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Personal Finances / Credit Cards and Consumer Debt
|Subject: Consumer Dispute becomes Credit Problem?||Date: 12/11/2012 2:10 PM|
|Author: RoadScholar5||Number: 306508 of 308782|
I am involved in a consumer dispute with an online merchant. Their website mentioned a 100% product guarantee, but they are unwilling to send me return instructions for returning the item in question.
I filed a dispute with my credit card issuing bank. This bank likes me a lot because I give them a lot of business and always pay early or on time. In the rare cases that I have had disputes, they usually credit me immediately and charge back the merchant.
This time the merchant has been charged back and has now sent me a nasty email indicating she intends to turn me over to the credit bureaus with a negative commment....
Um....I paid for the item, in a timely manner.
Do merchants wield this much power that they can send negative information to the credit bureaus over a consumer product dispute - NOT a financial/payment dispute?
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