topic Re: Won a chargeback dispute, but now I'm being billed directly by the business in General Credit Topics

Won a chargeback dispute, but now I'm being billed directly by the business

Repo-ed — Tue, 26 Apr 2016 14:12:37 GMT

I reserved a car through hotwire.com and used my amex to pay the bill (I've done this 100x before). Payless overcharged me by $31, to which I disputed successfully via Amex. Payless rental has now sent me a bill for the disputed amount and threatned collections treatment if not paid upon reciept of letter.

I'm trying to get ahold of Amex, because apparently in their agreement with Payless, they do not hold a clause that stops companies from billing Amex customers directly after a successful chargeback dispute.

I've contacted Payless and their stellar Customer Service could not care anyless. I wouldn't if I was paid their wage, either.

I'm ready to cancel all 3 Amex cards and 45k in CL over this.

Re: Won a chargeback dispute, but now I'm being billed directly by the business

RobertEG — Tue, 26 Apr 2016 16:55:54 GMT

You have a billing-related issue on a revolviing line of credit.

You can file a disptue with the creditor under the Fair Credit Billing Act, which has stringent dispute requirements.

Be sure to file within the FCBA time period.

Re: Won a chargeback dispute, but now I'm being billed directly by the business

Repo-ed — Tue, 26 Apr 2016 17:00:48 GMT

@RobertEG wrote:
You have a billing-related issue on a revolviing line of credit.
You can file a disptue with the creditor under the Fair Credit Billing Act, which has stringent dispute requirements.
Be sure to file within the FCBA time period.

The creditor being the merchant and not my credit card issuer, correct?

PS, thanks for the information.

Re: Won a chargeback dispute, but now I'm being billed directly by the business

Appleman — Tue, 26 Apr 2016 18:25:25 GMT

Personally, I would pay the $31 and ensure nothing goes to collections. I understand the principle of not paying the charge, but it quickly becomes a losing proposition on the consumer end and costin you a ton more once all is said and done.

That being said, once I pay it I am going to blow up social media with my objective side of my story. Also, they no longer get my business.

Re: Won a chargeback dispute, but now I'm being billed directly by the business

RobertEG — Tue, 26 Apr 2016 18:29:09 GMT

The creditor is the credit card company that has billed you.

During an FCBA dispute, they cannot send to collections.

Re: Won a chargeback dispute, but now I'm being billed directly by the business

Repo-ed — Wed, 27 Apr 2016 14:38:34 GMT

@RobertEG wrote:
The creditor is the credit card company that has billed you.
During an FCBA dispute, they cannot send to collections.

The credit card company did not bill me. The merchant that accepted my Amex for payment, did.

They charged more than the reservation amount and I disputed that up-charge, and won.

Amex has since credited my card the disputed amount, but now the merchant has sent me a paperbill directly.

Re: Won a chargeback dispute, but now I'm being billed directly by the business

Repo-ed — Wed, 27 Apr 2016 14:40:01 GMT

@Appleman wrote:
Personally, I would pay the $31 and ensure nothing goes to collections. I understand the principle of not paying the charge, but it quickly becomes a losing proposition on the consumer end and costin you a ton more once all is said and done.

That being said, once I pay it I am going to blow up social media with my objective side of my story. Also, they no longer get my business.

Already done.

While I'm not sure I can (rules) post a yelp link to the payless rental location, I found yesterday that I'm FAR and away not the only person getting this treatment day in/out. This is their business practice, and business seems to be good.

google payless rental westshore tampa, if you're bored.

Re: Won a chargeback dispute, but now I'm being billed directly by the business

Discover2016 — Wed, 27 Apr 2016 22:50:13 GMT

Wow, I have never heard of them, at first I thought you meant the shoe people, wow they have terrible service.

Re: Won a chargeback dispute, but now I'm being billed directly by the business

Anonymous — Sun, 01 May 2016 03:55:56 GMT

not worth destroying your credit over $31..... pay it and chalk it up to using a company called "payless" ;-)

Re: Won a chargeback dispute, but now I'm being billed directly by the business

datrucking210 — Sun, 01 May 2016 15:44:34 GMT

And I wouldn't close the Amex cards just for this incident. I think they did their part in crediting your account, now Payless don't do business with this type of company.