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I had Chase screw up a similarly obvious dispute. Long story short, Newegg send me a defective monitor, they claimed it was damaged on return, and then dithere

by treis 7y ago

I had Chase screw up a similarly obvious dispute. Long story short, Newegg send me a defective monitor, they claimed it was damaged on return, and then dithered on the refund. After I filed a dispute Newegg sent the defective and now broken monitor back to me. They then responded to the dispute saying I never returned the item and gave the tracking as proof. Chase inexplicably (how could they send back the item if I never returned it?) sided with them. All the CFPB did for me was forward my complaint to Chase who (politely) told me to go fuck myself.

JumpCrisscross 7y ago
> All the CFPB did CFPB is a joke. Your state financial regulator and the Fed enforce Regulation E in the United States.
- treis 7y ago
  Do you have a link to where I should complain?
  - JumpCrisscross 7y ago
    Google <your state> financial regulator. In New York, we have the DFS [1], for example. Note that the rules are less strict for returns than for fraud. You’ll want to include proof of shipping the return, but the merchant and network have some discretion. (VISA is more consumer-friendly than MasterCard with return chargebacks; AmEx is the best.) [1] https://www.dfs.ny.gov/ https://www.dfs.ny.gov/
    - treis 7y ago
      >The Department does not regulate national banks (examples: Bank of America, Wells Fargo, Chase, Citibank, PNC) or federal credit unions, whether operating in Georgia or elsewhere. https://dbf.georgia.gov/consumer-resources https://dbf.georgia.gov/consumer-resources
      - JumpCrisscross 7y ago
        It doesn't regulate, but depending on the state they'll often mediate. (New York has mediated disputes between national banks and me, for instance.) Otherwise, the OCC [1] is worth a try. [1] https://www.occ.gov/topics/consumer-protection/index-consumer-protection.html https://www.occ.gov/topics/consumer-protection/index-consume...
        treis 7y ago
        I mean, the CFPP mediated my dispute as well. Chase told me to go fuck myself and CFPP dutifully reported that to me. The question is whether these organizations can sit as an objective third party, look at my dispute, and force Chase to do the right thing.
  - RandomBacon 7y ago
    https://www.ftccomplaintassistant.gov https://www.ftccomplaintassistant.gov
    - treis 7y ago
      The only choice that doesn't route me to the CFPB is: >The company asked me to pay a fee before they would issue me credit.
      - RandomBacon 7y ago
        Under Online Shopping, did you check "I never received merchandise" and "I did not receive a prompt refund"? You never did receive what you ordered: a working product. One time, I just had to tell a company while I was on the phone with them, that I had this specific website open on my computer and was filling out the form. That got them to resolve the issue immediately. Unfortunately, this would only address the issue with Newegg, not Chase. But you should still get your refund, or the monitor, which you can then return for a refund (if you ended up buying another one somewhere else already). If Newegg says it's too late for a refund, tell them to read their own ToS which says you are elligible for a refund, or that you will sue them in small claims court. Or you could use your credit card's warrenty if it has one. Heck, if your credit card has warranty coverage, did you try using that? From what I understand, if you try returning a defective item and the store won't accept it, the credit card company will just write you a check. Just open a new case with the credit card company and don't refer to the old issue/case.
        treis 7y ago
        >Under Online Shopping, did you check "I never received merchandise" and "I did not receive a prompt refund"? Ah, I went down the Credit Card path. >Heck, if your credit card has warranty coverage, did you try using that? From what I understand, if you try returning a defective item and the store won't accept it, the credit card company will just write you a check. By the time I thought of this I was out of the warranty time frame. I did bring it up in my CFPB complaint though, but I don't recall if they addressed that specifically when they told me to pound sand. >Unfortunately, this would only address the issue with Newegg Newegg banned my account after the dispute. Since they sold a defective monitor as "certified refurbished" and then fraudulently answered the CC dispute I don't have any faith they will voluntarily resolve the issue. Unfortunately, this level of customer service is par for the course for them.
LorenPechtel 7y ago
I've never dealt with the CFPB. However, three times I have complained to regulators about companies misbehaving. It appears that every time the regulators did little beyond forwarding the complaint, but in every case it resulted in the company promptly behaving itself.

