Quote:
Originally Posted by wifi
I have. The credit card company calls the charger, and the charger must agree to reverse the charge. In this case, they didn't want to lose the $$, and I had a choice of ruining my credit, swallowing hard, or hiring a lawyer and paying more than the charge.....
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This is only partially true. If the charge was fraud, you are not liable, period. But you need to prove this, which usually involves matching signatures or a statement from yourself. Merchant loses out. If it is a disagreement of services with the merchant, that takes on a whole new level with many variables.
On a side note, taking fraud out of the picture to give a PSA...... Merchants are responsible for getting you what you paid for. If you order something via mail / internet and it doesnt arrive, arrives broken, or not as described, you can file a claim with your card company ( or ebay/amazon ). Merchants are responsible for getting you what you paid for, as described.
Anything else is unacceptable. Dont ever let a merchant tell you that it isnt their concern because it arrived broken, lost, etc because you didnt pay for insurance, sign something, etc. Insurance is a merchants responsibility and has no direct bearing to a buyers right to receive something they paid for.