Comments on: How to dispute charges through your credit card http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card/ Personal finance blog for college students, recent graduates and everyone else -- including entrepreneurship -- for getting rich. Featured in the Wall Street Journal and New York Times. Sun, 21 Mar 2010 11:47:10 -0700 http://wordpress.org/?v=abc hourly 1 By: stan mccain http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card/comment-page-1/#comment-86110 stan mccain Sat, 10 Jan 2009 03:25:17 +0000 http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card#comment-86110 bank of america charge my card 41.00us$ that made my acct.overdrawn and then posted charges to my acct.they said I owe $150 in overdraft fees. I am in the process of dispute.B.O.A is you just lost a very loyal customer. bank of america charge my card 41.00us$ that made my acct.overdrawn and then posted charges to my acct.they said I owe $150 in overdraft fees. I am in the process of dispute.B.O.A is you just lost a very loyal customer.

]]> By: jim kelley http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card/comment-page-1/#comment-69645 jim kelley Mon, 11 Aug 2008 22:11:36 +0000 http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card#comment-69645 Mine is alot different Dec 4 2007 I ordered from E bay $241.88 worth of goods from Deal Exstream in China.I payed through pay pal.. In a few days they gave me atracking number from HonKong Post. When I tried to track it it says no information on that number. Bogus #. On Dec 21 I got an e mail that my order was cancelled and I would get a full refund. I have never received the refund nor the goods. My Credit card company claims that they proved I received the goods. Today my credit card company CHASE has told me they investigated three times and they proved that I received the goods. they sent me the documentation. It only proves that they received the order. No one cares about the email about the seller cncelling my order. Another document say theat they shipped the goods on the 21st of Dec that document was dated 18 Dec, CHASE just does not care. Chase has told me that it is over the case is c;losed forever and will not even accept any more evidence . I have never received the goods Mine is alot different Dec 4 2007 I ordered from E bay $241.88 worth of goods from Deal Exstream in China.I payed through pay pal.. In a few days they gave me atracking number from HonKong Post. When I tried to track it it says no information on that number. Bogus #. On Dec 21 I got an e mail that my order was cancelled and I would get a full refund. I have never received the refund nor the goods. My Credit card company claims that they proved I received the goods. Today my credit card company CHASE has told me they investigated three times and they proved that I received the goods. they sent me the documentation. It only proves that they received the order. No one cares about the email about the seller cncelling my order. Another document say theat they shipped the goods on the 21st of Dec that document was dated 18 Dec, CHASE just does not care. Chase has told me that it is over the case is c;losed forever and will not even accept any more evidence . I have never received the goods

]]> By: Judy http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card/comment-page-1/#comment-69089 Judy Wed, 06 Aug 2008 21:57:46 +0000 http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card#comment-69089 We are in the midst of a dispute with arthurspools. We ordered and paid for an above-ground therapy swimming pool on April 1, and we are currently into the fifth month of not receiving the product. Discover has placed this in dispute. I should have done research about the company's reputation before ordering from them. We are in the midst of a dispute with arthurspools. We ordered and paid for an above-ground therapy swimming pool on April 1, and we are currently into the fifth month of not receiving the product. Discover has placed this in dispute. I should have done research about the company’s reputation before ordering from them.

]]> By: Clarry http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card/comment-page-1/#comment-65096 Clarry Fri, 27 Jun 2008 03:11:12 +0000 http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card#comment-65096 Well done. Be warned though that this does not happen all the time. It is probably because you did not have a contract and thus they could not charge you a cancellation fee. I was ripped off a few nights ago when I was refueling up at a Gas station. I put $15 of gas in my tank but the store person charged me $50. I used my credit card but to my error I didn't check (in my defence, you would assume that trivial things like this - ie refueling). I rang them up and (the woman, who was rather annoyed) told me that she'll have to ring the head office and get back to me...5 days later still no response and my bank has already processed the request. So what can I do? Nothing, as there is no way to prove it. :( That's pretty distressing, especially for a student living on break even. Well done. Be warned though that this does not happen all the time. It is probably because you did not have a contract and thus they could not charge you a cancellation fee.
I was ripped off a few nights ago when I was refueling up at a Gas station. I put $15 of gas in my tank but the store person charged me $50. I used my credit card but to my error I didn’t check (in my defence, you would assume that trivial things like this – ie refueling). I rang them up and (the woman, who was rather annoyed) told me that she’ll have to ring the head office and get back to me…5 days later still no response and my bank has already processed the request.
So what can I do? Nothing, as there is no way to prove it. :( That’s pretty distressing, especially for a student living on break even.

