I posted earlier about a problem with haircutting shears I bought for work. I got them from a closeout auction and they were $600 off, so I figured it was a good deal. The listing only had one picture of the shears and said they were 6.25 inches, with no returns allowed. But when they arrived, they were 7 inches long and made from a different type of steel than advertised. This was a big issue since I have small hands and need precision for my work. After some back and forth with Bank of America, they initially didn’t seem like they would side with me because of the “final sale” rule. However, after a lot of calls and evidence, I got an email at 4am today saying the case was closed in my favor! Huge relief. Thanks for all the advice from before!
Make sure you have Bank of America block the company and maybe even request a new credit card number. Some companies try to charge you again after losing a dispute.
JosephGeorges said:
Make sure you have Bank of America block the company and maybe even request a new credit card number. Some companies try to charge you again after losing a dispute.
That’s exactly what I was thinking. I don’t trust them to just let it go.
JosephGeorges said:
Make sure you have Bank of America block the company and maybe even request a new credit card number. Some companies try to charge you again after losing a dispute.
If the merchant tries to charge again after losing, that’s actually a compliance violation. You can dispute that too.
@Kel
Yep, they’re not supposed to do that.
They didn’t send what you ordered. Simple as that. It’s ridiculous how hard it is to get what you actually paid for these days.
Windsor said:
They didn’t send what you ordered. Simple as that. It’s ridiculous how hard it is to get what you actually paid for these days.
Yeah, closeout sales from sketchy websites are always a risk.
Congrats on the win!
Be careful, though. The company could send you to collections. Disputes aren’t always the end of it. If they’re determined, they might try to come after you another way.
Zyler said:
Be careful, though. The company could send you to collections. Disputes aren’t always the end of it. If they’re determined, they might try to come after you another way.
In that case, just hit them with a debt verification letter.
@Samuel3
True, but if it’s the original creditor and not a third-party collector, your options are more limited. Given the amount, I wouldn’t be surprised if there’s more drama ahead.
Liam5 said:
@Samuel3
True, but if it’s the original creditor and not a third-party collector, your options are more limited. Given the amount, I wouldn’t be surprised if there’s more drama ahead.
They don’t have my social security number, so it shouldn’t be a big deal.
@Day
That’s pretty naive. Creditors don’t need your SSN to report you. It’s not hard for them to find your info if they really want to.
Liam5 said:
@Day
That’s pretty naive. Creditors don’t need your SSN to report you. It’s not hard for them to find your info if they really want to.
I’m not too worried about it.
Liam5 said:
@Day
That’s pretty naive. Creditors don’t need your SSN to report you. It’s not hard for them to find your info if they really want to.
I’m not too worried about it.
That’s just ignorance talking. But sure, go ahead and roll the dice.
@Liam5
With my background in law, I’ve seen plenty of creditor mistakes work in my favor.
Zyler said:
Be careful, though. The company could send you to collections. Disputes aren’t always the end of it. If they’re determined, they might try to come after you another way.
Right, a dispute decision is between the banks, but the merchant can still try to collect in other ways.
@Kel
But if I’m sending the shears back, they can’t still try to collect, right?
Monty said:
@Kel
But if I’m sending the shears back, they can’t still try to collect, right?
I wasn’t talking about your case specifically, just making a general point.
Monty said:
@Kel
But if I’m sending the shears back, they can’t still try to collect, right?
I wasn’t talking about your case specifically, just making a general point.
Got it, thanks for clearing that up.