That’s not as straightforward as it sounds. I bought a Roomba from iRobot last year that developed a nasty buzzing sound during the 60-day return period. I cont

That’s not as straightforward as it sounds. I bought a Roomba from iRobot last year that developed a nasty buzzing sound during the 60-day return period. I contacted iRobot tech support by phone and got hung up on. I sent an email and didn’t hear back within their stated 24-hour response period. So I opened a dispute with CapitalOne, my CC company. They were very clearly not on my side. I had to fill out a form which asked for things like a letter from another retailer explaining why the chargeback was justified. I filled it out, included tons of supporting documentation including my emails with iRobot. (I didn’t do the letter, though.) CapitalOne forwarded it to iRobot, who responded with a form letter that didn’t address the complaint at all. (Just “our return policy is XXX—my problem was that they weren’t issuing me an RMA so I could actually conduct the return… a problem I had clearly laid out in the complaint.) Despite them not addressing my complaint, CapitalOne reversed the chargeback and sent me a letter that gave me something like 14 days to respond (iRobot had 60 days to respond, IIRC). This was over the Christmas holiday, so I didn’t see their letter. I was very disappointed with the experience. CapitalOne wasn’t providing me the consumer protection I expected of them, and there didn’t seem to be a human in the loop. I did a search for an alternative CC, but didn’t find anything that seemed like it would be better. (I though the Apple Card might be a good choice, but apparently they’re getting a lot of complaints about the actual provider, which is Goldman Sachs IIRC.) Fortunately, the complaint did bump my support request up to executive escalations, which was my original intention anyway, and it was eventually resolved to my satisfaction, including iRobot paying return shipping and even dealing with UPS losing the return package. I’m now the happy owner of a functional j7. FWIW, I think iRobot’s issues were more about staff shortages than any intentional malfeasance. So everything worked out. But I’m still unhappy with CapitalOne—I had a good case for a chargeback, but they didn’t even read it before siding with the seller. Long story short: chargebacks aren’t the panacea they used to be.