| Did you know that there is a procedure to | | | | communication between you and the Merchant. |
| follow when you dispute a charge on your | | | | Should it be an online Company be sure to |
| credit card? Were you aware that if you do | | | | save all your emails. The latter is a very |
| not act in accordance with the procedure as | | | | important point. Don't communicate by phone |
| outlined below, your money could be | | | | as there will be no documentation. Do all |
| lost… just short of a lawsuit with the | | | | this by regular mail or email. |
| credit card company and merchant involved? | | | | |
| | | | When you contact the bank that issued your |
| Let's say that you ordered a product from a | | | | credit card, be sure you get all the |
| merchant, but you did not receive the product | | | | information that you need to protect |
| as advertised or you were not happy with the | | | | yourself. This includes: Time frame for |
| product. Worse yet you may have not received | | | | handling the dispute, and all the information |
| it at all. The first thing that you do is try | | | | they need to override any objection the |
| to resolve the matter with the Merchant. | | | | merchant could possible have. This is very |
| | | | important. A solid case has to be built |
| What happens if the Merchant does not satisfy | | | | against the merchant if you are to win your |
| your complaint? Plus, they refuse to offer a | | | | dispute. |
| refund or an adjustment to your satisfaction. | | | | |
| You at this stage will have no other option | | | | There have been some cases where merchants |
| than to file a dispute with the issuing Bank | | | | have intentionally lied because they know |
| of your credit card. You than wait until your | | | | something you don't know…they have the |
| credit card company contacts you. | | | | last word after reading your story. How do I |
| | | | know this? I have been a victim of a |
| When you are contacted make sure you find out | | | | particular merchant. |
| how long your credit card company (Bank) will | | | | |
| take to handle the dispute. Remember the | | | | My credit card company told me I could not |
| Merchant has the opportunity to tell their | | | | rebut the rebuttal. However, because I was |
| side of the story after you told yours. Be | | | | such a good customer they took off some |
| prepared to tell your facts regarding the | | | | finance charges that equaled the total of the |
| purchase and why you were not happy with the | | | | dispute. I did let my Credit card Company |
| product. You will get only one chance at | | | | know that the merchant made fraudulent |
| doing this so get all your facts organized | | | | statements regarding their rebuttal. Most |
| and present it as they occurred. | | | | reputable companies would obviously not lie |
| | | | about a transaction, but there are always the |
| Make sure you keep all the paperwork and | | | | few that do. |