Can a bank refuse to dispute a debit card transaction?

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cheryle
 
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Can a bank refuse to dispute a debit card transaction?

Postby cheryle » Thu Jan 22, 2015 3:06 pm

We purchased an item that turned out to be not as described. After contacting the seller who was unwilling to do anything to help-we attempted to do a chargeback at our bank. (A Visa debit card was used for the purchase).
Since the wording All items are sold "as is" the bank refused to process the chargeback due to the fact that they thought we would lose because of the "terms" listed.
Despite the fact that I purchased a cat and received a dog (not really but you get the idea) I am now (according to my bank) stuck with a dog because it was sold as is.
So is it true, a bank can refuse to attempt a chargeback if you request it?


whit
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Postby whit » Thu Jan 22, 2015 5:19 pm

Have you looked at the agreement outlining what happens when certain issues arise (like this one?)

cheryle
 
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Postby cheryle » Thu Jan 22, 2015 5:35 pm

I did snoop through Shazam.net's website, but could not find anything related to forcing your bank to do a chargeback. Doing a google search, I also found a chargeback form to submit to Shazam directly, but was worried my bank would not appreciate me "going behind their back".

flan
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Postby flan » Thu Jan 22, 2015 11:10 pm

cheryle wrote:We purchased an item that turned out to be not as described. After contacting the seller who was unwilling to do anything to help-we attempted to do a chargeback at our bank. (A Visa debit card was used for the purchase).
Since the wording All items are sold "as is" the bank refused to process the chargeback due to the fact that they thought we would lose because of the "terms" listed.
Despite the fact that I purchased a cat and received a dog (not really but you get the idea) I am now (according to my bank) stuck with a dog because it was sold as is.
So is it true, a bank can refuse to attempt a chargeback if you request it?


It's a debit card. Legally, you have many fewer protections than if you'd used a cred card. You might, or might not, have some protection from the card's terms of use that you're not required to have legally. I'd try disputing with the merchant directly, as you say there's a way to do that.

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lobbythis
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Postby lobbythis » Fri Jan 23, 2015 2:06 am

Who was the payment processor? PayPal?

cheryle
 
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Postby cheryle » Fri Jan 23, 2015 4:17 am

I did manage to get a hold of the merchants boss yesterday, he was very displeased with the way the merchant handled our complaint so perhaps there is hope yet. If all else fails, I believe I will do a charge back directly as Flan suggested. I just have a hard time believing a bank can refuse to do a charge back due to the fact that they think they would lose.

No lobbythis, I refuse to deal with Paypal, it was a direct payment through a merchant account which is why I gave them my seldom used debit card instead of my "good" everyday credit card.



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