couriers-mile:

couriers-mile:

I am not advising anyone of anything or speaking on behalf of any company, you didn’t hear this from me, and with that said: if you paid for a product like a fancy canvas bag from Bethesda and you did not receive a product that matched the description of what you were promised, and the company will not refund you, you have the right as a customer and as a cardholder to contact your bank and dispute the charge on your account through the bank to get your money back that way.

Typically you have 4 months from the date you received the merchandise to dispute its quality.

Just saying.

I’m sure because processing chargeback evidence is what I do at my job, hence the disclaimer at the top of my post. I’m not speaking on behalf of my company, this is me in my off hours telling y’all little known publicly available information about bank disputes. I found references for you from a Google search. Here’s an article about Visa chargeback timeframes, the relevant reason code is 13.3 – MasterCard rules are the same and can be found here, but MasterCard uses the code 4853 for these types of disputes.

That’s a lot of industry-specific information but the short version is:

You should definitely do it as soon as possible, but I added that timeframe information for people who might be worried it’s too late to do anything about it because they pre-ordered and paid a long time ago – under the major payment brand rules for chargebacks coded “not as described/defective,” they can be initiated up to 120 days after the delivery date of the merchandise. In the case of delayed delivery, like pre-orders, the first day of your 120 day timeframe to dispute the charges starts from the day the merch was delivered, not the date you ordered/paid for it.

If it’s past 120 days it will be denied by default for exceeding time frames though so if you’re planning on disputing the charge don’t sit on it.