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Author: RoadScholar5 Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 308428  
Subject: Consumer Dispute becomes Credit Problem? Date: 12/11/2012 2:10 PM
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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?

Comments appreciated.

RS
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