Author Topic: Disputing a charge (Read 5716 times)

DMYD · « **on:** April 23, 2014, 04:35:37 PM »

Did a favor for someone and let him use my card for a few thousand $$$ but now it doesn't look like he is in a rush to pay, should I or can I dispute the charge if I have to go that direction?

chucksterace · « **Reply #1 on:** April 23, 2014, 04:40:50 PM »

You can't dispute that. Its not the banks fault..

Please read this thread - PSA: Don't swipe recklessly for others

DMYD · « **Reply #2 on:** April 23, 2014, 05:01:08 PM »

Quote from: chucksterace on April 23, 2014, 04:40:50 PM

You can't dispute that. Its not the banks fault..

Please read this thread - PSA: Don't swipe recklessly for others

If he used my card with my name the store shouldn't have let it through.

CountValentine · « **Reply #3 on:** April 23, 2014, 05:04:30 PM »

Quote from: Dav on April 23, 2014, 05:01:08 PM

If he used my card with my name the store shouldn't have let it through.

...and when they ask how did he get the card your answer will be?

sky121 · « **Reply #4 on:** April 23, 2014, 05:09:36 PM »

Do you want the guy to be charged with stealing your CC etc?

SearchGuy · « **Reply #5 on:** April 23, 2014, 05:39:32 PM »

Quote from: sky121 on April 23, 2014, 05:09:36 PM

Do you want the guy to be charged with stealing your CC etc?

Why? he has the option to borrow money and pay!

Moshe123 · « **Reply #6 on:** April 23, 2014, 06:08:29 PM »

Tell him that you are in the process of starting a dispute. Should be enough.

DMYD · « **Reply #7 on:** April 23, 2014, 08:09:07 PM »

Quote from: Moshe123 on April 23, 2014, 06:08:29 PM

Tell him that you are in the process of starting a dispute. Should be enough.

Told Him that! that if I don't have the money by a certain day, I am going to dispute it!

elikay · « **Reply #8 on:** April 23, 2014, 08:20:45 PM »

BTW the store loses money on such a scenario, what did that do wrong?

Name Changed · « **Reply #9 on:** April 23, 2014, 09:26:50 PM »

Quote from: elikay on April 23, 2014, 08:20:45 PM

BTW the store loses money on such a scenario, what did that do wrong?

+1

It would not be honest to dispute the charge, especially that you let him swipe.

yoshi · « **Reply #10 on:** April 23, 2014, 09:31:20 PM »

But if they know who swiped it illegally. They then claim it off him no?

notanonymous · « **Reply #11 on:** April 23, 2014, 09:37:22 PM »

Quote from: Dav on April 23, 2014, 05:01:08 PM

If he used my card with my name the store shouldn't have let it through.

Curious - One store or multiple? Online or B&M?

DMYD · « **Reply #12 on:** April 23, 2014, 10:34:19 PM »

Quote from: notanonymous on April 23, 2014, 09:37:22 PM

Curious - One store or multiple? Online or B&M?

multiple stores in the City

notanonymous · « **Reply #13 on:** April 23, 2014, 10:36:03 PM »

Quote from: Dav on April 23, 2014, 10:34:19 PM

multiple stores in the City

I wonder if the cc would be willing to follow through with the dispute without a police report.

DMYD · « **Reply #14 on:** April 23, 2014, 10:45:23 PM »

Quote from: notanonymous on April 23, 2014, 10:36:03 PM

I wonder if the cc would be willing to follow through with the dispute without a police report.

What your saying whenever someone disputes a charge he needs a police report?

bubbles · « **Reply #15 on:** April 23, 2014, 11:22:36 PM »

Quote from: Dav on April 23, 2014, 05:01:08 PM

If he used my card with my name the store shouldn't have let it through.

That's seriously what you're going with? That's your grounds for a dispute? Is that what you will tell the cc company?

YOSEF · « **Reply #16 on:** April 23, 2014, 11:27:20 PM »

Quote from: Dav on April 23, 2014, 05:01:08 PM

If he used my card with my name the store shouldn't have let it through.

So you're claiming he committed fraud.

Hmmmm... Ok.

And by giving him the card, you were an accessory.

Super Speed · « **Reply #17 on:** April 23, 2014, 11:36:35 PM »

This doesn't sound straight. You lent a guy your card and you got screwed. Period.I feel bad but you can't do much from the CC end of things.

Moishebatchy · « **Reply #18 on:** April 23, 2014, 11:38:23 PM »

Quote from: Dav on April 23, 2014, 05:01:08 PM

If he used my card with my name the store shouldn't have let it through.

Whiskey. Tango. Foxtrot?!

Quote from: bubbles on April 23, 2014, 11:22:36 PM

That's seriously what you're going with? That's your grounds for a dispute? Is that what you will tell the cc company?

+1

Just because you have $#!+ for brains, that's not the merchant's fault. It's yours, and now you have to deal with it.

It's one thing if the merchant collaborated with this guy - for example, if this guy went to his friend's store and said "I got this guy's CC; swipe a few grand on it and gimme cash"; but here, the merchant is perfectly innocent. Don't forget, besides for clawing back the money from the merchant, the banks also slap him with fees, and "black marks" on his account. Why should HE have to suffer for YOUR indiscretion?!

CountValentine · « **Reply #19 on:** April 24, 2014, 12:35:06 AM »

If you tell the CC company you gave him the card you will most likely lose the dispute. If a card is properly signed a merchant should not ask for an ID.