Disputing a Visa charge a few months after transaction?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Disputing a Visa charge a few months after transaction?

Postby Mavis » Thu Mar 06, 2014 3:06 pm

Hi all,

I have a service issue with a retailer I made a big purchase from. I put down a large deposit on my Visa and I am waiting delivery of my item. However since then, I have had many service issues with the retailer, including the owner rudely belittling my wife on the phone. I worry about the final quality of the product that will be delivered since now the owner is demanding that he gets paid the full balance the day before delivery. This guy doesn't deserve to be in business.

My understanding is that once I pay off a Visa statement, I can no longer dispute any charges. I have already paid off the statement with the initial deposit.

I have a few questions which I would really appreciate some help on.

  1. Is it too late to dispute the deposit amount now? It's been 1.5 months since the deposit was made.
  2. Would it be too late to dispute the initial deposit amount after delivery? Delivery will be approximately 3 months after initial deposit.
  3. Do I have a basis to dispute the deposit and get a refund? We have a written contract detailing a purchase and the owner's rude behaviour is all through the phone, nothing in writing. The owner will claim that he already made the purchase and he will incur a loss if he cancels the order.


CC Deville
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Postby CC Deville » Thu Mar 06, 2014 4:50 pm

I am not sure about up in Canada, but here in the US we usually have 45 days to dispute a transaction. Even if you paid the balance in full, the bank will usually issue a conditional credit to the account while they investigate the dispute.

Unfortunately since you have a contract there may be little that can be done; however, your best bet is to call the Visa issuer to dispute the transaction. They will, of course, ask you if you have tried to cancel with the merchant. This sounds mostly like buyers remorse. At the very least when all is said and done you can make a report to a Better Business Bureau so that he has a few dings against him that other prospective clients will be able to see.

Good luck.

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Postby linuxmachine » Thu Mar 06, 2014 5:16 pm

Some credit cards come with purchase protection. If your card provides one and is within the amount allowed, you could always have Visa fix/replace the item for you if you don't get the full product in its expected condition. Time like this I appreciate some of the consumer benefits with the Amex charge cards.

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Postby MemberSince99 » Thu Mar 06, 2014 6:10 pm

I thought it was 90 days. In any case there is a limit. And while the T&C say that, I've paid the amount and still disputed and it was never an issue.

This is why I don't pay now and hope to collect later. It really becomes subject to your card issuer how they handle it. It always is, but once you venture outside the normal parameters then it will really become YMMV.

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