Credit Card Charge - refund

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stockrex
Posts: 51
Joined: Sat Mar 09, 2019 6:28 pm

Credit Card Charge - refund

Post by stockrex » Wed Nov 06, 2019 9:47 am

Greetings,

I paid prepaid $6250 to a Professional Coaching firm. I asked for the contract for review and then if I was going with them I was going to sign and pay the remaining $6250.
After reviewing the contract it was evident, it was bait and switch, I told them I was not avail their services and asked for a refund of the prepaid amount.
it was been 5 days and crickets, no response.

What should I do?

FYI: I paid the amount via american express.

Goal33
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Re: Credit Card Charge - refund

Post by Goal33 » Wed Nov 06, 2019 9:50 am

Dispute the charge
A man with one watch always knows what time it is; a man with two watches is never sure.

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jeffyscott
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Re: Credit Card Charge - refund

Post by jeffyscott » Wed Nov 06, 2019 10:51 am

You have 60 days to dispute, so need to be in too much hurry to go that route.

I would maybe contact them in a way that you will be able to document, such as via email and tell them if the charges are not refunded, you will be filing a dispute.
Time is your friend; impulse is your enemy. - John C. Bogle

Jags4186
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Re: Credit Card Charge - refund

Post by Jags4186 » Wed Nov 06, 2019 10:54 am

jeffyscott wrote:
Wed Nov 06, 2019 10:51 am
You have 60 days to dispute, so need to be in too much hurry to go that route.
Amex doesn’t have a time limit on when to file a dispute. Visa is 540 days. However, you’ll likely want to file a dispute before the bill is due.

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jeffyscott
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Re: Credit Card Charge - refund

Post by jeffyscott » Wed Nov 06, 2019 11:02 am

Jags4186 wrote:
Wed Nov 06, 2019 10:54 am
jeffyscott wrote:
Wed Nov 06, 2019 10:51 am
You have 60 days to dispute, so need to be in too much hurry to go that route.
Amex doesn’t have a time limit on when to file a dispute. Visa is 540 days. However, you’ll likely want to file a dispute before the bill is due.
Are you sure?

I did find that Amex limits it to 120 days, "except for these dispute categories: 1. Goods/services not received. 2. Goods/services returned/canceled. 3. Redisputes. In these instances, the time frame can extend slightly". The OP would appear to be under 1 or 2, not sure what "slightly" means, but seems likely it does not mean time frame extends to infinity :wink: .

https://www.americanexpress.com/us/merc ... putes.html
Time is your friend; impulse is your enemy. - John C. Bogle

Jags4186
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Re: Credit Card Charge - refund

Post by Jags4186 » Wed Nov 06, 2019 11:04 am

jeffyscott wrote:
Wed Nov 06, 2019 11:02 am
Jags4186 wrote:
Wed Nov 06, 2019 10:54 am
jeffyscott wrote:
Wed Nov 06, 2019 10:51 am
You have 60 days to dispute, so need to be in too much hurry to go that route.
Amex doesn’t have a time limit on when to file a dispute. Visa is 540 days. However, you’ll likely want to file a dispute before the bill is due.
Are you sure?

I did find that Amex limits it to 120 days, "except for these dispute categories: 1. Goods/services not received. 2. Goods/services returned/canceled. 3. Redisputes. In these instances, the time frame can extend slightly". The OP would appear to be under 1 or 2, not sure what "slightly" means, but seems likely it does not mean time frame extends to infinity :wink: .

https://www.americanexpress.com/us/merc ... putes.html
That is the business/merchant side of the business, not the US consumer card business.

https://chargebacks911.com/knowledge-ba ... me-limits/

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jeffyscott
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Re: Credit Card Charge - refund

Post by jeffyscott » Wed Nov 06, 2019 12:10 pm

Jags4186 wrote:
Wed Nov 06, 2019 11:04 am
jeffyscott wrote:
Wed Nov 06, 2019 11:02 am
Jags4186 wrote:
Wed Nov 06, 2019 10:54 am
jeffyscott wrote:
Wed Nov 06, 2019 10:51 am
You have 60 days to dispute, so need to be in too much hurry to go that route.
Amex doesn’t have a time limit on when to file a dispute. Visa is 540 days. However, you’ll likely want to file a dispute before the bill is due.
Are you sure?