by treis 7y ago

JumpCrisscross 7y ago

> All the CFPB did CFPB is a joke. Your state financial regulator and the Fed enforce Regulation E in the United States.

treis 7y ago
Do you have a link to where I should complain?
- JumpCrisscross 7y ago
  Google <your state> financial regulator. In New York, we have the DFS [1], for example. Note that the rules are less strict for returns than for fraud. You’ll want to include proof of shipping the return, but the merchant and network have some discretion. (VISA is more consumer-friendly than MasterCard with return chargebacks; AmEx is the best.) [1] https://www.dfs.ny.gov/ https://www.dfs.ny.gov/
  - treis 7y ago
    >The Department does not regulate national banks (examples: Bank of America, Wells Fargo, Chase, Citibank, PNC) or federal credit unions, whether operating in Georgia or elsewhere. https://dbf.georgia.gov/consumer-resources https://dbf.georgia.gov/consumer-resources
    - JumpCrisscross 7y ago
      It doesn't regulate, but depending on the state they'll often mediate. (New York has mediated disputes between national banks and me, for instance.) Otherwise, the OCC [1] is worth a try. [1] https://www.occ.gov/topics/consumer-protection/index-consumer-protection.html https://www.occ.gov/topics/consumer-protection/index-consume...
      - treis 7y ago
        I mean, the CFPP mediated my dispute as well. Chase told me to go fuck myself and CFPP dutifully reported that to me. The question is whether these organizations can sit as an objective third party, look at my dispute, and force Chase to do the right thing.
- RandomBacon 7y ago
  https://www.ftccomplaintassistant.gov https://www.ftccomplaintassistant.gov
  - treis 7y ago
    The only choice that doesn't route me to the CFPB is: >The company asked me to pay a fee before they would issue me credit.
    - RandomBacon 7y ago
      Under Online Shopping, did you check "I never received merchandise" and "I did not receive a prompt refund"? You never did receive what you ordered: a working product. One time, I just had to tell a company while I was on the phone with them, that I had this specific website open on my computer and was filling out the form. That got them to resolve the issue immediately. Unfortunately, this would only address the issue with Newegg, not Chase. But you should still get your refund, or the monitor, which you can then return for a refund (if you ended up buying another one somewhere else already). If Newegg says it's too late for a refund, tell them to read their own ToS which says you are elligible for a refund, or that you will sue them in small claims court. Or you could use your credit card's warrenty if it has one. Heck, if your credit card has warranty coverage, did you try using that? From what I understand, if you try returning a defective item and the store won't accept it, the credit card company will just write you a check. Just open a new case with the credit card company and don't refer to the old issue/case.
      - treis 7y ago
        >Under Online Shopping, did you check "I never received merchandise" and "I did not receive a prompt refund"? Ah, I went down the Credit Card path. >Heck, if your credit card has warranty coverage, did you try using that? From what I understand, if you try returning a defective item and the store won't accept it, the credit card company will just write you a check. By the time I thought of this I was out of the warranty time frame. I did bring it up in my CFPB complaint though, but I don't recall if they addressed that specifically when they told me to pound sand. >Unfortunately, this would only address the issue with Newegg Newegg banned my account after the dispute. Since they sold a defective monitor as "certified refurbished" and then fraudulently answered the CC dispute I don't have any faith they will voluntarily resolve the issue. Unfortunately, this level of customer service is par for the course for them.

LorenPechtel 7y ago

I've never dealt with the CFPB. However, three times I have complained to regulators about companies misbehaving. It appears that every time the regulators did little beyond forwarding the complaint, but in every case it resulted in the company promptly behaving itself.