Disputing charges with Discover?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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MemberSince99
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Disputing charges with Discover?

Postby MemberSince99 » Sat Jun 30, 2012 7:07 am

Can anyone post any experiences in how well they handle disputes? Say you purchase something which is crap, and the merchant tells you to assume an anatomically incorrect position basically, has Discover been in your corner?


hematino
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Postby hematino » Sun Jul 01, 2012 6:10 pm

This isn't exactly about something a merchant didn't want to take back, but about a month ago, I logged on to Discover's website to make sure one of my autopay bills went through and saw 3 charges I didnt make. They were from the day before and were still listed as pending activity. I immediately called Discover and the CSR was really helpful and supportive. They removed the charges immediately and sent me a card with a new number (took only 3 or 4 days) and said they would settle the dispute within 30 days. In reality it took less than a week and I couldn't have been happier with the way they handled it and professional attitude. I love Discover, if only they weren't my lowest limit card.

Haven't yet had to dispute something I actually bought and was unable to return, but Discover was definitely in my corner when my card number was somehow ripped off.
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MemberSince99
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Location: WI

Postby MemberSince99 » Sun Jul 01, 2012 6:39 pm

That I do believe and would not be too concerned about that.

What I'm worried about is the case where the crooked merchant deliberately screws you. As an example of this, I was dumb enough (slap me for it if ya like it's deserved!) to buy online characters for a game I played. After I bought I got an email saying I would get the stuff...someday. There was no contact info for the company except email, and when I emailed them all I got was auto-responses. This went on for a week or so and I realized no legitimate business does this sort of thing. I filed a dispute, and my bank told me that they were able to get ahold of the company somehow though they would not provide me with that information so I could, and the company claimed they were willing to "work with me" to resolve this. I said I have no way to contact them and they won't contact me, so how do you consider that "working with me" to resolve this when all they want is for me to give up and go away so they can keep the money? The bank said under Mastercard's rules if the merchant says they are working with you, that's good enough and if they didn't I could call back again. I was like yeah right so they can just say they are diligently working with me to resolve it and you won't do anything about it, no doubt.

My bank would not help me in this case - I had to go through the site I used the card to make the payment on and THEY got me my money back - if it had been up to my bank I would have been screwed and they were cool with that. (By the way if anyone wants a legal license to steal this sort of thing is pretty much it if you have no morals whatsoever).

So I just wonder how Discover would handle that case? I know Amex would simply issue a credit and the crooks would be SOL. I know my bank would hold me down so the crooks can rob me. What I'm curious about is what Discover would do.

And by the way that's the only time in probably 6 years that a company has deliberately set out to rip me off. It doesn't happen often but when it does, I hope Discover is on OUR side and not that of the crooks. Or I'm in the wrong business and have too many morals for my own good.



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