The Motley Fool Discussion Boards
Personal Finances / Credit Cards and Consumer Debt
|Subject: Re: Consumer Dispute becomes Credit Problem?||Date: 12/11/2012 7:26 PM|
|Author: joelcorley||Number: 306513 of 310734|
You wrote, 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.
You have a right to do this under the Fair Credit Billing Act. However, I'm not entirely sure if it relieves you of an obligation to pay the merchant.
Also, 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.