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  1. Right, by engaging in unprovoked name-calling and childish tantrums 🤔 Thanks for the reply. I hear what you're saying, and others have expressed a similar sentiment, but it would appear that the merchant doesn't have a leg to stand on. They cannot furnish evidence that they provided the services they took payment for and they failed to make their case or contest that claim in the dispute process, which they agree to adhere to in the contract they sign with the card networks. This is essentially a false debt. The FDCPA appears to outline consumer protections from the collection of false debt. My question is, is there anything short of filing suit that would compel the merchant to drop a claim it has tacitly admitted has no merit?
  2. Needlessly rude and juvenile. Sounds like the owner of a forum should know better than to clutter threads with useless non-comments. Clown behavior. Sorry if this offends; it's clear you're very sensitive about this subject.
  3. Thank you for the reply. Without getting too specific, this was in the health services sector. Pre-payment was required to book the appointment. I reviewed the terms and conditions from the provider that were included with the original statement and there is minimal detail on the payment and refund policy. There are no terms to the effect of "all sales are final" or anything like that. And to clarify, this wasn't a case of the merchant providing services that the customer was unhappy with. They failed to provide them at all.
  4. What a fatuous contribution to the thread. We'll wait for someone useful will come along and provide an actual explanation as to what the merchant's case would be that supersedes the terms they agree to with the card networks and financial institutions.
  5. That's the part I get a bit hung up on. I agree that the dispute process is not a binding or legal decision, but don't these merchants agree to abide by certain terms with the banks and credit card companies they do business with that clearly outline the dispute resolution process? If they send it to collections there's laws and regulatory agency directives that they're bound to follow. And if it goes to court they'd be presented with the evidence that they didn't contest the dispute, or agreed with it, and/or failed to avail themselves of their prearbitration/aribration/representment options. So what would their case be, exactly? If they felt the dispute was resolved incorrectly their agreement with the card networks outline their recourse. They could do a representment or bring the case to arbitration. Simply generating a new bill and acting like nothing happened isn't--as far as I'm aware--part of any defined process.
  6. Long story short, happy to provide details if needed, but a few months ago I disputed two charges (which were paid a month before the dispute was initiated) with a merchant totaling $486.14 for services that were ultimately never rendered. I tried for several weeks to contact the merchant who did not respond. It was at that point that I initiated the dispute to obtain a refund with my credit card company (Chase). Over the course of the next 2 months I received two notices from Chase saying "we're pleased to tell you that we've resolved your dispute...we've credited your account for the full disputed dollar amount." Now, a month after the last notice the merchant sends me a bill for $486.14. I talk to the merchant's billing department who says they have no record of my payment. I send them the email receipts and credit card statements showing I paid the amount on those dates, thinking this is just a billing glitch. They get back to me and say I can disregard the bill and they'll sort it out in 10-15 days. Then I get another message from the same person who says "Both payments were disputed by you to your card company and therefore both payments were voided and not posted to your account....blah blah blah." And then they go back to not replying to my emails or calls. Monday morning I get another bill in the mail from them saying payment is due. This to me seems very weasel-ish. I did not dispute the payments, I disputed the charges that I paid. It seems like a too-cute way of getting around a charge dispute they lost fair and square. Makes you wonder if every bitter merchant will go down this path. I talked to Chase and the people on the phone seemed surprised by this whole saga. They said once the dispute is resolved that's it, and they couldn't recall this happening before. They said if it goes to collections I can show the collections agency the dispute resolution letter but I'd rather resolve this before it gets to that point and I have to deal with credit reporting agencies. Has anyone here dealt with this kind of thing? Any advice or is it a lost cause once it goes to collections?
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