If a store overcharged is that credit card fraud?

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Allison2010
 
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If a store overcharged is that credit card fraud?

Postby Allison2010 » Tue Aug 17, 2010 7:16 pm

I took my boyfriend to buy a suit and it was one of the outlet stores where you get a 3 suits, 3 ties, 3 belts, 3 shoes for a flat price. They left out a belt. We went back to the store and they said it was OUR FAULT because we didn't check the bag before we left. Can I claim this as credit card fraud?


jeffysdad
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Postby jeffysdad » Thu Aug 19, 2010 5:53 pm

It's not credit card fraud even though the merchant behaved entirely unhonorably. You might be able to dispute the charge. I would try contacting the store one more time and saying you want your belt that you are owed. If they still refuse, you can say you will dispute the charge with your credit card company, which at the very least will create a headache for them.

The trouble is going to be the fact that you only are disputing a portion of your purchase (the missing belt). The cc company will probably offer you the option of disputing the whole amount and that's it. You might call and explain to them that your order was not completely fulfilled and see what you can do with that. The cc company should be willing to work with you.

As an aside, I was recently double charged at a convenience store. They charged me twice for the same item, about $8 each time. I disputed the charge with the cc company and they promptly credited it. They did write me a letter, however, and say that they were unable to recover the amount from the merchant, which was non-responsive.
Last edited by jeffysdad on Thu Aug 19, 2010 5:54 pm, edited 2 times in total.
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Mogul of Pineapples
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Postby Mogul of Pineapples » Fri Aug 27, 2010 6:38 pm

Follow jeffysdad's advice. I would think if you went in the store and threw a fit in front of customers, they would cave in and give it to you. After all it's just a belt and if you give them a big enough headache about I would think they would cave.

disputed the charge with the cc company and they promptly credited it. They did write me a letter, however, and say that they were unable to recover the amount from the merchant, which was non-responsive.
From what I understand most credit cards will refund the customer's money if the amount is $25 and under, taking the hit even if the merchant is uncooperative. This is really unfair for the card companies because I feel the merchants should always be held financially accountable if they have done something wrong, whether the amount is $1 or $1,000.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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alsteig
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Postby alsteig » Wed Sep 01, 2010 2:00 pm

You paid for something that you didn't receive. Go to the store demand your belt. go to manager etc. 90% of the time they will do it. If not return the suit and demand your money back, you can charge back or If not write a demand letter. if no response. file small claims.

jeffysdad
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Postby jeffysdad » Wed Sep 01, 2010 4:12 pm

File a complaint with the Better Business Bureau on line. It's very easy to do. I do it all the time. Also file a complaint with your local chamber of commerce. If the people at this store are jerks, they deserve all the hassle you can give them. Make them miserable. HA-HA!
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.



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