Comments on: How to Dispute a Credit Card Charge

By: Maria Rojas Gonzalez

Maria Rojas Gonzalez — Tue, 27 Dec 2011 07:56:48 +0000

I wish I would know the real reason that American
Express is delaying the refund due me from a
fraudulent company in AZ called Al State Web Solutions. Beware prospective customers!
Al State Web Solutions called me with the offer of leads and services they never sent.
I made the mistake to charge this “offer” to my
American Express and now American Express is taking more than 8 weeks and had not issue a refund to me. It looks like Al State is also their customer and American Express is using the delay please them.

By: Lindsay

Lindsay — Thu, 04 Aug 2011 14:24:46 +0000

“The purchaser is always right, unless the retailer can prove differently”

That is absolutely true. I’ve seen it from the retailer’s side, too, and see too many instances where the consumer outright lies to their credit card company on their disputes. They will claim that they contacted our customer service department first and that we refused to resolve the issue (even though they never did) or say that they were not aware of any ongoing charges when our enrollment policy clearly states it in multiple locations of their order form.

By: Helen Webster

Helen Webster — Sun, 01 Aug 2010 22:47:42 +0000

I have been charged $5.00 on my debit card from Facebook. I have not purchased anything, how can I find out what the charge is for and get it taken off my card.

By: Andrew Lin

Andrew Lin — Fri, 02 Apr 2010 12:35:12 +0000

I would at least print out the credit card statement and show Trader Joe’s next time you shop there. If Trader Joe’s gives you a hard time over $4 I think it’s time to shop elsewhere.

By: Soccer9040

Soccer9040 — Sat, 06 Mar 2010 14:45:31 +0000

I’ve never heard that before, but then again “they” have all sorts of records to keep track of your spending habits. I’m sure they probably keep track of it at the visa level, but I doubt it would ever effect your score.

I do know some stores will reject your returns (Target – the worst store in the world) if you return too many things in a given time.

By: Soccer9040

Soccer9040 — Sat, 06 Mar 2010 14:42:14 +0000

Yea its pretty simple from the consumers point of view. I have some experience on the retailer’s side and when a charge is disputed they just reverse the cash right out of our account. These chargebacks are kind of annoying because then it onus is on us to prove it was right. Basically the “innocent until proven guilty” well in credit card terms its “The purchaser is always right, unless the retailer can prove differently”

By: Soccer9040

Soccer9040 — Sat, 06 Mar 2010 14:39:22 +0000

This has happened to me before when I was trying to take advantage of some deal at a store. You know the ones…Limit 4…blah blah. So I would go thru self checkout twice but have to add a pack of gum or something to make the transaction go through.

By: seethepositive

seethepositive — Wed, 03 Mar 2010 16:54:37 +0000

this is a good one. neither of you would have been outed

By: seethepositive

seethepositive — Wed, 03 Mar 2010 16:51:18 +0000

yes 3.60 is a lot of trouble. i was successful in calling the credit card company when this happened to me.there were 2 nights lodging and i remembered my card had been swept twice.

By: Lakita (PFJourney)

Lakita (PFJourney) — Mon, 01 Mar 2010 02:59:17 +0000

Last week I wrote about How NOT to dispute a Credit Card Charge…it was a little role reversal since I was the “creditor” in that instance.

I’d also add…knowing the merchant’s refund / exchange policy in advance helps…though I don’t know if that would apply to your situation since it was a technical error.

By: thomas

thomas — Sun, 28 Feb 2010 01:58:06 +0000

on my work amex, i always seem to get double charged, particularly with taxis. always keep your receipts!

By: BrianC

BrianC — Fri, 26 Feb 2010 12:07:17 +0000

Someone once charged a computer and several other high-price items using my card number. The dispute process went well–I just had to fill out a standardized form, get it notarized, and the disputed charges were removed.

By: SavingEverything

SavingEverything — Fri, 26 Feb 2010 03:50:47 +0000

Cheap is right. The merchant/retailer usually receives the dispute (they get a “chargeback” or reversal of charges in their merchant accounts), and they can dispute it within a strict time limit. Sometimes, the credit card company just absorbs the loss of duplicate or triplicate charges; nowadays, they’ll just send chargeback or reversal to merchant. But, if you go to the store, then it would be a hassle and hard to really prove to the manager that you did or did not just buy 3 of the same items within just a few minutes’ time. (of course, in my store, a good inventory system would tell me how many items are still on shelf and would tell me if you really bought just one or three.) It’s so much easier to call your credit card company.

By: Cheap Bastard

Cheap Bastard — Fri, 19 Feb 2010 06:27:35 +0000

I don’t have a source for that.. it’s just something I’ve read in the forums and various places. The idea is that because the dispute process generally favors the consumer, card holders are encouraged to use it, and when a particular card holder has a long history of disputes, they are less desirable for the issuer, and new lenders. It costs money for them to investigate, and affects their bottom line.

By: Jim

Jim — Thu, 18 Feb 2010 21:31:48 +0000

I don’t think dispute lower your credit score, where did you read that?