Who want to help wirte a CC dispute?

[LeXeR]

Here's the short version of the long story, as some have probably seen my earlier posts crying for help. i bought a White Cloud Cirrus from the mall, and after doing my research i found out i got screwed. So now i'm disputing it with my cc comapny.

i need to explain to them why i have 1st a defective product.

5 days after purchasing 2 of the 4 batteries died, i tired to excahge them at the store as was told i need to e-mail and mail them in. i e-mailed support and again was told that i would have to mail them in. they are located in Tarpon Spring, FL... i'm in Tampa, FL. wtf. that's pretty much the next town over. it states on there website that i can exchange the product at the retail location.

so i promptly ask for a refund for my defective product and was told there was a 20% restocking fee. I spent 400 at the mall for this crap and they want to charge me 80 bucks to return a defective product? so while trying to get a refund at the mall the clerck kept threating to call mall security and kept ignoring me.
​

i promtly called the CC comapny and started a defective product claim.
so now i need to write a nice letter.

@nd why i feel i didn't get what i paid for.
i'm assuming i can include info from there web site stating that: one cartrage will give the enjoyment of 40 cigs. False = defective.

Battery last 6-8 hours. False = defective.

Any legal types here wanna help?
Thanks.

 

[el lobo furtivo]

Don't suppose you have a copy of their return policy, receipt with a return policy, packaging with claims to product features? Any of these things will be helpful. Start saving copies of everything. Print the email, print the page of their website that says you can return to the retail location.

I spent about 4 years in the banking/finance industry and let me warn you: this will take months. And in the end, you've got about a 20% chance of getting your money back. You basically have to prove your product was in fact defective AND that the company "guarantees" their product to some extent (i.e. a return policy). And even then, it still may not be enough for your credit card company to step in. Your best bet is to find a customer service phone number and work your way up the ladder til you find someone who can help you.

Well, that's all the advice I can think of right now. Good luck!

 

[KreeL]

Why didn't you just mail in the batts? Couldn't have cost you more than a couple bucks. The time it will take you to write a cohesive letter will cost you at least 50 times that in your time alone.

You're not going to get a full refund, so forget about that. You should be able to get some warranty batts if you follow their return instructions and mail them in.

Next time you'll know better. This time, just chalk it up to the noobie learning curve.

 

[Elendil]

Don't overthink this. If you are a good CC customer, the company will probably decide in your favor anyway. They are very slanted toward their cardholders. Except American Express, who are slanted toward the merchants because they charge a larger discount fee than any other issuer on the market.

 

[Antebellum]

Restocking fee for a defective product? That's a new one on me.

 

[V10Beast]

Call their customer service and speak with someone higher up. Threaten to dispute the charges and they will take care of you. A dispute, whether won or lost, will cost the Merchant anywhere from $15-$25+ dollars and is also a bad mark with their merchant bank, which may result (if too many) on their funds being held in reserve for 6+ months.

Trust me, threating a dispute will usually get you taken care of. If you used American Express, you can keep appealing the case for up to a yr if you lose.

Basically, when you bought the thing, you would have a copy of the Warranty / Return Agreement. Just present that to the CC company and tell them that you have not been compensated with the working parts. It is up to the Merchant to show proof of delivery for your RA / RMA parts.

But like Kreel said, why don't you just send it in? If it clearly states that you can return it to a retail location, then I understand. Just make that clear to the CC Company as well.

And BTW, it is useless to tell a clerk / mall associate that you will do a dispute. He don't know or care about that. But when word gets to the right ppl (owner, manager, partner), believe me, they will care. A couple of batts cost them next to nothing and just the cost of the dispute being filed (whether they win or lose) will be moe than the batts, I assure you. Plus, they take a chance with losing the entire $400.

 

[Robert]

$400 ?!?!?!?!

I would drive my car through the kiosk....

Can you run fast? Just grap a bunch of batteries and a few more kit's and run for it!

Stand there smoking a 510 .....ing anout how they suck and rip people off till they give you the money

White 510 red led black atty whit cart- and yelling at people- here you go sir thats 400$

 

[Zofryer]

The CC company will take your side. Been there, done that. However, White Cloud will most definitely file a fraud claim on your credit report anyway, and you'll have to contact the credit reporting agencies with a copy of the bank's determination to get it removed. I went through this.

 

[Elendil]

However, White Cloud will most definitely file a fraud claim on your credit report anyway

There is no such thing. The only items that are on your credit report are loans and revolving debt (and some utilities nowadays).

Derogatory items such as collections, judgments, and bankruptcy will also appear on your credit report under the "Collections and Public records" section of the report.

For this transaction to actually show up on the buyers credit report, the company would have to place the debt with a collection agency or take the customer to court and win a judgment against them. If the item were sent to collection and you had already won a CC dispute, you could then file a dispute and use the CC claim as proof the item should be removed.

Companies cannot just randomly place an item on your credit report. It doesn't work that way.

PS. If you win a CC dispute, you need to make sure to return everything you purchased to the company. You don't get to dispute and keep the items as well............