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joneboy
 
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Winning debit card purchase disputes?

Postby joneboy » Sun Apr 17, 2011 3:42 am

I know this is a credit card forum but what insight can you provide me for how to dispute a debit card purchase and win. How longer after the purchase is made can I dispute? If about 1 month has gone by since you bought the items is that too long? What are my protections, legally speaking? Thanks.


DoingHomework
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Postby DoingHomework » Mon Apr 18, 2011 10:38 am

joneboy wrote:I know this is a credit card forum but what insight can you provide me for how to dispute a debit card purchase and win. How longer after the purchase is made can I dispute? If about 1 month has gone by since you bought the items is that too long? What are my protections, legally speaking? Thanks.


Look at your debit card agreement. Usually what matters is the time elapsed since the charge appeared on your statement. The other thing is, if you are disputing the amount then you likely will not win. The only common way to win a dispute is if you never patronized the particular merchant. If you did buy from the merchant and just don't like how much you were charged or the quality of teh product, you will have to take it up with teh merchant in most cases.

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Mogul of Pineapples
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Postby Mogul of Pineapples » Mon May 02, 2011 3:06 pm

DH offered great advice. Was the purchase made using a PIN or was it a signature (credit) transaction? Are you disputing it as a fraud or are you disputing the quality of the good/services you bought?
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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naomibatac
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Postby naomibatac » Mon Oct 17, 2011 1:53 am

I agree with DM and MP that procedures and reasons for disputes are written in the contract of agreement. If you have other concern that is not covered in the agreement, then you can discuss that with a representative from your bank. Everything will depend on the strength of your case in order to win.
[size=60]I don't have any relationship to the credit cards or companies discussed here. I am solely a regular member of this forum with no direct financial rewards from this site. My opinions are solely mine.[/size]

A mom of 3 and currently living life, and working for credit card helpline, a company dedicated to helping people get out of credit card debt.



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