should i file a chargeback?

[red259]

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@MyLoFICO wrote:

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@Anonymous wrote:
OP, I would do a chargeback first. No need to waste more time with this. Just my opinion

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Hahaha!!  VIGILANTE JUSTICE! 

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Get the pitchforks and torches ready. The village is about to revolt!

[Anonymous]

If the service you receive/ didn't receive was less than optimal, the banks would have no problem with a chargeback. I was sent defective items multiple times and filed a chargeback before I did anything. Then later if the business decides to refund your money, the banks will just take back the money they have given you for the chargeback anyway. Don't see any downsides to this, OP.

[barbaralee]

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@Anonymous wrote:
OP, I would do a chargeback first. No need to waste more time with this. Just my opinion

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Visa and Mastercard REQUIRE that you make a good faith effort with the merchant. 

[MyLoFICO]

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@barbaralee wrote:

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@Anonymous wrote:
OP, I would do a chargeback first. No need to waste more time with this. Just my opinion

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Visa and Mastercard REQUIRE that you make a good faith effort with the merchant. 

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That is what the pitchforks and torches are for. 

[barbaralee]

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@Anonymous wrote:
If the service you receive/ didn't receive was less than optimal, the banks would have no problem with a chargeback. I was sent defective items multiple times and filed a chargeback before I did anything. Then later if the business decides to refund your money, the banks will just take back the money they have you for the chargeback anyway. Don't see any downsides to this, OP.

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That is a defective item. That is totally different.

The consumer is not the one who "files a chargeback". They initiate a dispute. If the amount is low enough then the bank may just write it off. Ta da! No chargeback necessary. Several steps are taken before the actual chargeback. 

I do debit card disputes, and I would decline this on the spot. Services were rendered. But credit cards may be different, and it's always worth  a shot, imo. 

One of our chargeback specialists had the same thing happen with Midas. After going back and forth with the merchant she went ahead and submitted a dispute with Chase, knowing full well there was a strong chance she would get declined. I never followed up with her what happened, though.

If a dispute is sent to me with no good faith effort:

First I get highly annoyed with the rep who went ahead and took the dispute, thus wasting all of our times. 

Then I send a letter telling them to try to work it out with the merchant, and get back to me with the results. Either which way, there is a good chance you will have to talk to the merchant. 

[Callandra]

From someone who used to work for an online business, why not just try to work it out first? Why does everyone jump to doing a chargeback? 

And the garage will have a receipt and records that they worked on your car. You are most likely to lose and if you lose, you lose. The merchant is less likely to help you as well as they get hit with a chargeback fee and it takes payroll to respond to a chargeback. 

[barbaralee]

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@Callandra wrote:

From someone who used to work for an online business, why not just try to work it out first? Why does everyone jump to doing a chargeback? 

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I know, right?? It's a joke in my department how many people have issues with their merchants and their first thought is to run to the bank instead of the merchant. 

 I want to add: You really, really don't want to start a dispute unless you absolutely have to. It is a pain if they actually end up submitting a chargeback and if the merchant represents you have to send in a rebuttal. It ends up being a back and forth, and it can carry on for months. It's a real hassle. 

[Callandra]

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@barbaralee wrote:

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@Callandra wrote:

From someone who used to work for an online business, why not just try to work it out first? Why does everyone jump to doing a chargeback? 

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I know, right?? It's a joke in my department how many people have issues with their merchants and their first thought is to run to the bank instead of the merchant. 

 I want to add: You really, really don't want to start a dispute unless you absolutely have to. It is a pain if they actually end up submitting a chargeback and if the merchant represents you have to send in a rebuttal. It ends up being a back and forth, and it can carry on for months. It's a real hassle. 

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Haha, I can just imagine the ridiculousness of some of the "disputes." 

Yeah, some disputes go on forever. We had one that started in July and didn't close until March because the other side kept dragging it out. 

[Anonymous]

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@Anonymous wrote:

took my car in for service, they were suppose to do an oil change and 20 other things (fluids, wipers, battery check).  battery died a week after service, wiper blades still sound like a nails on a chalk board.  I was suppose to get a write up of everything they checked and values (i.e. tire thread is 9/32, etc.), i didn't get this write up, when i asked they said they couldn't find it.  only thing on receipt that they did was an oil change, but charged me for the full service.

thinking of getting the car serviced at another dealership and i'll make sure they check everything and provide write up.

long story short, i never filed a chargeback with my credit card.  it's obvious the first dealership missed checking a bunch of things.  will the receipt (write up) from the second dealership help me win?

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Having a few companies that accept payment via credit cards I might be able to shed some light on this subject. To help determine if you could win a chargeback I will need some information.

- Date of service

- What do you have in writing

- Card used

- How long after the first service did you take the car into the second

When filing a chargeback, especially in this case where some service was done, you will need to show proof of what was supposed to be done. If you have this proof and took the car into a second place very shortly after, there is a possibility that you could win.

[Habibimo]

Don't go the charge back route first. Not really gonna do you any good. Here's my experience:
Took my car for oil change. Guy comes back and tell me I need some little sensor replaced and also there is a small oil leak. Quoted me $300 for everything.
I told them to take half payment and give me a receipt, because I'll have to bring my car on my day off( they asked 3 hours to get it done). The day came and they worked on he car. I paid remaining balance with my CSP, and signed the receipts. The guy takes me in the back and tells me that oil change is done, and they also changed the sensor. I asked, what about the leak. And he said well, all this work can't be done just for $300. (Keep in mind, all 3 things were mentioned on the receipt).
Long story short, the manager didn't wanna work it out either and agreed with the first guy. So I called chase and disputed the transaction and sent them all paperwork with the detailed letter explaining the situation. After about 2 weeks I got their response which included the letter from the car shop. It stated that I have signed the receipt, and agreed to pay and now I'm just trying to take their hard earned, legit money away from them. Really? You're gonna lie, straight up, just like that?
May be it really was my mistake for not checking my car before paying. But that was the reason I went that route but didn't do me any good. Oh well, lesson learned. Not to trust everyone.

Ended up paying the whole amount. I tried calling a few times afterwards and made a couple trips to the place to resolve the issue but it went nowhere. By that time I thought it was too late to take it to another place. I thought well, I'm not lying, I'm not doing anybody wrong, just asking them to do right by me, so everything should work. But no. Guess not everybody is honest. Anyways, Got really angry, traded the car for a new one. 

So try to resolve this with dealership first. Members have pointed out some really good points here!