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If you're unhappy with a product or service, when is it ethical to have your credit card company reverse the charge?
This is of course after you've attempted to get the business to resolve the issue on their own. What if the product they shipped you is damaged, but they want you to pay the shipping costs for a replacement? What if it's regarding a restaurant experience, but you still ate the food?
Credit card companies will ask questions and do have the right to refuse chargebacks, but I've been told that American Express will cancel absolutely anything if you're persistent.
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Credit card companies will ask questions and do have the right to refuse chargebacks, but I've been told that American Express will cancel absolutely anything if you're persistent.
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September 30, 2009 05:07 AM
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You know, I have never actually taken advantage of it, but I came really close with one merchant.
I ordered some Miracle Fruit. This is the fruit that you put on your tongue and it's supposed to make sour things taste sweet by blocking the sour receptors in the tongue so you only taste the sweet stuff. I paid about 30 bucks for it and waited and waited. I got emails saying it was shipped, but nothing to confirm it was.
I waited nearly six weeks for it to show up and nothing. The last two emails went unanswered. I finally reported the company to the BBB online and then thought about getting my money back on a VISA chargeback. Interestingly enough, the day I was going to look it up and call on it, the email from the company finally came to me, and it said they had mailed it AND finally gave me a tracking number.
I think waiting six weeks on an order they said shipped overnight was too long, and no communication will be a good reason.
I think the caveat you said about attempting to resolve the issue first with the company is of utmost importance, but sometimes, you just can't resolve things with the company.
Take Dave Carrol and United Airlines. He tried to get resolution for over a year, before he took it to the internet. I bet he wished he could have gotten his credit card company to reverse the ticket charges!
If you haven't read or seen this, it's really quite hilarious!
http://www.youtube.com/watch?v=5YGc4zOqozo
I ordered some Miracle Fruit. This is the fruit that you put on your tongue and it's supposed to make sour things taste sweet by blocking the sour receptors in the tongue so you only taste the sweet stuff. I paid about 30 bucks for it and waited and waited. I got emails saying it was shipped, but nothing to confirm it was.
I waited nearly six weeks for it to show up and nothing. The last two emails went unanswered. I finally reported the company to the BBB online and then thought about getting my money back on a VISA chargeback. Interestingly enough, the day I was going to look it up and call on it, the email from the company finally came to me, and it said they had mailed it AND finally gave me a tracking number.
I think waiting six weeks on an order they said shipped overnight was too long, and no communication will be a good reason.
I think the caveat you said about attempting to resolve the issue first with the company is of utmost importance, but sometimes, you just can't resolve things with the company.
Take Dave Carrol and United Airlines. He tried to get resolution for over a year, before he took it to the internet. I bet he wished he could have gotten his credit card company to reverse the ticket charges!
If you haven't read or seen this, it's really quite hilarious!
http://www.youtube.com/watch?v=5YGc4zOqozo
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September 30, 2009 03:16 PM
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I think it depends on whether you honestly feel like you got what you paid for or whether or not it was worth the money you paid.
If a product is damaged, under no circumstances should you have to pay for the product or to return it.
Regarding restaurants though, if you really don't like the food you should return it immediately. If you eat all of the food then you must have been at least partially satisfied and to ask for your money back afterwards is, to me, unreasonable. Sometimes you can ask for a discount or credit but not a complete refund for a completely digested meal.
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If a product is damaged, under no circumstances should you have to pay for the product or to return it.
Regarding restaurants though, if you really don't like the food you should return it immediately. If you eat all of the food then you must have been at least partially satisfied and to ask for your money back afterwards is, to me, unreasonable. Sometimes you can ask for a discount or credit but not a complete refund for a completely digested meal.
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