the computer willingly to me.</p>

<p>There is no customer service number for the company. If they had a number, I would have called the number in the first place and this wouldn’t have happened.</p>

<p>Dell Sales-800‑624‑9897
Grow up, call them, and return the computer. You have something that belongs to them that you have not paid for. It doesn’t matter WHY or WHOSE fault it is that you ended up with a computer that you did not pay for. Quit making excuses. You sound like a spoiled brat who has gotten too used to getting away with things. You know keeping the computer is wrong, but just don’t want to admit it, so you keep on arguing and making excuses. . So return the computer and be done with this incident before it hurts your credit rating[ which it will when the credit card company and Dell figure it out]. Sheesh.</p>

<p>I didn’t buy the computer from Dell. It was a small discount computer company online.</p>

<p>“I didn’t buy the computer from Dell. It was a small discount computer company online.”</p>

<p>More excuses. RETURN IT TO THE COMPANY THAT SENT IT TO YOU. Read this again-
Grow up, call them, and return the computer. You have something that belongs to them that you have not paid for. It doesn’t matter WHY or WHOSE fault it is that you ended up with a computer that you did not pay for.</p>

<p>The chargeback is over. The company only had a certain amount of time to respond to the case. This won’t hurt my credit rating in any way.</p>

<p>I already said it is wrong. I was just curious what the rest of you would do. Some on here and the college life forum agreed with me, some don’t.</p>

<p>I don’t know what spoiled has to do with getting something from a company by mistake.</p>

<p>I never argued or made any excuses. </p>

<p>I never got away with anything. My whole intention was to get my money back for something that wasn’t shipped. I never expected them to still ship me the computer.</p>

<p>I think this will have a lot longer tail than you imagine. I also believe you know that what you’re going to do is wrong & are trying to get folks to agree with you to reinforce a decision you know is unfair, unethical and may well be illegal. So far on this thread (& I have read it all), I have not read anyone who feels your not giving the company information that you have their computer & offering to allow them to get it back by paying the postage is fair or right, but obviously you have twisted the comments in a way that suits you.</p>

<p>Be aware that what goes around has a way of coming around in ways you least expect it. No one has said that the company was “right” in their customer service, but that does not justify your actions according to all the replies I read on this thread and I’m confident that any judge or jury would find similarly. There is no statute of limitations on fraud & a case could be made that you are engaging in it, despite your protestations to the contrary.</p>

<p>I never committed any fraud. If the credit card comapny contacted me and asked if I received the computer, I will have told them yes. I never lied to anybody.</p>

<p>This is what the problem is with people. They expect everybody else to fix their messes even if they treat people poorly.</p>

<p>95% of companies online and people who I have dealt with on EBAY provide excellent customer service. I will not help the 5% of companies who provide bad customer service.</p>

<p>I am a seller on EBAY, so I know how to provide excellent customer service. I have had some people e-mail me the same day they paid for the auction if the item was shipped. I didn’t call them impatient. I kindly told them that the item would be shipped the next day. If there is a shipping delay, I will notify the customer immediately and sometimes even provide free items to them. I am far from a big seller on EBAY, but I treat customers the way I want to be treated.</p>

<p>Some businesses just don’t understand that the customer is always first and they are always right. That is one thing that is hard to grasp. I am sorry if the computer company hired incompetant workers, but that is not my fault.</p>