Chase Sapphire return protection

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deathrider
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Chase Sapphire return protection

Postby deathrider » Fri Feb 20, 2015 5:22 pm

I have had claims with AMEX return protection and the process was smooth and too good to be true.
I thought all cards worked in a similar way but I was very wrong
I purchased a pair of shoes that after wearing them for a day I decided they were too uncomfortable so tried to return them and the merchant wouldn't take them back because it showed use, I called Chase sapphire and they said just sent in the receipt.
after about 2 weeks waiting for approval they sent me a letter stating


Thank you for submitting your completed Return Protection Program claim application. Unfortunately, we are unable to honor your claim due to the following:
 The Return Protection program is secondary to store policies regarding returns and other forms of reimbursement. Coverage to recover the product cost is available to you through the store where the claimed item was originally purchased.


so I emailed them back
My claim needs to be reconsidered, the reason why I made this claim was because the store will not take back the product, I would not be making a claim if merchant would take back the product, the shoe box states “any footwear worn outside may not be returned for credit unless defective” picture of this sticker will be attached.
I have never had such a problem with AMEX,

They can get out of any claim by just assuming the product can be taken back to merchant, I really hope Citi Prestige works like AMEX
[size=100]Citi Prestige CL 16.5k
Chase Sapphire CL12.5k
Amex Gold NPSL
Sears MasterCard CL 8k
JP Morgan Ritz Carlton Canceled[/size]


yfan
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Postby yfan » Fri Feb 20, 2015 5:53 pm

I am sorry to hear about this, but frankly unsurprised. Chase is trying to compete with Amex without the willingness to invest in service of equal caliber. Plainly put, they want to compete with Amex on the cheap. Amex has higher AFs, higher swipe fees and a business model they have perfected to give the customer what they want. If Chase is going to compete with Amex on rewards with relatively smaller AFs and swipe fees, they have to cut somewhere. Hence you get the shaft and the protections are often on paper only.

There is another way to compete with Amex, and Discover has shown that way. You don't go toe-to-toe with Amex on rewards. You offer a no AF product with excellent but sustainable rewards, earn customer loyalty (typically, Chase is trying to "take" customers from Amex, by definition acquiring a clientele who won't build loyalty), provide US based customer service, and earn top ratings on it rivaling Amex.

Patcell87
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Postby Patcell87 » Fri Feb 20, 2015 6:00 pm

This worries me... I have been using my CSP a lot for the return and price protections offered. I purchased a camera for my wife for Christmas and just last week I filed a claim under the price protection because I found the same camera advertised for a significantly lower price than I paid. I have not heard back yet, but after reading your story I am not optimistic... Chase will swiftly lose my business if this is becomes a trend.

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lobbythis
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Postby lobbythis » Fri Feb 20, 2015 7:51 pm

I'm confused.

The box clearly states you cannot return these shoes once worn and you were well aware of this. So, already you have misconstrued your ignorance as Chase's fault.

Now, if there was a return period, Chase is simply stating their protection comes secondary to the original return policy. Since there isn't one, it's now become a blame game. Hard to say who's responsible for your reimbursement. Has anyone else been in a situation where there was no returns accepted after an item was used and attempted to make a claim?

My last concern is that these shoes may have been a designer brand since all of the ones I've ever bought make it very clear that the shoes cannot be returned once worn. I have quite a few pair and some didn't work out, but I was well aware of the All Sales Are Final once worn policy that comes with every designer shoe I have ever bought. So, I just chuck it up to a loss or sell them online. But, I don't blame my credit card company for my lack of competence. And, if they were designer and very expensive, you wanting reimbursement after just a day later could look fraudulent to them.

MB131174
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Postby MB131174 » Fri Feb 20, 2015 7:52 pm

This may or may not be related, but, I actually worry about using a benefit unless it's from AmEx. When dealing with CSP for some benefits - you're dealing with 2 entities: Chase and Visa. To me, that leaves too much room to be bounced back and forth between bank and network. When you deal with AmEx, you deal with AmEx. Period. That is because AmEx is both the issuer and network. They have no one to pass you off to. I once had a defective iPhone case that amazon.com wouldn't help me with, so I contacted AmEx since I used an AmEx card to pay for it. A short while later I was issued a full refund of the purchase price to my account because amazon.com wouldn't honor the warranty.

With that said - I once bought something off amazon.com and they would not take it back. I called Discover (I used my Discover card for the transaction) and filed a claim with them. Easy process and I got my money back. Well, most money. They don't refund tax and you have to pay to ship the item to them.

I'm noticing a pattern with amazon.com now that I post this.....
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deathrider
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Postby deathrider » Fri Feb 20, 2015 8:14 pm

lobbythis wrote:I'm confused.

The box clearly states you cannot return these shoes once worn and you were well aware of this. So, already you have misconstrued your ignorance as Chase's fault.

Now, if there was a return period, Chase is simply stating their protection comes secondary to the original return policy. Since there isn't one, it's now become a blame game.

. And, if they were designer and very expensive, you wanting reimbursement after just a day later could look fraudulent to them.




According to the terms, return protection is for when the merchant does not want to take the product back ,return PROTECTION is so I will be covered in case a purchase doesn't work out , their argument is that they assume the merchant will take them back which is not the case, now the fraudulent part is just ridiculous, I did not hide anything during my claim and even told them I walked in the shoes for a day, that was not an issue.
[size=100]Citi Prestige CL 16.5k

Chase Sapphire CL12.5k

Amex Gold NPSL

Sears MasterCard CL 8k

JP Morgan Ritz Carlton Canceled[/size]

deathrider
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Postby deathrider » Fri Feb 20, 2015 9:10 pm

Patcell87 wrote:This worries me... I have been using my CSP a lot for the return and price protections offered. I purchased a camera for my wife for Christmas and just last week I filed a claim under the price protection because I found the same camera advertised for a significantly lower price than I paid. I have not heard back yet, but after reading your story I am not optimistic... Chase will swiftly lose my business if this is becomes a trend.


Please keep me updated!
[size=100]Citi Prestige CL 16.5k

Chase Sapphire CL12.5k

Amex Gold NPSL

Sears MasterCard CL 8k

JP Morgan Ritz Carlton Canceled[/size]

Patcell87
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Postby Patcell87 » Sun Feb 22, 2015 7:02 am

deathrider wrote:Please keep me updated!


I will for sure! I am anxiously awaiting their response to my claim!

Did you ever hear back after your follow up email? As far as I understand the terms, you should be protected in this case assuming the store would not take them back, which they already refused...

darkguy2
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Postby darkguy2 » Sun Feb 22, 2015 10:30 am

I submitted a claim last month on a video game. I don't think I got anything saying it was accepted. I just got a check a few weeks later. That was on my Freedom however.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

Patcell87
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Postby Patcell87 » Sun Feb 22, 2015 11:26 am

darkguy2 wrote:I submitted a claim last month on a video game. I don't think I got anything saying it was accepted. I just got a check a few weeks later. That was on my Freedom however.


Oh, well that is good sign... At least someone has had some success with the Visa benefits. I'm surprised they don't just issue a statement credit... Maybe because this is a Visa benefit, having nothing to do with the issuing bank...



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