Merchant Won CC Dispute

[Anonymous]

Will one dispute, either lost or won, have a lasting impact with an CC issuer?  Probably not. That said, as with everything in life, I find disputes to be a matter of picking your battles. In this instance, the park IS still providing service and I would bet that by way of purchasing the season pass(es) that you agreed to terms and conditions that protected the park in matters such as this. CC disputes will generally be ineffective for instances that are simply poor customer service or as a result of terms and conditions of the purchase that you simply disagree with. 

Out of curiosity , how much was the charge you disputed?  Which credit card company was it?

[Anonymous]

I disputed a $150+ charge with Citi. After researching the merchant I think had the dispute been in my favor I might have still been sent to collections by the company. It was a very gray area because of the terms and conditions combined with the what was advertised versus what I purchased.

Per my recent phone call with Citi they said they automatically ruled in favor of merchant because the merchant responded but that doesn't mean the dispute is over. I just have to respond to the merchants response. Like I said either drop the dispute or I win and the company pursues alternative collection means.

I called Citi and accepted responsibility for the charge although I disagreed with it I didn't want the hassle of it. As a courtesy they said the merchant still receives their full payment but for my trouble Citi will pay a portion of the charges which was roughly crediting me back about 75% of what I paid on Citi's dime.

[Anonymous]

Wow, thats not a bad resolution in your favor thanks to Citi's intervention. I expected you to end up eating 100% of the expense when I started reading from the top of thread

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@Anonymous wrote:

I disputed a $150+ charge with Citi. After researching the merchant I think had the dispute been in my favor I might have still been sent to collections by the company. It was a very gray area because of the terms and conditions combined with the what was advertised versus what I purchased.

Per my recent phone call with Citi they said they automatically ruled in favor of merchant because the merchant responded but that doesn't mean the dispute is over. I just have to respond to the merchants response. Like I said either drop the dispute or I win and the company pursues alternative collection means.

I called Citi and accepted responsibility for the charge although I disagreed with it I didn't want the hassle of it. As a courtesy they said the merchant still receives their full payment but for my trouble Citi will pay a portion of the charges which was roughly crediting me back about 75% of what I paid on Citi's dime.

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[coldfusion]

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@Anonymous wrote:

Wow, thats not a bad resolution in your favor thanks to Citi's intervention. I expected you to end up eating 100% of the expense when I started reading from the top of thread

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@Anonymous wrote:

I disputed a $150+ charge with Citi. After researching the merchant I think had the dispute been in my favor I might have still been sent to collections by the company. It was a very gray area because of the terms and conditions combined with the what was advertised versus what I purchased.

Per my recent phone call with Citi they said they automatically ruled in favor of merchant because the merchant responded but that doesn't mean the dispute is over. I just have to respond to the merchants response. Like I said either drop the dispute or I win and the company pursues alternative collection means.

I called Citi and accepted responsibility for the charge although I disagreed with it I didn't want the hassle of it. As a courtesy they said the merchant still receives their full payment but for my trouble Citi will pay a portion of the charges which was roughly crediting me back about 75% of what I paid on Citi's dime.

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That isn't always the case, if you have a demonstrated track record of being a good client issuers will sometimes just eat the cost themselves as a customer satisfaction gesture.   It's just a well you don't want to make a habit of trying to draw from. 

I've done similar with Chase before where they immediately credited me the entire disputed amount without first engaging the merchant.