topic Re: Should I dispute? in Credit Cards

Should I dispute?

Anonymous — Tue, 13 Sep 2016 19:19:30 GMT

I bought a brand new watch and took it into a jeweler to have the bracelet adjusted because I didn't have my own set of tools. After the service, he just took my watch and slid it across the counter when I went to pick up my item. At home, I noticed that some screw are semi-damaged and there's a scratch on the side of a link. I'm just infuriated. I'd rather not go back and talk it over. Can and should I dispute this?

Re: Should I dispute?

SunriseEarth — Tue, 13 Sep 2016 19:41:24 GMT

IMHO, I think you need to go back to the jeweler and advise them of the damage. This way, you can see if they offer to repair any damage they caused. If they refuse, then you may want to file a BBB complaint. You may want to speak with your CCC to determine what their guidelines are for disputes on services not completed satisfactorily, but after you've taken other steps to resolve.

Re: Should I dispute?

Anonymous — Tue, 13 Sep 2016 19:51:33 GMT

@SunriseEarth wrote:
IMHO, I think you need to go back to the jeweler and advise them of the damage. This way, you can see if they offer to repair any damage they caused. If they refuse, then you may want to file a BBB complaint. You may want to speak with your CCC to determine what their guidelines are for disputes on services not completed satisfactorily, but after you've taken other steps to resolve.

BBB complaint. Lol. It's unless. That's like putting a 1 star review on Yelp.

Go back to store and talk to the owner. Ask if you can get refund for the damage. If owners declines. Then go thru your CC dispute.

Re: Should I dispute?

elim — Tue, 13 Sep 2016 19:54:56 GMT

@Anonymous wrote:
@SunriseEarth wrote:
IMHO, I think you need to go back to the jeweler and advise them of the damage. This way, you can see if they offer to repair any damage they caused. If they refuse, then you may want to file a BBB complaint. You may want to speak with your CCC to determine what their guidelines are for disputes on services not completed satisfactorily, but after you've taken other steps to resolve.
BBB complaint. Lol. It's unless. That's like putting a 1 star review on Yelp.
Go back to store and talk to the owner. Ask if you can get refund for the damage. If owners declines. Then go thru your CC dispute.

If you run an honest business and have a spotless BBB (as i do) then it actually sux to get a complaint. It does matter.

Re: Should I dispute?

Anonymous — Tue, 13 Sep 2016 21:03:49 GMT

@elim wrote:
@Anonymous wrote:
@SunriseEarth wrote:
IMHO, I think you need to go back to the jeweler and advise them of the damage. This way, you can see if they offer to repair any damage they caused. If they refuse, then you may want to file a BBB complaint. You may want to speak with your CCC to determine what their guidelines are for disputes on services not completed satisfactorily, but after you've taken other steps to resolve.
BBB complaint. Lol. It's unless. That's like putting a 1 star review on Yelp.
Go back to store and talk to the owner. Ask if you can get refund for the damage. If owners declines. Then go thru your CC dispute.
If you run an honest business and have a spotless BBB (as i do) then it actually sux to get a complaint. It does matter.

It might matter to the business owner (in which case it is worth a try here) but I doubt whether it impacts consumer behavior very much.

Re: Should I dispute?

Anonymous — Wed, 14 Sep 2016 01:26:24 GMT

@Anonymous wrote:
I bought a brand new watch and took it into a jeweler to have the bracelet adjusted because I didn't have my own set of tools. After the service, he just took my watch and slid it across the counter when I went to pick up my item. At home, I noticed that some screw are semi-damaged and there's a scratch on the side of a link. I'm just infuriated. I'd rather not go back and talk it over. Can and should I dispute this?

I would take the watch to a different jeweler and have a price quoted to get the watch fixed, and then dispute the portion of that cost of the watch.

Re: Should I dispute?

Anonymous — Wed, 14 Sep 2016 06:13:14 GMT

I think talking to the business first is always the correct move. No one is perfect and they deserve to be given a chance to make it right.

Re: Should I dispute?

Anonymous — Wed, 14 Sep 2016 06:47:07 GMT

The issue I see with this situation is that the business owner will mostly likely use the fact that the watch was worn and used, therefor concluding that the scratches/imperfections were already there and there is no way to prove this. As for disputing this, you might come accross difficulty considering you did authorize this transaction. My advice would be to go back and give the business owner the benefit of the doubt and hopefully he is honest and will fix it. Next step would be to talk to the CCC and see what their policy is on unsatisfactory service/damage to goods by business for a transaction that you did authorize. Good luck to you, let us know how this plays out.

Re: Should I dispute?

Creditplz — Wed, 14 Sep 2016 07:32:29 GMT

Go to the repair shop, talk to management/owner and tell them that you're going to dispute the charge if they do not either fix the watch, or offer a massive discount/free of charge, show them the damage.. Tell them you'll dispute it under the basis that the watch was damaged while being serviced!. That way you can write on your dispute that you've already talked to the management at the watch service shop....

