Re:“Sonicwall products are not returnable”
by Silhouette on Friday September 09, 2016 @02:40PM
(#12464934)
You can dispute a charge on a debit card the same as on a credit card. Just say the merchandise was not what you ordered and you attempted to return it and they wouldn't take it back.
But in this case, it sounds like the merchandise was what was ordered, it's just that the order was a mistake.
Disputing that on the basis you gave would be unethical at best, and quite possibly a violation of both the buyer's card agreement and the law as well.
Re:“Sonicwall products are not returnable”
by Johnny555 on Friday September 09, 2016 @05:30PM
(#12466199)
A credit card charge-back doesn't leave the buyer off the hook for the merchandise, it just means he gets the money back on his credit card. If the merchant believes the money is still owed, he is free to pursue the buyer directly for any amount charged back, they can bill you and if you don't pay, send your account to collections or sue in small claims court.
They will suddenly want to get it back, and most likely will not argue against the dispute.
The rules are pretty clear on this stuff from Visa and Mastercard-- retailers are on the hook. With the kind of fraud they deal with ,being able to actually get the item back from the customer is a good thing for them.
Their return policy is asinine and counter productive. Maybe they think that so many customers will just eat the charge it is worth it.
But I would highly doubt you will lose your dispute (unless your bank is terrible.)
I have disputed various things over the years, when running into bad merchants. Only once has the dispute not gone in my favor -- and I no longer do business with that bank (Wells Fargo, it was a particularly egregious situation too. Over a $60 dispute they have lost $400 a year in revenue.)