Ask ME ANYTHING: Representment Analyst at Major Bank

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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby Vattené » Wed Sep 30, 2015 10:40 am

pambeary wrote:I took it to 3 different jewelers and they all proclaimed it a fake....I don't care about keeping the concern is that if I send it back to Mexico, and then Capital One refuses to refund my money, then what do I have? No evidence, no bracelet and no money!

Do you have a receipt or any kind of paperwork from the purchase? Do you have anything from the jewelers (I've never had one examine a piece before, so I don't know if they'll provide any documentation so you can show an expert opinion deemed it a fake; if they offer the service, however, it wouldn't be unreasonable to request something in writing)?

Perhaps you could try providing to Capital One something from a jeweler as proof and explain you want reassurance that, before just shipping it out of country and hoping they eventually side with you, they'll validate your dispute and you'll get your money upon its return.

Failing that, if you really want to pursue a refund, I think sending it back is your only option. As whit suggested you can get documentation to prove that you complied with Capital One's request. It may not be successful if you go through with it, but it definitely won't be if you don't go through the process Capital One wants you to. It's only a chance at getting your money back, granted, but what good is a fake diamond bracelet anyway?
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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby lobbythis » Wed Sep 30, 2015 11:09 am

who buys diamonds in mexico....,

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Re: Ask ME ANYTHING: Representment Analyst at Major Bank

Postby CarefulBuilder14 » Wed Sep 30, 2015 11:40 pm

lobbythis wrote:who buys diamonds in mexico....,

It is's not like it's even a diamond-producing country (to any appreciable degree). Gold, and especially silver, are the heart of jewelry in Mexico. Obsidian and mother-of-pearl sculptures also lured away some pesos from my wallet.

I've bought my share of tchotchkes before (though I've pretty much stopped), and a few slightly-nicer things, but I always kept my expectations in check.
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