- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
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.