A charge-back with your card issuer/bank isn't where you want to start. Always start with the retailer and keep the charge-back as plan C or D for when all else fails. It can be surprising how accommodating retailers can be. This one time at band camp I met a put a flute up a bitches' pussy and when I was done her boyfriend gets all bent up out of shape. Ranting and raving about all this shit he bought her blah blah. Come to find out he was using the word "bought" pretty loosely. Sure he bought her a $4000 laptop, $2000 drone, GoPro Camera, wet-suit, shoes, you name it. But he received full refunds for all of it in 7-10 business days on average. He's all crying about waiting 45 days one time for a Bluetooth speaker and how special it was and shit.
Later that night, when I was done beating his girls pussy up again, she's starting to ramble about making her feel all sorts of ways she has never felt before. I asked if it felt anything like getting all those free ipads and shit. I got that bitch rambling for what seemed like 5 years. If a university offered a degree in buying whatever the fuck you want online and getting all your money back I would get credit for summer classes and have a masters degree. I actually can only think of 4 situations that girl told me about where her now ex had to get in touch with his bank and file a charge-back.
Something she learned me is that charge-back are meant to help to consumers who have experienced a compromise in their banking credentials and that have incurred fraudulent charges that were not authorized by them. In the United States at least. Cb's second consumer protection purpose is to prevent fraudulent/deceptive trade practices. Say if you were to order a Casper mattress and after it is delivered you try to sleep on it but it's full of straw from the 1800's. Any cb request to a financial institution for a matter concerning the QUALITY of goods/services provided does not fall under the legal protections a cb is meant to provide. But if your mattress never shows up then it is the responsibility of the parcel carriers like FedEx and UPS to prove it was delivered. Which from what I have read and heard only happens maybe 5% of the time and you are told that you will need to have a police report filed and to give them a copy of to receive reimbursement.
The girl mentioned having to listen to her ex talk to customer support on the phone with retailers for over an hour sometimes just repeating himself over and over. How that he didn't care what the drivers handheld unit or tracking number said he paid $4000 for a laptop and still didn't have it. You need to set your mental space how it would be if you had spent $4000 on something and didn't get it or receive any compensation. Would you just take the first no or gift card compensation from the rep that answers the phone? Fuck no you wouldn't.
You may have a kick ass bank that approves cb's to receive immediate credits before the investigation process is finished. If you receive an instant credit or have to wait seems to be dependent on if you order with a credit vs debit card.CC companies generally side with the consumer by default and leave the burden of proving the transaction was legitimate to the merchant. While debit card issuers side with the merchant and the consumer has the responsibility to prove the purchase was unauthorized or that they were deceived during the buying process.
The other reason that a cb isn't where you want to start is because the first questions asked in all cb claims is what you have done to contact the merchant and rectify the situation with them directly first. As well as their responses and resistance to provide a mutually acceptable resolution.Keep that in mind and just try calling the merchants and say you never received your parcel. Not that it was empty or tampered with. That you just didn't get it at all. Even if you sign for the package and are told that you singed for it when you call saying it never showed up don't back down. Tell the representative you are fully aware what the driver handheld, truck gps, or tracking number say happened and where the parcel is but that it just isn't correct. If they ignore you and repeat themselves saying they can't help then accuse them of calling you a liar. Even if you have counterfeit money or counterfeit coupons most retailers do not allow employees to accuse you of anything and make those allegations. Including online purchases. on the 1-100 occasions that the driver shows up knocking on your door to ask about the package he gave you last week and your claim it didn't show up. Tell them that you remember getting the parcel they are talking about but when you opened it your entire order was not inside. If your order shipped in multiple parcels make sure to double check which items are included with each tracking #.
For Target the best method is to say you received the parcel but it had the wrong item. Buy yourself an Ipad and say you received some notebooks instead. Check item weights on target.com and make sure you have the item upc written down so you don't have to fumble around on speaker phone to try and find it mid-conversation. Most of the time they let you "keep the item" and instantly approve your refund. Way better than waiting a few days to two weeks on a lost parcel track.
If you have a UPSMychoice or Fedex shipping account registered to your address it can get in the way of and fuck up the Did Not Arrive (DNA method) method. Their excuse for shifting the financial burden onto you is because with either mentioned account you are able to add delivery instructions or ask for a mail hold at a local office and because you didn't then you're on your own.
If you still fail get in touch with me and I'll help fix whatever you fucked up.
