I called Discover and said I wanted to dispute a charge, gave the date of the order and the merchant name, explained it was an order for a computer that was supposed to ship some months after I ordered it but never arrived and that I had tried to contact the merchant to request a refund but had been denied. That was it, I wasn't too specific about the date it was supposed to arrive. They did ask why I waited so long to dispute it, and I explained it was an order for an item that hadn't been released yet, but that the date of it's release had come and gone with no product arriving. They didn't need any additonial info.
This triggered a dispute in PayPal almost immediately with the description "Item never arrived", in the details it said "We're reviewing this chargeback and we'll contact you if we need more information. You don't need to do anything further at this time". Opened it on June 30th, didn't hear anything from Discover or PayPal, case closed in my favor July 16th.
I did exactley the same with Mastercard yesterday. Waiting for them to get back to me. Will be keeping you guys informed...
OK, Just got my Reply from mastercard. Since it´s been more than 120 day´s, they can´t do anything about it. They suggested to open a Claim with Paypal.
my amex card was way more then 120 days and they jumped right on the fraud/dispute stuff...mainly for non-delivery and also imho because I paid 30% down
on a paypal product and the association of my amex cc protection and then alpha said I had to pay the remaining 70% via no paypal or cc and via unsecured
method...that again imho p/o amex big time...still can't find out what they did/said to alpha to get my refund (may not have done anything and alpha missed
the 2nd deadline at 30 days rather then the first deadline at 45 days (on this bill they sent on 44th day)
..which they responded to with a bill looking like the 30% was a full payment...thus I lost
dispute #1 ..made another with the above info won that dispute)..so heck call someone else up try to make another dispute..see how it goes with a different
angle
I'd really push it and see how mastercard treats fraud..yell for some higher ups in the food chain there but the regular reps...if they somehow let you get a hold of fraud
dept just offer to make a dispute to give them info...even if they won't take your claim..you may get lucky if they see the merchant TOS with them has
been violated....etc
but again point out that others (me) an amex customer it was like more then 5 months and that amex found fraud on the part of the merchant in that alpha allowed
me to pay 30% down with cc option and promise of remaining payment the same way
but then will not refund you unless you send them unsecured funds for the missed date vaporware equipment and
you feel it is extortion..they get the last 70% via there way or the highway or you take a 30% loss
..again ..amex got on this because it was in i think amex view a front end vaporware scam that they looked by association to be
a part of the fraud....freaked them out a little in case other folks used this method of looking legit with paypal and amex then bolting for the hills
if YOU HAVE to as a last resort go thru paypal..1) say you want to report fraud..detail it all out to the rep alpha's tale of woe and games they play
make them forward it to the fraud dept..if they agree...(they did with BFL but told me after 12 months past from my order to call them again...this
was at 7months or some such...went no place in my case)
2) the fraud dept will PHONE YOU UP or not..if yes you have a place to vent and perhaps get them to refund anyway....after you do that you can
do this next step but you have to (maybe?) go thru fraud dept first not sure...but anyway
IF THAT DON"T WORK...your last chance is to ask to contact someone on the PAYPAL EXECUTIVE COMMITTEE it may be hard to get an email and such
but place an emphasis that this is one going fraud with paypal and cc companies looking complicit in the front up $$$ protected then boom not protected
on last 70% etc.. you could get lucky or not...
SOME people back in nov/dec 2013 when BFL offered NO refunds or anytihing....got this done by going before the 9 individuals on this paypal executive
after it hit bitcontalk imho the comittee got overwhelmed..did not matter anyway with the mad rush
at that point BFL changed banks etc to block paypal from getting any more $$$ or so I was told by paypal back at the time I tried this nov/dec 2013..
ie I would have gotten $$ thru this paypal exec committee but no more funds BFL could access or so I was told (probably by accident she maybe
should not have told me) but paypal could get no more $$ out of BFL at that point in time (man was i pissed soooooo close missed it by a couple days)
there is an old bitcointalk on it someplace here I think..and the crushing disappointment when the tap went dry
(i did eventually get a refund by luck...probation hearings on BFL employees and the class action suit on a monarch upgrade ..but that was just dumb luck)
anyway find out if you have equiv executive committee type stuff with master card .they got to have a fraud dept ...work that angle I can't see
master card or paypal putting up with vaporware sales of 30% down and no secured method to pay the last 70% or you lose it all....I mean come on
alpha does not even post its phone number anymore! If not well you can vent and at least know you did the good fight (i gave up after dec 2013 on
bfl got a refund another way...but felt better I tried even when I was sure (and still am) that hell would freeze over before a BFL refund..needless to say
I now think of hell as a quite pretty winter wonderland as a result
good luck these are at least angles I've tried (did not work) but hey...wtf do you have to lose>?
Anyway all I have hope it helps .....
Searing