]]> By: Learned to Win http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card/comment-page-1/#comment-52473 Learned to Win Wed, 13 Feb 2008 03:55:06 +0000 http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card#comment-52473 I have had to dispute a few issues, however I find dealing with the merchant can sometimes help if you talk to the right people. I usually go to customer service first, than a first line manager and then, if I can a second line manager. If I don't get anywhere, I then call the corporate HQ and talk to someone in the executive offices. These are the only people who are actually enabled to make major decisions. Customer service is trained to tell you no. Usually I can get it resolved to my satisfaction at this level. If not, then I go to my credit card company. I have been able to resolve some major issues by talking with the executive offices of the merchant themselves. For smaller companies, try the owner of the store. Hoovers is a great resource for phone numbers and the names of company executives. I have even gone as far as to write the president of BMW when I had problems with my car and was able to get out of the last 6 months of my lease with no penalty. If you can figure out their e-mail, you are set. Try different ways, including nick names..for example - Robert Smith... Robert.Smith@nocompany.com; bob_smith@nocompany.com; rsmith@nocompany.com, robert@nocompany.com, bob@nocompany.com, bsmith@nocompany.com, etc. I have been able to contact many executives this way. I have had to dispute a few issues, however I find dealing with the merchant can sometimes help if you talk to the right people. I usually go to customer service first, than a first line manager and then, if I can a second line manager. If I don’t get anywhere, I then call the corporate HQ and talk to someone in the executive offices. These are the only people who are actually enabled to make major decisions. Customer service is trained to tell you no. Usually I can get it resolved to my satisfaction at this level. If not, then I go to my credit card company. I have been able to resolve some major issues by talking with the executive offices of the merchant themselves. For smaller companies, try the owner of the store. Hoovers is a great resource for phone numbers and the names of company executives. I have even gone as far as to write the president of BMW when I had problems with my car and was able to get out of the last 6 months of my lease with no penalty. If you can figure out their e-mail, you are set. Try different ways, including nick names..for example – Robert Smith…
Robert.Smith@nocompany.com; bob_smith@nocompany.com; rsmith@nocompany.com, robert@nocompany.com, bob@nocompany.com, bsmith@nocompany.com, etc. I have been able to contact many executives this way.

]]> By: Lana http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card/comment-page-1/#comment-49598 Lana Mon, 28 Jan 2008 19:56:35 +0000 http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card#comment-49598 After repeatedly “winning” $300 gift certificates towards laser hair removal at the American Laser Centers I went there for a free, ”no obligation” consultation. (American Laser Center located at 630 W. 34th St., Suite 205 Austin, Texas 78705, (512) 450-1800). I expected to have a “real consultation” with a doctor, where the doctor evaluates skin and hair type, does a “test treatment” to see if there is an allergic reaction etc. I did not see a single doctor there! Instead a receptionist who also turned out to be the clinic manager and the tech took me into a little room. Her name is Heidi. I told her three times that I did not want to get into anything, that I was going to do my research and consult with my husband. I informed her that the purpose of my visit was to get the quote only. I was tricked and pressured into signing a bunch of papers by Heidi. Heidi told me that it was the privacy and medical paperwork regarding the free consultation. She rushed me through the procedure and said we could go over the paper work later. She kept on talking all the time about subjects not related to laser hair removal and the paper work. She asked for my credit card to keep on file “to reserve the quote she gave me” after I repeatedly refused to sign up for their “Medi Credit” with 0% interest. All of a sudden there is a young technician in the room with us who just “happened to have a cancellation”, so they both pushed me into another room and I ended up getting a laser treatment - I thought that it was a sensitivity test at first. To make a long story short - my AMEX was charged by $1,055.07 with no refund policy as I found out later when I came home. I “googled” this company and was shocked to see how many complaints were out there!!! The web is flooded with angry, helpless clients like me and the stories are identical. I found out that there are numerous lawsuits going on at any given time against American Laser Center, including fraudulent charges. This whole experience has been so humiliating and I lie awake at night wondering how I will get myself out of this mess. This company operates on manipulation and they continually subscribe to fraudulent and deceptive practices, and should be forced to stop. On 01/24/08 I mailed them a certified letter requesting a full refund. I will be calling American Express to dispute the charge. I want my money back and I will do everything I can to let other people know about this scam. A week later I called American Express – no results yet. (They say it takes about 8 weeks). I hope I can win this one. Any comments will be appreciated. After repeatedly “winning” $300 gift certificates towards laser hair removal at the American Laser Centers I went there for a free, ”no obligation” consultation.
(American Laser Center located at 630 W. 34th St., Suite 205
Austin, Texas 78705, (512) 450-1800).
I expected to have a “real consultation” with a doctor, where the doctor evaluates skin and hair type, does a “test treatment” to see if there is an allergic reaction etc. I did not see a single doctor there!
Instead a receptionist who also turned out to be the clinic manager and the tech took me into a little room. Her name is Heidi.
I told her three times that I did not want to get into anything, that I was going to do my research and consult with my husband. I informed her that the purpose of my visit was to get the quote only.
I was tricked and pressured into signing a bunch of papers by Heidi. Heidi told me that it was the privacy and medical paperwork regarding the free consultation. She rushed me through the procedure and said we could go over the paper work later. She kept on talking all the time about subjects not related to laser hair removal and the paper work.
She asked for my credit card to keep on file “to reserve the quote she gave me” after I repeatedly refused to sign up for their “Medi Credit” with 0% interest.
All of a sudden there is a young technician in the room with us who just “happened to have a cancellation”, so they both pushed me into another room and I ended up getting a laser treatment – I thought that it was a sensitivity test at first.
To make a long story short – my AMEX was charged by $1,055.07 with no refund policy as I found out later when I came home.
I “googled” this company and was shocked to see how many complaints were out there!!! The web is flooded with angry, helpless clients like me and the stories are identical.
I found out that there are numerous lawsuits going on at any given time against American Laser Center, including fraudulent charges.

