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Regular Contributor
sammyfire2001
Posts: 227
Registered: ‎03-12-2008
0

Chase dispute and Amazon purchase

So, I made an amazon purchase on my Chase Freedom card and I received the item totally damaged with missing parts.  I've been talking to the seller about returning the item for a refund and doesn't look like he's going to give me one.  So, I think I want to dispute the charge with Chase.  Is this possible and is it difficult to do?
As of Jan 2009: EX - 659 EQ - 666 TU - 681

As of 2/13/09: EX - 648 (My last EX Fico)
Valued Contributor
usmc58555
Posts: 1,673
Registered: ‎02-18-2009
0

Re: Chase dispute and Amazon purchase

You should have no issue with the dispute, but..you should really do an A-Z claim with Amazon. Amazon takes customer service issue with thei rsellers very seriously.

 

If you have waited so long that the timeframe has lapsed, then do the dispute with chase.


Remember, retailers can cancel your accounts/ability to buy if you just dispute transactions without proper cause.

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Valued Contributor
Guardian
Posts: 1,148
Registered: ‎04-23-2008
0

Re: Chase dispute and Amazon purchase

Agreed, dispute it through Amazon first and this might never become an issue for you to dispute directly with Chase, BUT keep in mind you have 90 days from the date of the posted charge to dispute it, so as long as you are within that limit, you can always do it. Just try it through Amazon, keep an eye on the timeline, and if its resolved then great, but if not then within your 90 go ahead and place the dispute with Chase.

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Contributor
reots
Posts: 107
Registered: ‎12-05-2008
0

Re: Chase dispute and Amazon purchase

Don't ever dispute with a credit card if you have other options still available. They do keep track of it 
Mar 09 Fico EQ 773 Fico TU 712 FROZEN Fako EX 699
Feb 09 Fico EQ 749 Fako TU 667 FROZEN Fako EX 676
Mega Contributor
Creditaddict
Posts: 19,525
Registered: ‎10-23-2007
0

Re: Chase dispute and Amazon purchase

MY Usbank only gives 60 days. so be careful thinking you have 90 days.

but do the A-Z claim first, amazon is GREAT about things like that, you should not have any problems. 

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
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Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
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Valued Contributor
Guardian
Posts: 1,148
Registered: ‎04-23-2008
0

Re: Chase dispute and Amazon purchase


Creditaddict wrote:

MY Usbank only gives 60 days. so be careful thinking you have 90 days.

but do the A-Z claim first, amazon is GREAT about things like that, you should not have any problems. 


Do you mind if I ask, is your card a Visa? I know that 90 days is an established and well documented statute by MasterCard but I have heard that Visa has more vague statute on that and so some creditors will use that to establish their own as long as they respect the legally required minimum of 60 days, so you might very well be correct on that. I apologize for not making that clear, the 90 days is guaranteed on MC but on Visa its debatable. Thanks for that, I should have made it more clear.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Mega Contributor
Creditaddict
Posts: 19,525
Registered: ‎10-23-2007
0

Re: Chase dispute and Amazon purchase

Visa.

Maybe that's why when I had a problem once at 65 days, USBank still took it and I ended up winning!

I have never been happier with a credit card, it was a $2000 charge and they gave me back interest for the 6 months that it took to settle the claim, so I got back about $2700!!! 

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Valued Contributor
Guardian
Posts: 1,148
Registered: ‎04-23-2008
0

Re: Chase dispute and Amazon purchase


Creditaddict wrote:

Visa.

Maybe that's why when I had a problem once at 65 days, USBank still took it and I ended up winning!

I have never been happier with a credit card, it was a $2000 charge and they gave me back interest for the 6 months that it took to settle the claim, so I got back about $2700!!! 


That's what I thought, yesum :smileytongue: that's probably why they did and won, legally they can take it up to the 90 day mark and still make their case, even if they normally don't or prefer not to. Yes they are very good at protecting their customers, one reason I love them and recommend them, they are a great bank.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800



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