Merchant Won CC Dispute

[Anonymous]

I disputed theme park season passes and my CC company said they ruled in the merchants favor UNLESS I respond to the letter the CC company sends me. The theme park company is very aggressive with collections looking at internet searches so I am thinking I will just accept defeat and pay the charge to avoid any hassle down the road. Because even if I win I think they will pursue collection through other means. Is that the right way of thinking?

Is there any way I negatively affected myself by opening a credit card dispute that I lost?

[Brian_Earl_Spilner]

The credit card will have comments that there was a dispute, on your credit report. Not a big deal unless an application goes to manual review.

Curious why you disputed season passes, though. 

[BmoreBull]

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@Brian_Earl_Spilner wrote:

The credit card will have comments that there was a dispute, on your credit report. Not a big deal unless an application goes to manual review.

Curious why you disputed season passes, though. 

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My guess is he bought them pre covid and hasn't been able to use any of the benefits of having them. A lot of the theme parks are still shut down. 

[Brian_Earl_Spilner]

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@BmoreBull wrote:

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@Brian_Earl_Spilner wrote:

The credit card will have comments that there was a dispute, on your credit report. Not a big deal unless an application goes to manual review.

Curious why you disputed season passes, though. 

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My guess is he bought them pre covid and hasn't been able to use any of the benefits of having them. A lot of the theme parks are still shut down. 

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All of the big parks have paused or cancelled existing passes. For people that have prepaid, the dates have been extended. Smaller parks that are still charging should be extending the expiration. Not exactly grounds for dispute.

[Anonymous]

They are offering 2021 season pass time to counter the closures in 2020.

I can't enjoy the park wearing a mask in 100F temps but that's not my argument here.

My biggest argument is that I didn't want a 2021 season pass. I bought as advertised a 2020 season pass that was advertised to open in March advertising unlimited visits. They only opened end of late June and visits must be scheduled. Which is not what I purchased.

I bought a product/service as advertised and something else was given instead. The theme park has a strict no refund policy under any circumstance and is not working with anyone. I will not be a patron of them in the future regardless of the outcome of the dispute.

[K-in-Boston]

As long as there is not a large history of disputes found in the merchant's favor on the account, you should be fine as far as credit and your relationship with the issuer.  Some issuers will note that the account is being disputed while a chargeback is being investigated, and if so that note will go away after the next statement reporting after the chargeback complaint has been closed. 

As for the dispute itself, the park did deliver the product you purchased allowing you entrance on all days that they are open in the 2020 season, so there was basis for the dispute as far as your card issuer was concerned.  The no refund policy is quite standard among parks, but most parks have extended the courtesy of granting additional time to use passes as seems to be the case with the one you purchased.

[Brian_Earl_Spilner]

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@Anonymous wrote:

They are offering 2021 season pass time to counter the closures in 2020.

I can't enjoy the park wearing a mask in 100F temps but that's not my argument here.

My biggest argument is that I didn't want a 2021 season pass. I bought as advertised a 2020 season pass that was advertised to open in March advertising unlimited visits. They only opened end of late June and visits must be scheduled. Which is not what I purchased.

I bought a product/service as advertised and something else was given instead. The theme park has a strict no refund policy under any circumstance and is not working with anyone. I will not be a patron of them in the future regardless of the outcome of the dispute.

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I can understand getting annoyed with the scheduling part, the way I look at it is, as long as I can go on the days I want, as many times as needed to offset the cost, no harm, no foul. Now, if one or both of those become a problem, I'll put on my Karen wig.

[Anonymous]

I had no plans to go to the park in 2021 so I don't want their substitute for the service I purchased. The calendar on their page said they opened in March. We have another local theme park (in the state) that gave customers options, including refunds.

That theme park will have my future business instead.

[Anonymous]

I agree you did not get what you paid for and I agree you have a ground for a successful dispute. no I don’t see how they can go after you other than trying to sue you and I don’t see that happening.

[Anonymous]

And by the way you must at least communicate with the merchant to show that you tried to resolve it and give them an opportunity to resolve it before the CCC steps in. That’s why you got to respond to the letter.