I did find that Amex limits it to 120 days, "except for these dispute categories: 1. Goods/services not received. 2. Goods/services returned/canceled. 3. Redisputes. In these instances, the time frame can extend slightly". The OP would appear to be under 1 or 2, not sure what "slightly" means, but seems likely it does not mean time frame extends to infinity :wink: .

https://www.americanexpress.com/us/merc ... putes.html
That is the business/merchant side of the business, not the US consumer card business.

https://chargebacks911.com/knowledge-ba ... me-limits/
I don't know, but it is possible that your link is not giving the current info? My link says they recently changed and I don't see how they could tell merchants that their customer has 120 days and then tell the customer that there is no limit.

In any case, anyone who wants a definitive answer can maybe log on Amex account for that. It doesn't matters for this situation, OP has plenty of time and no reason to wait even 30 days.
Time is your friend; impulse is your enemy. - John C. Bogle

Topic Author
stockrex
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Re: Credit Card Charge - refund

Post by stockrex » Thu Nov 07, 2019 10:18 am

I will go ahead and dispute it.

which category do I pick?

1. Good and service not received
2. Good and services returned/cancelled

I never availed their services or signed the contract or started any work with them. This was an advanced payment.

Gardener
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Re: Credit Card Charge - refund

Post by Gardener » Thu Nov 07, 2019 1:53 pm

I would think it would fall under #2.

HomeStretch
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Re: Credit Card Charge - refund

Post by HomeStretch » Thu Nov 07, 2019 2:19 pm

Dispute the charge with AMEX by calling or online. In the future, never pay in advance of an executed agreement.

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Stinky
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Re: Credit Card Charge - refund

Post by Stinky » Thu Nov 07, 2019 4:40 pm

stockrex wrote:
Thu Nov 07, 2019 10:18 am
I will go ahead and dispute it.

which category do I pick?

1. Good and service not received
2. Good and services returned/cancelled

I never availed their services or signed the contract or started any work with them. This was an advanced payment.
I would call it #2.

Also, as another poster said, write a strong message to the vendor to document your dispute of the charge.
It's a GREAT day to be alive - Travis Tritt

Topic Author
stockrex
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Joined: Sat Mar 09, 2019 6:28 pm

Re: Credit Card Charge - refund

Post by stockrex » Fri Nov 08, 2019 9:29 am

Done, I did an online dispute then called Amex to make sure I did it correctly.

Yes, I sent the vendor an email asking for the status of the refund. I did ask 2x already for the refund in emails.

Yes, lesson learned, never paying anything without a full review of contract first.

Topic Author
stockrex
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Re: Credit Card Charge - refund

Post by stockrex » Mon Nov 11, 2019 8:42 am

Thursday I disputed the charge with amex, spoke to rep on phone to explain that it was a prepayment and no good/services have been exchanged.
Sunday morning, I was refunded the $$$ with a sob story that the owner was out of town, hence the delay.
Lesson learned, never again.

Thanks!

student
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Re: Credit Card Charge - refund

Post by student » Mon Nov 11, 2019 9:28 am

Thanks for the update.

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Stinky
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Re: Credit Card Charge - refund

Post by Stinky » Mon Nov 11, 2019 9:48 am

stockrex wrote:
Mon Nov 11, 2019 8:42 am
Thursday I disputed the charge with amex, spoke to rep on phone to explain that it was a prepayment and no good/services have been exchanged.
Sunday morning, I was refunded the $$$ with a sob story that the owner was out of town, hence the delay.
Lesson learned, never again.

Thanks!
Congratulations on getting it resolved.
It's a GREAT day to be alive - Travis Tritt

Helo80
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Re: Credit Card Charge - refund

Post by Helo80 » Mon Nov 11, 2019 10:18 am

jeffyscott wrote:
Wed Nov 06, 2019 10:51 am
You have 60 days to dispute, so need to be in too much hurry to go that route.

If I'm not mistaken, timing becomes a little different when you're dealing with services.

E.g. You buy $50 widget at Abc.com, they never ship it... they run away.... you have 60 days. You pre-pay a 1 year gym membership and 4 months into it, they shut down overnight and offer no alternatives... I think the timing for disputes is the full length of the contract.

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