This whole experience has been so humiliating and I lie awake at night wondering how I will get myself out of this mess.
This company operates on manipulation and they continually subscribe to fraudulent and deceptive practices, and should be forced to stop.

On 01/24/08 I mailed them a certified letter requesting a full refund. I will be calling American Express to dispute the charge. I want my money back and I will do everything I can to let other people know about this scam.

A week later I called American Express – no results yet. (They say it takes about 8 weeks). I hope I can win this one.
Any comments will be appreciated.

]]> By: ModelElaine http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card/comment-page-1/#comment-48404 ModelElaine Mon, 21 Jan 2008 09:20:35 +0000 http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card#comment-48404 I recently posted an article about erroneous charges from a dating site and what I had to go through to resolve it. As painful as it may sometimes be, it is worth trying to resolve the problem directly with the company imposing the charges. If all else fails, then disputing the charges with the credit card company is definitely the way to go about it. I recently posted an article about erroneous charges from a dating site and what I had to go through to resolve it. As painful as it may sometimes be, it is worth trying to resolve the problem directly with the company imposing the charges. If all else fails, then disputing the charges with the credit card company is definitely the way to go about it.

]]> By: kaya http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card/comment-page-1/#comment-35421 kaya Wed, 03 Oct 2007 19:20:02 +0000 http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card#comment-35421 how long do you have to dispute a charge and is it different with credit card vs debit cards? how long do you have to dispute a charge and is it different with credit card vs debit cards?

]]> By: annie http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card/comment-page-1/#comment-34854 annie Sat, 29 Sep 2007 18:38:33 +0000 http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card#comment-34854 i purchased curtains from the internet and it was my mistake i winded up getting 2 different colors of one design. i called the company and asked them to change the color and i wouldnt pay for the S&H because i had thought i purchased the right product. they said i couldnt because they didnt have the color available. so i said i would liike to return them and they should bare the S&H charges. THEY SAID NO and that they would charge me a restocking fee. Called AMEX and got it disputed. they credited me the amount and i got to keep the product. altho its of no use. but anyway overall good experience i purchased curtains from the internet and it was my mistake i winded up getting 2 different colors of one design. i called the company and asked them to change the color and i wouldnt pay for the S&H because i had thought i purchased the right product. they said i couldnt because they didnt have the color available. so i said i would liike to return them and they should bare the S&H charges. THEY SAID NO and that they would charge me a restocking fee. Called AMEX and got it disputed. they credited me the amount and i got to keep the product. altho its of no use. but anyway overall good experience

