Mar 29 2017, 10:56 AM
QUOTE(kawa_e @ Mar 8 2017, 10:54 PM)
Wanted to ask, if you are a customer and you bought smtg more than 10k somewhere around (eg July) and you would like to file a dispute with the bank that you did not receive any items. Should this be done immediately or you have a plenty of time to do so becoz the bank would still entertain this case ?
Scam scenerio
July : Buyer (scammer) bought rm10k worth of items online using cc. His orders went through Succesfully (verified by marketplace). Seller did cod and sent his orders within a week (but without proof of collection by buyer eg: siggy, ic,etc )
Dec : seller being informed that buyer has filed dispute that he nvr received any items from cod. Rm10k was charged bk to seller.
My question :
seller being informed of this dispute in dec but not immediately (perhaps august, a month after he realised he did not receive any items from seller?) the gap between july and dec is far too long for the buyer to file this dispute. I wonder if the buyer really reported in aug but the bank took 3-4 months to inform the seller ? Or the bank accepts dispute regardless how long (180 days-365 days) as long as the buyer claimed he never received the items ??
I only know about Visa, but i believe MC and AMEX is generally the same.Scam scenerio
July : Buyer (scammer) bought rm10k worth of items online using cc. His orders went through Succesfully (verified by marketplace). Seller did cod and sent his orders within a week (but without proof of collection by buyer eg: siggy, ic,etc )
Dec : seller being informed that buyer has filed dispute that he nvr received any items from cod. Rm10k was charged bk to seller.
My question :
seller being informed of this dispute in dec but not immediately (perhaps august, a month after he realised he did not receive any items from seller?) the gap between july and dec is far too long for the buyer to file this dispute. I wonder if the buyer really reported in aug but the bank took 3-4 months to inform the seller ? Or the bank accepts dispute regardless how long (180 days-365 days) as long as the buyer claimed he never received the items ??
For item did not receive, the timeframe is 120 calendar day from the date of purchase made. However, for things like pre-order or items that requires long lead time, the time frame can change to 120 days from date of expected delivery or 120 days from the day card holder aware of the item could not be fulfilled.
So for your question, it depends on the item that seller is selling. If it is, lets say a bread, then seller can dispute as it passed 120 days and is unreasonable to wait for ~5 months to file dispute. But if it is something that requires long lead time, then yes, buyer can definitely ask for charge back.
But lost a charged back dispute doesnt mean the seller lost the case, and all item / money is gone. It just means that buyer keep item without paying. Something like a bounced cheque. So in this case, seller can proceed with court case to get back the money.
This post has been edited by Pebbie: Mar 29 2017, 10:59 AM
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