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> ...frys actually challenged my chargeback... Side note: if you have a fraudulent transaction on your credit card, don't call your credit card company and "di

> ...frys actually challenged my chargeback... Side note: if you have a fraudulent transaction on your credit card, don't call your credit card company and "dispute" a charge or ask for a "chargeback". Instead, call them and tell them you had a fraudulent transaction. I had a clearly fraudulent charge on my Amex a few years ago (a Wal-Mart gift card was shipped to somewhere in Central California). I called Amex and asked to dispute the charge. Wal-Mart then provided Amex with the tracking info showing the package was signed for, and so they said that they had rendered the services paid for, and the case was closed in the merchant's favor. It turns out that "fraud" is the magic word, not "dispute". I called Amex back and got into the fraud process instead, which of course fixed the issue.

ghoul2 13y ago
Sorry, you are right, of course. Here, I used "chargeback" as a shortcut for saying I asked the bank to not pay out. My banks dispute form - a simple 1-pager - essentially leaves very little room for confusion in the nature of the dispute in any event. They have some 10-odd descriptions and one is supposed to pick the right, or closest one. I picked "I did not authorize nor was involved in this transaction". In my country the "terminology" of credit card use isn't as evolved as it is in the US - we don't actually have well defined terms like "chargeback", "dispute" etc.
- maaku 13y ago
  > Sorry, you are right, of course. Here, I used "chargeback" as a shortcut for saying I asked the bank to not pay out. Which is what a chargeback is. In many cases if you let them know it was a case of identity theft, a different process is used and you are more likely to get your money back.
dminor 13y ago
Amex is also in general more likely to side with a merchant than Visa/Mastercard, who pretty much never do.
- andy10 13y ago
  I find that the opposite is true. AMEX will advocate for the consumer, more so than VISA/MC (though that really depends on the financial institution).
- brk 13y ago
  What is this statement based on? I've been both a merchant and consumer, and haven't found this to be true at all.
  - dminor 13y ago
    Experience as a merchant. If we give Amex reasonable evidence that merchandise was received and a chargeback is unwarranted, there is a chance they will find in our favor, whereas Visa/Mastercard take the consumer's side almost unconditionally. I suspect this because Amex is better staffed in this area.
    - brandnewlow 13y ago
      What evidence do you provide? We've never once seen Amex side with us on a chargeback despite reams of evidence.
    - brk 13y ago
      OK, Interesting, I haven't had the same experience, having won a few Visa chargeback attempts from customers that received merchandise as ordered. My experience is primarily B2B though, where there are credit card authorization and tax exempt forms involved. So, it's not like the customer can claim they can't recall ordering something, etc.
      - dminor 13y ago
        Based on what everyone else says, it's probably sample size. The number of people we have who buy something with their own card and then chargeback is pretty small for us (and it's usually in error).
    - 13y ago

ghoul2 13y ago

Sorry, you are right, of course. Here, I used "chargeback" as a shortcut for saying I asked the bank to not pay out. My banks dispute form - a simple 1-pager - essentially leaves very little room for confusion in the nature of the dispute in any event. They have some 10-odd descriptions and one is supposed to pick the right, or closest one. I picked "I did not authorize nor was involved in this transaction". In my country the "terminology" of credit card use isn't as evolved as it is in the US - we don't actually have well defined terms like "chargeback", "dispute" etc.

maaku 13y ago
> Sorry, you are right, of course. Here, I used "chargeback" as a shortcut for saying I asked the bank to not pay out. Which is what a chargeback is. In many cases if you let them know it was a case of identity theft, a different process is used and you are more likely to get your money back.

dminor 13y ago

Amex is also in general more likely to side with a merchant than Visa/Mastercard, who pretty much never do.

andy10 13y ago
I find that the opposite is true. AMEX will advocate for the consumer, more so than VISA/MC (though that really depends on the financial institution).
brk 13y ago
What is this statement based on? I've been both a merchant and consumer, and haven't found this to be true at all.
- dminor 13y ago
  Experience as a merchant. If we give Amex reasonable evidence that merchandise was received and a chargeback is unwarranted, there is a chance they will find in our favor, whereas Visa/Mastercard take the consumer's side almost unconditionally. I suspect this because Amex is better staffed in this area.
  - brandnewlow 13y ago
    What evidence do you provide? We've never once seen Amex side with us on a chargeback despite reams of evidence.
  - brk 13y ago
    OK, Interesting, I haven't had the same experience, having won a few Visa chargeback attempts from customers that received merchandise as ordered. My experience is primarily B2B though, where there are credit card authorization and tax exempt forms involved. So, it's not like the customer can claim they can't recall ordering something, etc.
    - dminor 13y ago
      Based on what everyone else says, it's probably sample size. The number of people we have who buy something with their own card and then chargeback is pretty small for us (and it's usually in error).
  - 13y ago