Seeking Advice on a Credit Card Dispute with Discover/PayPal
SpinFadeSplash23
Posts: 909 ✭✭✭
Hello,
Looking for some guidance on a transaction that has gone sideways pretty quickly.
Does anybody have experience with credit disputes involving Discover/PayPal?
In short, I lost the dispute with Discover because they do not have proof that I returned the item to the seller. I was advised not to return the item to this dishonest seller until I was directed to by my credit card company. The seller sold me a fraudulent card, cut all communication and I didn't feel comfortable returning the item until directed to do so.
Right now, Discover said if I can provide 1) Documentation from an expert the item is fake and 2) Return shipping via Certified Mail, that they would "consider" reopening the dispute.
Do I need to hire an attorney?
Thanks,
Joe
Joe
IG: goatcollectibles23
The biggest lesson I've learned in this hobby, and in life, is that if you have a strong conviction, you owe it to yourself to see it through. Don't sell yourself, or your investments, short. Unless the facts change. Then sell it all.
IG: goatcollectibles23
The biggest lesson I've learned in this hobby, and in life, is that if you have a strong conviction, you owe it to yourself to see it through. Don't sell yourself, or your investments, short. Unless the facts change. Then sell it all.
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Comments
why did you go to discover first and not thru PayPal? please say you didn’t fnf.
Not sure who advised you to hold on to the card and submit a chargeback, that was bad advice. You shouldn’t ever win a chargeback if you still have the item, first step is to return or attempt to return.
Next step would have been PayPal, and then Discover. Almost impossible to lose a case if you follow that process.
So my advice is document the item well and get it back to the seller. Then paypal, followed by Discover.
1st step is paypal, last chance is credit card company.
When I called Discover, that rep suggested the dispute. I didn't know otherwise as I've never done a dispute befiore. No, it was not F &F.
IG: goatcollectibles23
The biggest lesson I've learned in this hobby, and in life, is that if you have a strong conviction, you owe it to yourself to see it through. Don't sell yourself, or your investments, short. Unless the facts change. Then sell it all.
Appreciate your advice. Lesson learned and I will try my best to turn the situation around. Thank you.
IG: goatcollectibles23
The biggest lesson I've learned in this hobby, and in life, is that if you have a strong conviction, you owe it to yourself to see it through. Don't sell yourself, or your investments, short. Unless the facts change. Then sell it all.
Lesson learned.
IG: goatcollectibles23
The biggest lesson I've learned in this hobby, and in life, is that if you have a strong conviction, you owe it to yourself to see it through. Don't sell yourself, or your investments, short. Unless the facts change. Then sell it all.
I don’t know, but I would try opening the dispute thru PayPal now, immediately.
they will require you to send it back. which you should. you will never win a dispute w anyone by keeping the merchandise ever. nor should you.
ship it back w tracking and signature confirmation. retain this info.
Good luck! I am in the payments business so have some experience with this. Discover made a commitment to cover you in these instances so hold them to that promise and escalate as high as you need to go.
Let's go one step further back to make sure you are on the right path now..... How did you end up purchasing this item from the seller? On eBay or over email (thus the paypal payment). If it was eBay, then you'd FIRST open a dispute there.
By the way, didn't you know it does NOT pay to Discover !
I am going through something like this right now. I bought a card on ebay, which after sending to PSA, fount was not authentic. Since it was past 30 days, I opened claim with PayPal. I even offered to take half the price back and just keep the fake card. I got half back from PayPal but no response still from seller. I contacted PayPal again and they said send card back with tracking information for PayPal. They said as soon as they have confirmation of delivery, they would refund the remainder of money. It was not a whole lot of money, but the principle of the whole thing.
Pretty nuts that the CC company would do this. I would suggest:
1) Opening cases via all other available mechanisms (PP, etc.) immediately.
2) Getting a new credit card company. My recommendation in terms of customer friendliness / likelihood to support you in future disputes is American Express. I believe this opinion is widely held.
3) Depending on the value of the item, consider getting police involved.
op never mentioned ebay. but any purchase dispute needs to be worked from the top down.
never go directly to the bank/cc first. you waste 2 lifelines and avenues for resolution.
but yea, discover was a joke in my mind before this. if they actually told you to "hold on" to the card and gave you assurances you'd be refunded, then why didn't they just resolve your claim right then and there? something isn't quite adding up, imo.
After speaking to 6 different Discover reps, there is definitely a range from useless to barely useful. I believe I am on the road to a full refund now. Appreciate all your insight.
IG: goatcollectibles23
The biggest lesson I've learned in this hobby, and in life, is that if you have a strong conviction, you owe it to yourself to see it through. Don't sell yourself, or your investments, short. Unless the facts change. Then sell it all.
but you still havent reached out to paypal yet?
why “think” instead of “know”?
Good to hear, be very persistent!
You didn’t follow the correct procedures but keep fighting and they will know you are in the right.
Scammers always try to disappear with the money.
this is true. they also magically reappear when the money gets yanked outta their account. which is exactly what paypal would do simply by just opening a case. if they remain silent, you win. if they surface, call them out and ship it back, you win.