Credit charges declined after 3 months

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6 posts
mrsaashiq
 
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Location: il

Credit charges declined after 3 months

Postby mrsaashiq » Wed Nov 06, 2013 3:53 pm

Hi,

Can u pls guide me. One of my acqaintances owed me money. Was not able to repay in time. Since I had to pay my school tuition fees He suggested I pay it with his Amex card. He personally visited the school office along with me and did the transaction in aug. The transaction went through and he personally signed on the receipt.

Today my school contacts me saying there is a chargeback and the merchant services informed that the transaction did not go through. They say that the card was not authorized properly. Declined or card is expired. So I have to pay the school.

How do I resolve this. don't know the whereabouts of that person too.

Pls help


whit
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Postby whit » Wed Nov 06, 2013 9:37 pm

1) never lend money, even to acquaintances, I only give not lend
2) did he sign a note saying he owe you xyz when he first borrowed the money?
3) approx where you're located
4) was there anyone that took the Amex? if so, do you remember who, and approx how long ago? would you be able to help find that person to see if they're nice enough to try and help your school with the chargeback?

it's strange he asks to place it on Amex, but it kind of makes sense because Amex is known for siding with clients over merchants no?

if you cannot get the chargeback overturned back to your favor, I would see if there's a way to hunt this person down and either take him/her to court with the Amex bogus chargeback (make sure you have as much evidence as possible)

or better yet take him/her to court with promissory note if there is one

mrsaashiq
 
Posts: 2
Joined: Wed Nov 06, 2013 3:43 pm
Location: il

Postby mrsaashiq » Thu Nov 07, 2013 10:37 am

hi
thanks for the post. He had personally come to the school with me. they did check his id and also he signed the credit authorization form (I have a copy of it). The customer copy of the transaction is with me. The merchant services claims that the transaction did not go through and there is a possibility that the customer is not aware of it. But my point is if the transaction did not go through how did we get the receipt and he signed for it. Why should I be held responsible for it. Why is Amex refusing after 3 months saying that either the card declined or had expired. if it was declined we wouldn't have got the receipt.

MemberSince99
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Postby MemberSince99 » Thu Nov 07, 2013 1:27 pm

Man, I hate to tell you but this guy almost surely deliberately set out to shaft you and he stuck you GOOD too, as in you should probably be squealing it's such a good screwing he gave you.

I mean as I read your post, I thought if I was the sort to be devious and evil enough to deliberately screw somebody that is EXACTLY how I would do it, because yes Amex does have that reputation as siding with the consumer in disputes (not always but they certainly are the most favorable creditor out there in terms of disputes in the consumer's favor).

So this guy, in my mind, deliberately set out to shaft you and as soon as he disappeared without a trace, he called Amex to charge it back and say I never signed this and blah blah blah.

You need to get the school to help you and to send Amex a copy of the receipt he signed showing that it's his signature on it. Maybe they already did but if not, you need to bring that up with them. After all they should want to get paid.

I hope you have some kind of proof of the debt otherwise it's his word against yours.

To be honest I would never have even thought of this scam. This guy was clever and he did it right. It was a bold and daring screwing, done smartly, but he's still a dirtbag for doing it. Anyway as far as helping you I would suggest the school ask Amex to re-open the dispute and send proof that he signed for it, and if you have proof he owed the money send that as well. If you do have proof also file a police report. I'm not sure they will see it as fraud and want to get involved and even if they do, that they can do anything.

Good luck with it I'm sorry this happened to you. It's a lesson to ALL of us though.

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FastSRT8
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Postby FastSRT8 » Thu Nov 07, 2013 10:36 pm

Sorry to hear this. Not something I would want to wish to anyone.

I too have been scammed before but that is another story.

I learned a valuable lesson and believe me, I'm all the wiser for it. To help soften the blow to my ego... I called the 'scam' the fee I needed too pay to learn something.
Carpe diem quam minimum credula postero!

GoCreditGo!
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Postby GoCreditGo! » Sun Nov 10, 2013 12:16 am

If it's required in his program, can the school withhold giving him any academic diploma until he clears it up?



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