Has anyone ever successfully resolved a disagreement with a seller by using the credit card dispute procedure?

Recently we tried to use the dispute procedure to resolve disputes with merchants. On one occasion we asked a local merchant to order repair parts for us. We gave him the model number of our patio door. They are the distributor for that brand. I picked them up and paid for them with a credit card. When I got them home, they did not fit the patio door. I returned the parts to the distributor. They refused to give me my money back but did give me a receipt showing that I had returned them.

I copied all the documents, wrote a letter, and sent everything to the bank. They say they cannot do anything.

I sometimes use a credit card rather than cash because it is easier to return things if necessary. Most merchants are very good about accepting return merchandise.

I wonder if anyone has ever prevailed when disputing a charge on a credit card through the bank's dispute procedure or if the bank automatically sides with the merchant.

2011-01-23T18:13:11Z

Actually we didn't order the parts. We told them what parts were needed and gave them the model number for the door. They then ordered what were supposed to be the appropriate parts.

I compare this to a situation a few years ago when I went to an auto parts store to get new brake pads. I gave the employee the year, make and model. He came back with some brake shoes. I paid for them and took them home. When I got home and we took the wheels off, we found that the brake pads were wrong. I took them back and they gave me the right ones. Even though the correct ones were a bit more expensive, they didn't charge me for the difference. They told me they were compensating me for the inconvenience caused by their mistake. This is quite different from the people at this place who refuse to take the parts back and get the correct ones.

CatDad2011-01-23T17:45:03Z

Favorite Answer

The key factor here is that if the merchant has a signed receipt with your signature, then they can almost always successfully challenge a credit card charge-back dispute.
The only solution is to find a vendor that has a good money back guarantee policy.

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Scott2011-01-24T02:32:52Z

Was this a debit card? If it came from your checking account then it would be harder to dispute. What is their return policy? Does it say "no returns accepted"? It is going to be hard to dispute it then since they informed you no returns accepted.

Other than that, if they do accept returns then why did they take the product back and issue your a receipt? Are they going to refund your money? If not, then you need to file a dispute with your credit card company soon. Most only give you 30 days to dispute charges.

Yes, I have disputed before with credit cards. The company never sent the product and they credited the account back (charge back).

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Jillian2011-01-24T01:54:43Z

Did the merchant inform you that there was a NO RETURNS policy before the purchase?

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