- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
Well today I got to try this out. I had been curious how they handle disputes and had posted asking that and no one responded. Now I have personal experience to relate.
I ordered a battery for my Mint floor cleaner off Amazon. It was from a third party seller (first red flag no doubt, as Amazon has always been great). Item paid for with Discover 12/11 and seller claimed DHL delivered on 12/18 to my PO Box. No signature confirmation, and I never got it. So it becomes "he said she said". And you know who everyone is going to want to leave holding the bag for that, I don't even need to say it do I?
I try to file a claim on Amazon, go through the process, but there is no claim visible when I go back. So I'm going to get nowhere with that since it's some third party. So then I call Discover. They were very nice, as always, but the bottom line is they refused to file the claim saying I have to wait until Jan. 18th because they "want to give the merchant time to deliver the item". Um, the merchant claims it was delivered, do you REALLY think it's going to magically appear all of a sudden now? Regardless we have to follow our agreement with the merchant. You can dispute it after Jan 18th.
I mean it was 26.35 and I already paid it, and it's not the end of the world, it's the principle of the thing. Imagine if it was for 260 or 2600 and this happened. When I had a dispute recently that I was overcharged for using my US Bank Cash +, they decided immediately in my favor and they took care of me. Discover is apparently hoping you forget about it and let it go and everyone is happy (except of course for you who paid for nothing).
This is the lame kind of thing I'd expect from Capital One, not a prime lender.
I will be paying the recent charges on the card on Monday, and then I will be calling to close it, and that will be the end of that. I don't need a company that won't stand behind me if there is a problem. It doesn't happen often but when it does and I see this, I have NO USE for any lender who is like this. Period.
That's MY take on it and I'm every bit as entitled to that as they are to do things the way they see fit to. And I want to post that here for people to see, so you can decide if this is what you want to see when you have a dispute. I wish I had seen such a post before I got the Discover it would have saved me an inquiry (not the end of the world but still). Hopefully this can help you decide the next time you use a card which one it will be. Some things we can only learn through experience, and personally I'm VERY glad it was for a small dollar item. Just in general be careful buying stuff online, because a lot of these places will try to leave you holding the bag you never got!