I purchased some topical skin products online, noting on the website that the company offered a 100% guarantee.

I had an allergic reaction to the products and went back to the website to look for return instructions/policies and there are none.

I wrote to them and they refused to provide any return instructions.

I filed a claim with my credit card company and now the merchant is threatening to turn me in the credit bureaus if the credit card company charges them back.

I realize I should have read the website more carefully before making a purchase, but perhaps it was my assumption that a 100% guarantee seems to imply that if a consumer has any problems whatsoever, the company will work with the consumer to arrange a return, etc.

Could be my loss, but I am wondering now whether such language has any meaning at all?

RS