]]> By: Gregory Mech http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card/comment-page-1/#comment-24153 Gregory Mech Tue, 26 Jun 2007 07:22:46 +0000 http://www.iwillteachyoutoberich.com/blog/how-to-dispute-charges-through-your-credit-card#comment-24153 I filed a charge-back against PayPal on my DISCOVER card since DISCOVER advertises "100% consumer protection against fraud and unauthorized charges." To make a long story short, I was UNSUCCESSFUL after following DISCOVER cards "dispute procedures" to the tee. I have perfect credit and the highest FICO score; howeverI, when I filed an appeal with DISCOVER they still refused to credit my account the measly $25.23. I ended up closing my DISCOVER card because I was irate that I spent SO MUCH TIME and for NOTHING. The CSR at DISCOVER had the nerve to say "you can come back to DISCOVER for all your credit card needs. We even offer 100% fraud protection, etc, etc " and even asked if wanted to transfer my other balances to DISCOVER. How outrageous. Earlies, DISCOVER was calling me trying to sell some consumer fraud monitoring service for $19.99 a month. Are they insane? I'm supposed to be ALREADY PROTECTED with the consumer protection act. Keep in mind I'm closing my account because DISCOVER failed me n my dispute with PayPal. DISCOVER wanted me to furnish a tracking number which proves I returned the WRONG ITE Mwhich was sent to me. I'm not going to pay $15 for a tracking number to Germany to return a $25 watch band. I did have delivery confirmation, but that wasnt good enough for DISCOVER. Bottom line is I spent a good 40 hours of my life disputing a $25.23 charge out of principle, and DISCOVER let me down. I dont understand how DISCOVER freely gives people $20 to sign up for their service, however DISCOVER will fail zero-balance customers when it comes to fighting/disputing giant corporations like PayPal/Ebay (www.paypalsucks.com) who have a specific department to fight all chargebacks against them. PayPal says you give up your consumer protection rights when you sign up for the PayPal service. NOT! Anyway, I will NEVER use DISCOVER or PayPal again. And my revenge is not only cancelling my DISCOVER card, but being successful in having my brother, mother, and father , along with many friedns all CANCEL their DISCOVER cards as well. All this over a fraudulent $25.23 charge. So it's DISCOVER that loses in the end, with atleast 10 people cancelling their DISCOVER card service over my $25.23 dispute. Capitolone No Hassle CASH credit card has a much better rewards anyway. On a final note, I filed a charge-back only one other time in my life with my VISA card, and it was settled in my favor with almost n oquestions asked. And that was for $200. DISCOVER card sucks. I filed a charge-back against PayPal on my DISCOVER card since DISCOVER advertises “100% consumer protection against fraud and unauthorized charges.” To make a long story short, I was UNSUCCESSFUL after following DISCOVER cards “dispute procedures” to the tee. I have perfect credit and the highest FICO score; howeverI, when I filed an appeal with DISCOVER they still refused to credit my account the measly $25.23. I ended up closing my DISCOVER card because I was irate that I spent SO MUCH TIME and for NOTHING. The CSR at DISCOVER had the nerve to say “you can come back to DISCOVER for all your credit card needs. We even offer 100% fraud protection, etc, etc ” and even asked if wanted to transfer my other balances to DISCOVER. How outrageous. Earlies, DISCOVER was calling me trying to sell some consumer fraud monitoring service for $19.99 a month. Are they insane? I’m supposed to be ALREADY PROTECTED with the consumer protection act. Keep in mind I’m closing my account because DISCOVER failed me n my dispute with PayPal. DISCOVER wanted me to furnish a tracking number which proves I returned the WRONG ITE Mwhich was sent to me. I’m not going to pay $15 for a tracking number to Germany to return a $25 watch band. I did have delivery confirmation, but that wasnt good enough for DISCOVER. Bottom line is I spent a good 40 hours of my life disputing a $25.23 charge out of principle, and DISCOVER let me down. I dont understand how DISCOVER freely gives people $20 to sign up for their service, however DISCOVER will fail zero-balance customers when it comes to fighting/disputing giant corporations like PayPal/Ebay (www.paypalsucks.com)
who have a specific department to fight all chargebacks against them. PayPal says you give up your consumer protection rights when you sign up for the PayPal service. NOT! Anyway, I will NEVER use DISCOVER or PayPal again. And my revenge is not only cancelling my DISCOVER card, but being successful in having my brother, mother, and father , along with many friedns all CANCEL their DISCOVER cards as well. All this over a fraudulent $25.23 charge. So it’s DISCOVER that loses in the end, with atleast 10 people cancelling their DISCOVER card service over my $25.23 dispute. Capitolone No Hassle CASH credit card has a much better rewards anyway. On a final note, I filed a charge-back only one other time in my life with my VISA card, and it was settled in my favor with almost n oquestions asked. And that was for $200. DISCOVER card sucks.

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