What if your credit card company does not back you up on a problem purchase?
Who can you make an official complaint to?
I bought a discounted cell phone from Google, the phone was defective. Sent it in and received a replacement that was also bad. Google would not give me a refund "because I did not have the original phone to return". I sent phone #2 back to the address phone #1 went to.
My CC company told me they only go off of email trails, and that telephone conversations with the seller do not count. I have all the shipping and tracking documents, and would like to make an official complaint.
-c1steve
May 03, 2024, 04:39 PM
parabellum
IIRC, in the Terms and Conditions for some of these cards, there are provisions for third-party arbitration.
I could be wrong about this.
May 03, 2024, 04:44 PM
HRK
Yep, write a note to them, copies of documents, mail it, email it. They should have a dispute resolution desk.
May 03, 2024, 05:23 PM
bendable
My discover card told me I was s.o.l.
Safety, Situational Awareness and proficiency.
Neck Ties, Hats and ammo brass, Never ,ever touch'em w/o asking first
May 03, 2024, 06:48 PM
Fenris
Ask Google's AI. It will know what you should do.
God Bless and Protect our Beloved President, Donald John Trump.
May 03, 2024, 07:39 PM
downtownv
Take them to small claims court big companies usually don't want their names dragged through the courts like that.
What if your credit card company does not back you up on a problem purchase?
If they won't when they should have, call them, get a live person on the horn* and tell them you're closing the account and why. Then be ready to back it up.
*The last credit card I closed out was, somewhat surprisingly, able to be done entirely through the automated system.This message has been edited. Last edited by: egregore,
May 03, 2024, 09:49 PM
Ronin1069
I “think” there is another thread about this somewhere, but I got so frustrated with credit cards telling me to pound-sand that I exclusively use either an Amex or my Apple Card. Both have gone above and beyond to assist me with issues and I could write a book about the last 2 months with two issues that Amex has helped me with that I KNOW other cards would have given up on.
___________________________ All it takes...is all you got. ____________________________ For those who have fought for it, Freedom has a flavor the protected will never know
ΜΟΛΩΝ ΛΑΒΕ
May 03, 2024, 10:42 PM
irreverent
I agree with Amex being good about this. Apple was awful when I tried to resolve a dispute, from trying to get a live person to speak, to actual resolution. They sucked.
__________________________
"Trust, but verify."
May 04, 2024, 12:27 AM
Rey HRH
I don’t recall having any significant problems disputing credit card charges but I, too, believe in AmEx’s customer service in terms of siding with their customers. When I am making an “iffy” purchase, I use AmEx. And I don’t remember how I got to feel that way.
And I think their stance is because their customers is what drives their volume as opposed to Visa and Mastercard where the vendors have an equal say in their volume.
"It did not really matter what we expected from life, but rather what life expected from us. We needed to stop asking about the meaning of life, and instead to think of ourselves as those who were being questioned by life – daily and hourly. Our answer must consist not in talk and meditation, but in right action and in right conduct. Life ultimately means taking the responsibility to find the right answer to its problems and to fulfill the tasks which it constantly sets for each individual." Viktor Frankl, Man's Search for Meaning, 1946.
May 04, 2024, 04:46 AM
frayedends
quote:
Originally posted by Fenris: Ask Google's AI. It will know what you should do.
The answer from Chat GPT (free version)...
In this situation, you have a few options for making an official complaint:
Better Business Bureau (BBB): You can file a complaint with the BBB, detailing your experience with Google's customer service and the issues you faced with the defective phones. The BBB acts as a mediator between consumers and businesses to resolve disputes.
Federal Trade Commission (FTC): The FTC is responsible for protecting consumers and preventing fraudulent, deceptive, and unfair business practices. You can file a complaint with the FTC online, providing all relevant details about your experience.
Consumer Financial Protection Bureau (CFPB): While primarily focused on financial matters, the CFPB also handles complaints related to consumer products and services. You can submit a complaint online through their website.
State Attorney General's Office: Depending on where you live, you can also file a complaint with your state's Attorney General's Office. They may investigate complaints of deceptive business practices or failure to honor warranties. Google Customer Support: Before escalating the complaint, it's worth trying to resolve the issue directly with Google once more, perhaps through written communication like email. Sometimes escalating within the company can lead to a resolution.
When filing a complaint, make sure to include all relevant documentation, such as shipping and tracking documents, correspondence with Google, and any other evidence that supports your case. This will help the relevant authority to assess your complaint effectively.
These go to eleven.
May 04, 2024, 04:56 AM
henryaz
quote:
Originally posted by irreverent: Apple was awful when I tried to resolve a dispute, from trying to get a live person to speak, to actual resolution. They sucked.
Apple: let me transfer you to a Goldman Sachs Apple Card Specialist GSACS: let me transfer you to an Apple Apple Pay specialist Apple: let me transfer you to a Goldman..........
When in doubt, mumble
May 04, 2024, 06:42 AM
Ronin1069
Re: Apple
Agreed. Near impossible to reach someone on the phone; I’ve had my best success interacting with them via text chat.
Re: Amex
More often than not I get someone who has a pretty thick Indian accent…the difference being, they actually know what they are doing and will get you to the right person (usually non-accented) if they realize they are not able to help.
___________________________ All it takes...is all you got. ____________________________ For those who have fought for it, Freedom has a flavor the protected will never know
ΜΟΛΩΝ ΛΑΒΕ
May 04, 2024, 07:15 AM
gpbst3
I get credit cards have some pretty nice benefits but at what point is it not their problem. The issue is between you and Google.
If you paid cash for the phone what would be your options? Small claims court is where you need to be.
May 04, 2024, 10:39 AM
c1steve
quote:
Originally posted by frayedends:
quote:
Originally posted by Fenris: Ask Google's AI. It will know what you should do.
The answer from Chat GPT (free version)...
In this situation, you have a few options for making an official complaint:
Better Business Bureau (BBB): You can file a complaint with the BBB, detailing your experience with Google's customer service and the issues you faced with the defective phones. The BBB acts as a mediator between consumers and businesses to resolve disputes.
Federal Trade Commission (FTC): The FTC is responsible for protecting consumers and preventing fraudulent, deceptive, and unfair business practices. You can file a complaint with the FTC online, providing all relevant details about your experience.
Consumer Financial Protection Bureau (CFPB): While primarily focused on financial matters, the CFPB also handles complaints related to consumer products and services. You can submit a complaint online through their website.
State Attorney General's Office: Depending on where you live, you can also file a complaint with your state's Attorney General's Office. They may investigate complaints of deceptive business practices or failure to honor warranties. Google Customer Support: Before escalating the complaint, it's worth trying to resolve the issue directly with Google once more, perhaps through written communication like email. Sometimes escalating within the company can lead to a resolution.
When filing a complaint, make sure to include all relevant documentation, such as shipping and tracking documents, correspondence with Google, and any other evidence that supports your case. This will help the relevant authority to assess your complaint effectively.
This looks like a good approach. I did speak to a Capital One person over the telephone, but did not get far.