Did you know, that if any shifty merchant ever places an illegitimate charge on your credit card, it is your consumer right to dispute the charge with your credit card company? All you have to do is dial the toll-free customer service number on the back of your credit card and tell a service representative that you wish to place a particular charge in dispute.
Your credit card company will investigate your claim. If your credit card company determines the shifty merchant has unjustly charged your card, your credit card company has the power to recover your money from the shifty merchant in the form of a chargeback. In a chargeback, money is taken from the merchant (often along with penalties) and refunded back to your credit card account. In summary, the shifty merchant loses your money and you get it back like nothing ever happened.
If a shifty DVD-by-mail company places illegitimate charges your credit card, consider opening a dispute through your credit card company. You might just find you have the magical ability to turn back time.
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3 comments:
I and thousands of other dissatisfied Netflix customers have filed complaints with Netflix about receiving a $1.00 charge to my credit card without notice or warning on a giftcard subscription. I do not want nor did i ever agree to allow Netflix to obtain my credit card accessed during giftcard subscription fulfillment. In keeping wit my previous statement, Netflix did so fraudulently and should receive class action legal action for doing so, due to the size of its customer base, especially giftcard customers. Fraudulenty accessing $1.00 multiplied times thousands of customers gives Netflix illegal and unauthorized access to members' cash for a certain number of for which it claims to be "checking" on the viability of customer credit/debit cards and until it credits the $1.00 amount back to its customers. I will issuing a press release that includes the above from this feedback submission that will be released to the business media from my publishing company on 2/16/09 and will include testimonials of other dissatisfied clients of Netflix.
Dear Allen:
The Netflix Undergrounders will be interested in this story. Please post your press release here.
-- Netflix Underground
This is exactly why I didn't redeem my gift subscription my friend bought me. I'm skeptical when anyone requires my credit card information with no legitimate reason to have it. It went a little something like this:
"I understand your concern, but unfortunately, we need your credit card information on file so we can be reimbursed in the unlikely event you don't return a disc."
"I understand your concern, but if you're really that worried about it, don't send me discs. I'll stream it all and the problem is solved."
"I understand your concern, but unfortunately, it is our policy to require all members to have credit card information on file."
"What's your credit card information."
"Sir, I'm not going to give you my credit card information."
"Why not? I'm not going to run it. It's just, unfortunately, my policy to have it on file in the unlikely event you cause me a liability."
"There is no legitimate reason for you to have my credit card."
"Think about that."
*Click*
Earlier, I had demanded that he reimburse the friend who bought it, and he wanted me to give him my friend's credit card info. How low do they stoop? And how am I supposed to have my friend's credit card info?
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