05-17-2013 04:24 AM
It's really weird. You should try calling Barclays again and talk to a different rep. Maybe it's just confusing because its a software and generally software isn't refundable anywhere regardless of where you buy it.
I asked to be transferred to a supervisor, and he got on the phone and pretty much reiteritated that this is part of their dispute process for this particular type of merchant. He said they do this because "they are not experts" (his exact words), so they need something in official letterhead from a reputable company in the same or related field that backs my claim.
On another forum, someone said that they ordered a tablet from a deal site using a Barclays card. The item was delivered in a condition way less than described in the item listing. They disputed with Barclays, sent in pics, documentation, etc. Barclays still wanted them to get another merchant to back their claim. They had to go pay a local computer shop to look at it and verify their claims. They ultimately won the dispute this way, but they had to put out a little more money.
All in all, I will probably just take this as a $99 lesson not to use the Barclays card again.
wow. this just really sucks.
I am so sorry to hear about this.
Even Citi, which is known for terrible CSRs, was a painless and seamless experience for me when I had to file a dispute for a payment I made on a DEBIT card. I figured it was going to be a nightmare because 1. its a debit card 2. its Citi, but they really came through and make the whole process easy and simple. All it required was 1 phone call, then filling in a form and faxing it back, and done.
I guess I'll just use my Barclays card for stuff I know I absolutely won't return or have problems with, and use my Chase / Wells Fargo / Citi / Discover for those. Then again to be honest, I don't use my Barclays card much.
By the way, anyone have any claims/disputes experience with US Bank?
05-17-2013 06:16 AM
05-17-2013 07:36 AM
Good insight. The one thing I usually do is read the merchant rules on chargebacks to ascertain additional insight. I remember BofA asking me for documentation as a condition of processing the dispute however after reviewing the Visa USA chargeback guidelines, I discovered that I didn't have to prove anything. I sent a note to BofA explaining that per Visa rules no proof was needed, and the case was closed in my favor within a week.
05-17-2013 08:16 AM
This is a good reason to use American Express for purchases. Their merchant agreement covers chargeback policies for defective merchandise.
I'm sorry for the hassle you experienced OP!
05-17-2013 08:33 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.