It's how I would do it... but choose your route my friend

Re: Should I dispute?

Anonymous — Wed, 14 Sep 2016 08:54:15 GMT

@Anonymous wrote:
The issue I see with this situation is that the business owner will mostly likely use the fact that the watch was worn and used, therefor concluding that the scratches/imperfections were already there and there is no way to prove this. As for disputing this, you might come accross difficulty considering you did authorize this transaction. My advice would be to go back and give the business owner the benefit of the doubt and hopefully he is honest and will fix it. Next step would be to talk to the CCC and see what their policy is on unsatisfactory service/damage to goods by business for a transaction that you did authorize. Good luck to you, let us know how this plays out.

That is incorrect information.

If you look at your credit card statement carefully, you'll see wording that states if you aren't happy with the item you bought, you have a right to return it and get your money back or dispute it. A dispute is an issue with the merchant for an item you actually purchased with your card, but the merchant isn't playing fair game with you.

Unauthorized transactions carry $0 liability with credit cards, no if's, and's, or but's about it and is a completely seperate protection. In the case of fraud or unauthorized transactions the credit card company HAS to side with you, where with a dispute they do not.

Re: Should I dispute?

fltireguy — Wed, 14 Sep 2016 12:42:49 GMT

I would assume that the jewler that you bought it from is also the one that did the repair?

Also, you cannot disoute something that you didnt pay for, i.e., if the watch was damaged during a repair attempt that was not at the time of the original purchase, and there was no charge for the repair, it would be VERY hard to dispute anything!

Re: Should I dispute?

Anonymous — Wed, 14 Sep 2016 14:46:51 GMT

Disputed yesterday and got my full $10 back from capital one. Maybe I should give the jeweler a call now?

Re: Should I dispute?

Anonymous — Thu, 15 Sep 2016 02:44:46 GMT

@fltireguy wrote:
I would assume that the jewler that you bought it from is also the one that did the repair?

Also, you cannot disoute something that you didnt pay for, i.e., if the watch was damaged during a repair attempt that was not at the time of the original purchase, and there was no charge for the repair, it would be VERY hard to dispute anything!

If the seller damaged the watch you purchased, you can dispute it if they break the item.

Re: Should I dispute?

Anonymous — Thu, 15 Sep 2016 04:23:17 GMT

I once had a double charge on my cc from Chase. I think it was with Subway. The CSR didn't even bother with opening a case or contacting the merchant. He just straight up credited me $10 as a 'good will' type of deal. I assume that's what happened here.

Re: Should I dispute?

Anonymous — Thu, 15 Sep 2016 06:48:38 GMT

Does a goodwill credit mean a chargeback happened or no?

Re: Should I dispute?

Anonymous — Thu, 15 Sep 2016 08:46:39 GMT

Did you really just call capital one to have a $10 chargeback placed on a small buisness for some little nicks on your watch? Primarily because you were too chicken to confront the store owner in person or even have the decency to give the owner a call and let them know what happened?

You walked out of the store knowing full well your watch was damaged and made it all the way home. Please don't say you didn't notice until later because everyone with an IQ that isn't in the negative numbers will give an item like a new watch a once over after getting it back and having it slid clear across a counter as you claim.

The problem is now a days people are wholly scared of confrontation and confuse it with combat, instead they take the weasel way out. DI'd you have any clue that when you call for a chargeback the buisness itself is charged a penalty fee ALONG with losing the money from your sale? There's also consequences for the small business after a certain percentage of transactions are charged back. Did you care at all before you called and made that really brave and heroic phone call and own3d that 10 bucks?

Re: Should I dispute?

redpat — Thu, 15 Sep 2016 09:41:18 GMT

@Anonymous wrote:
Disputed yesterday and got my full $10 back from capital one. Maybe I should give the jeweler a call now?

Really $10! And now you go back to the jeweler. Why didn't you go to them first to see if they could fix it?

Wow, this isn't the way to solve problems, shot first then ask questions later.......

RE: Should I dispute

Anonymous — Fri, 16 Sep 2016 00:42:33 GMT

I don't know what happened to my thread but I couldn't respond.

And yes. I've been to the shop before and they did a perfect job on my previous watch, so I gave them the benefit of the doubt that they were going to do a terrific job this time. That was until I decided to check for myself and see the damaged screws and a scratch on the link. It's an Omega watch that cost $3K, so even a screw replacement is like $20. I decided I wouldn't confront them because they'll most likely deny their mistake. And the reason I took it home before I went back is because I wanted to consult myfico before taking action, and then I filed the chargeback.

I went to a different jeweler to resize it once again and the service was top notch. Nothing was damaged this time and they treated my watch with respect.

And yes, I knew full well that they'd get penalized, but I'm happy to get my money back.

Thanks for those who responded previously and didn't attack my decision.

Re: RE: Should I dispute

gdale6 — Fri, 16 Sep 2016 01:05:18 GMT

The thread was closed by a moderator for some reason and as such its not open to continued discussion. I will merge this into the original thread.