No. of Recommendations: 0
Maybe I missed something, but where did OP say that they were allergic to the item as the reason for return? Unless there is a missing post, we don't know what the item was, the reason for the return, or the amount involved.

Seems to me, that if OP followed procedure with the credit card to contest the charge and the bank credited her back the amount paid while the investigation takes place, the merchant doesn't have any right to do anything until the investigation is complete. As to the merchants threat to turn the account over to the credit bureaus, that makes no sense on the surface. Maybe they meant they would turn the account over to collections, since the bank withheld payment on behalf of OP.

The presumption is that the investigation ruled in favor of the OP, and the merchant is not happy and is trying to do an end run around their agreement with the credit card company for dispute resolution. That the merchant has communicated only by email and not by letter makes me think they are all blow.

Fuskie
Who has difficulty with the claim that the bank loves the OP because they pay their bills on time or early since they aren't earning any interest on the account, and the process of immediately crediting the account is standard policy during a dispute, and will be reversed if they determine the dispute to be invalid and reinstate the charge and merchant payment...
Print the post  

Announcements

UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.
Advertisement