Chargeback situation. Please help me :(

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Masterjake912
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Chargeback situation. Please help me :(

Postby Masterjake912 » Sun Dec 28, 2014 2:15 pm

So let me tell you my story:

(Going to try to make this as short as i can)

I have purchased a cheating software called "Cubex-Software" for lifetime (1 time fee) for the amount of around $125. At first the product was fine, but then i started getting negative feedback from the cheat and had to purchase the game again (4 times in all). This is a DIGITAL PRODUCT by the way. So i knew i would get the negative feedback from the cheat but it was happening a lot often then usual, forcing me to make a new account and buy the game again. The buyer posted on his website that the cheat would be safe to use again and so i used it and got banned again. I tried to contact the buyer many times and he didn't ensure his guarantee of good customer support. Then when he needed to update the cheat, he started to feed lies to the community to try and stall time, even causing more people to get banned. So long story short i want to know how i can get a charge back from this digital item.

I purchased the item from Paypal, but i had to transfer money from my bank account on chase.

Cubex, the owner, tells everyone if you try to charge back you will lose your money and you will get banned from the cheat and forum/website.

He also has a T.O.S. stating...
[color="red"]
8. Refund Policy

Digital products (Virtual Items) are non-returnable and non-refundable.
Therefore, once the product has been puchased by you, your order may not be cancelled or refunded.
If, however, you experience difficulty accessing or downloading your purchased product, help is available.
Please see your purchase invoice/receipt for our support contact details or use the support section of our forum to inquire regarding the product in question.
By purchasing the virtual item (Subscriptions) to our website you accept our terms of service.
That state that the purchase of the virtual item and digital product are not refundable.[/color]

I was wondering if i chargeback through chase bank, will i have a good chance of getting my money back?
Please reply quickly :(


augiedog
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Postby augiedog » Sun Dec 28, 2014 3:03 pm

Most credit cards have writing that prevent returns of computer software; However, you can argue with the creditor to say that is not a product but a service and that its function isn't being performed within however many days since your purchase.

Word of advice: If at first you don't succeed, try and try again! I suspect some of the phone operators may not want to file the dispute because it is computer software, but once you put a dispute in you should then start writing letters to the creditor explaining the situation and call back for the status (to get an expedited refund). Sometimes being unable to resolve a dispute with a merchant, or a merchant that does not answer his phone is enough to get a refund eventually (I've tried disputing things with merchants that put me on hold for hours - when they put my bank on hold that's when the bank decided enough was enough!)
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

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Masterjake912
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Postby Masterjake912 » Sun Dec 28, 2014 3:12 pm

Thank you so much @augiedog i will take that into consideration :)

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lobbythis
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Postby lobbythis » Sun Dec 28, 2014 3:33 pm

Open up a case in PayPal. The only TOS that matters is PayPal TOS, not some random seller.

PayPal hates digital items and almost always sides with the buyer and not the seller. Should be an easy case to win.

In the future though, you need to be fully aware that trading digital goods is basically a free-for-all with no rules.

Edit: How can you do a chargeback if you paid with your bank account? So, I don't think that is going to happen. All you did was a transfer. No card was ever involved.

Masterjake912
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Postby Masterjake912 » Sun Dec 28, 2014 3:35 pm

augiedog wrote:Most credit cards have writing that prevent returns of computer software; However, you can argue with the creditor to say that is not a product but a service and that its function isn't being performed within however many days since your purchase.

Word of advice: If at first you don't succeed, try and try again! I suspect some of the phone operators may not want to file the dispute because it is computer software, but once you put a dispute in you should then start writing letters to the creditor explaining the situation and call back for the status (to get an expedited refund). Sometimes being unable to resolve a dispute with a merchant, or a merchant that does not answer his phone is enough to get a refund eventually (I've tried disputing things with merchants that put me on hold for hours - when they put my bank on hold that's when the bank decided enough was enough!)


OK now in my Paypal dispute it asks me what is the category of your purchase? i have narrowed it down to three things can you help me.
1.) Computer Hardware/Software
2.) Service
3.) Vitual Good - Delivered Electronically

Only problem with virtual good is, it makes me look like i will have the product/service after the dispute, which i won't because he will disable me from the product. So what should i choose?

augiedog
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Postby augiedog » Sun Dec 28, 2014 6:00 pm

Masterjake912 wrote:Only problem with virtual good is, it makes me look like i will have the product/service after the dispute, which i won't because he will disable me from the product. So what should i choose?


The fact that he will disable you from using it makes it a service.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

whit
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Postby whit » Sun Dec 28, 2014 8:09 pm

Since when does unsatisfactory service become grounds for chargeback?

Isn't chargebacks for, when, a transaction is done that isn't suppose to be?

I blame Amex and PayPal

I think, especially since you brought it four times, that you're better off just stop using the service and consider it a lesson learned. If you like, you can try to sue.

It's not as easy as people think, for credit card companies to get the $$$ back from the merchant, ( https://www.dalpay.com/en/support/chargebacks.html ) especially once the funds have been exchanged. Most likely, if it happens, which I doubt with chase, but if they do take your compliant and give you your money back, they themselves would eat the $$$ and make up for it other ways once that hole gets big enough for them to notice (meaning enough of you are taking for granted and the money they've set aside to deal with instances like this is dried up)

So indirectly and not immediately but over time the cost is spread amongst everyone..kinda like insurance!

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lobbythis
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Postby lobbythis » Sun Dec 28, 2014 10:07 pm

OP did not use a CC, so there is no ability to chargeback. All they did was use a bank transfer.

As previously mentioned, you used the service multiple times and this is a digital good. All you can do is open a case.

Quit whining like a child. PayPal is the only one who can do anything about it. You play by their rules. They will make the final decision in the case. All you can do is open one.



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