Quote:
Originally posted by playa
i just hate the banks that never tell their customer to contact the merchant first, credits are alot easier done than chargebacks,
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I also work for Visa, and I ALWAYS tell clients to contact the merchant first. I will go as far as to find the damn phone number for them in the yellow pages. Because most of the time, by doing that, it's much easier for them to get their money credited, instead of waiting for the sales draft (if there is any) to come from the merchants bank, then for us to send it to the cardholder and then for the cardholder to send the dispute letter back to us signed, confirming the charge is not theirs and THEN finally for us to process a chargeback.
There are a lot of people who call in and right off the bat say 'this isn't mine!!' when i ask them 'so, you've never done business with this place or heard of this merchant?' .... 'NEVER!' they'll answer.
Sometimes it's real sketchy. I had one guy call me once about a charge maybe 2 months old. He said 'this is not my charge, i havent a clue what it is and I'd like to dispute it' He basically has NO IDEA what this is...he's completely innocent to this mysterious charge on his account. So i looked into the file and found that the investigation process was already taking place. After looking at the merchant code, I found out it was an escort company. I told him this and he yelled 'i am a happily married man!!!!! etc...' After doing a little more research, I found out that Mr. Smartass had already written us in a letter about this charge. It went a little something like this:
'I called this company back in January, they sent me a package. When i purchased the actual product, it was not what i had expected and i was not pleased with the service...'bla bla bla. So i came back and told him 'Sir, you've already written to us about this, if you need us to look into this you need to be completely honest with me now and tell me what happened because i have that letter you wrote us RIGHT IN FRONT OF ME.' he responsed with a very angry 'are you calling me a LIAR YOUNG LADY?!?!!?'
'no ! *laugh* sir, i have the letter right in front of me!!!!!' it was a ridiculous conversation. Fine with me if you completely deny the charge, but stick to your lie. SHEESH!!