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Found 2 results

  1. I screwed up big time. This dispute was my first time ever to dispute. I didn't even know I could do one until told by Paypal rep. Story: I bought an expensive electronic item online a while back using Paypal as payment. It was shipped to me a lot later than promised initially. There were multiple payments involved as well. I got the item 2 months ago and the item failed soon after arrival. I called the merchant to ask for a refund but they wouldn't let me. I also sent the merchant an email asking for one but they still won't let me returned the item. I didn't contact the merchant at all afterward. I called in to Paypal to see what they can do but they wouldn't help me because I was out of the time period. Instead they told me to go through my CC provider, which is Chase. I called Chase to dispute the charges created from that item. I recieved their letter to submit information. I felt overwhelmed with the whole situation and so I pushed it from my mind and forgot all about the letter (I'm working on alleviating this serious personal flaw). I went on vacation Dec 14, 2013 and got back Dec 31, 2013. I picked up all my mail then and I am pretty sure I see any mail from Chase. I got my mail Saturday, 01/04/14, and put it on my table where I usually put mail. I then looked at the mail on the table and I saw a letter from Chase and immediately opened it. It told me I lost my dispute. After a period of berating myself about this whole situation (I'm still pissed at myself; I'm such an salamander), I did some research to see what my options are at this point. It seems I have 10 days from the day I receive the letter to appeal. The envelope has a red Pitney Bowes ink stamp dated December 24, 2013. Letter was dated December 23, 2013. I'm pretty certain the letter is from the mail I brought in on Saturday. I want to appeal the decision, however the letter didn't say anything about that process. I assume that I can still appeal? Assuming I can appeal, based on the envelope date, I am afraid that I somehow missed the 10 day window for the appeal. However, I recall that the previous letter from Chase also had a huge lag time between letter date and when it got to me. Do I have 10 days from Saturday? I plan to send in my appeal by certified mail ASAP after compiling the information. What should I do to maximize my chance of success in this appeal process? Should I send pictures to help in the appeal? Should I also find someone to write a letter to certify that the product is broken? Thank you for your help.
  2. I have had a credit card with navy federal credit union for 7 years my limit is 6k. It is time to renew it because it expires this month and they are refusing to renew it because my credit score has dropped. The card is almost maxed out right now which is bad. I have had 2 late pays in those 7 years and it was just recently. I have had car loans and other small loans with them that I have paid in full and on time. This is my longest running CC if they close it it will just hurt my credit more. Is there anything I can do?? I tried appealing once but they are so caught up on my score they denied the appeal.

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