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61 votes
Accepted

Money transfer scam

I think you're overthinking it. They are likely nowhere near you and they don't actually want any puppies or the hassle of coming in person. The likely way it works is: they wire you the money and ...
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  • 21.7k
60 votes

I received a refund when I did not return the item, and they won't reverse the refund? At what point is that considered "my money"?

The check is from your credit card company. Whose ever the money is, it is certainly not the credit card company's, and they know that. This is why they cut the check to you. You should definitely ...
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51 votes
Accepted

What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer?

When you initiate a chargeback, the merchant has the right to dispute the chargeback. If they can provide proof that the purchase actually took place, the chargeback will fail. We don't know all the ...
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47 votes

How should I handle money returned for a product that I did not return?

In my opinion, you've done more than you need to do. Some would argue that you didn't need to do anything at all. It wasn't your fault that payment was reversed and it is the job of the seller to ...
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  • 7,022
46 votes
Accepted

What can I do when a vendor will only refund to the same card I used if I have cancelled that card?

This happened to me a few months ago. I received a statement in the mail from the bank who issued the card that showed a credit. They did not send a check to me proactively but after contacting them ...
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  • 3,203
33 votes

Receiving a product after getting a refund

Contact the company and let them know you have received the product even though the cancellation was made. Ask them if they want you to ship it back (this implies that they pay for shipping since it ...
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  • 6,454
29 votes

Money transfer scam

There is actually a popular Paypal scam that operates differently from Vicky's answer. They will send you ask you for your Paypal email, and send you an email invoice from a site that looks like ...
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20 votes

What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer?

So, what's the point of a charge-back, if they simply take the word of the merchant? tl;dr: They don't. As both a merchant and a consumer I have been on both ends of credit card chargebacks, and ...
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  • 45.2k
20 votes
Accepted

Why does it take so long to refund to credit card?

It's not usually apparent to the average consumer, but there's actually two stages to collecting a payment, and two ways to undo it. The particular combination that occurs may lead to long refund ...
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  • 2,062
20 votes

Why would a bank refund appear as a debit on my billing statement?

I'm assuming this is a credit card/credit line/loan account because that's the context in which it makes sense. You pay your statement balance, then your account is credited due to a refund. This ...
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  • 62.9k
17 votes

Two names on US tax refund, filed as 'single'

The percent sign stands for "C/O", which means "Care Of." Care Of is just a part of a mailing address when you are addressing a letter to someone at someone else's house. With windowed envelopes, the ...
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15 votes

Receiving a product after getting a refund

I doubt its worth the company's time to try to get anything from you forcibly(through legal means or otherwise) after they messed up as described here. That being said, you did end up with items you '...
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  • 4,017
14 votes

Can a refund be reversed?

Stores are not required to give refunds. They do it as a gesture of good will toward their customers, and can refuse any return for any reason. That having been said, they did accept the jacket as a ...
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14 votes

How should I handle money returned for a product that I did not return?

I basically agree with gaefan, you've done more than you need to. I would say that contacting the company should be enough. But there is one thing missing in that answer, thus I'm writing this as a ...
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  • 1,029
13 votes

What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer?

The point of a chargeback is to force merchants to do the paperwork. Many merchants don't, and are easy targets for chargebacks, even when they have, in fact, provided the good or service. You used ...
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  • 5,833
10 votes

Refund for medical services never performed

You agreed to the terms that when you cancelled you would be refunded as a gift card. You cancelled. You got a refund as a gift card. Exactly as stated in the terms. You are surprised by this. Yes of ...
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  • 29.9k
10 votes

If you buy something with one credit card, and refund it to another, do you get to keep the points/cashback/etc from the purchase?

The reason why the store & credit card companies want to credit the refund to the same card is: To stop people from getting around the points rules. To stop fraud where you weren't the person who ...
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10 votes

What can I do when a vendor will only refund to the same card I used if I have cancelled that card?

In the UK at least, one of two things will happen: The receiving bank will contact you and ask how you wish to receive the credit. Possibly less a small administration fee. If the bank has a ...
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9 votes

Buy at least three at a lower price?

There is no universal answer. Every company is free to set their own terms. Check the fine print or contact the company. Usually, companies are smart enough to avoid those situations. For example, ...
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  • 2,232
9 votes

Why would a bank refund appear as a debit on my billing statement?

When talking about a checking account, a deposit is a credit and a withdrawal is a debit. That leads many to think a credit to mean "add to the account" and a debit to mean "take ...
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  • 4,243
8 votes
Accepted

How to get my money back from the Police?

I can think of a couple of options for you. One would be to write a letter to Acting Garda Commissioner Ó Cualáin, the head of the Garda Síochána. The address of headquarters is An Garda Síochána ...
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8 votes

Receiving a product after getting a refund

There are a few different angles to this. Firstly, morally and legally you certainly should inform the company of the situation and offer to pay the 200EUR you ordered the two items at. The question ...
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8 votes

Buy at least three at a lower price?

Depends on the store and conditions for the discount. As an example the grocery store occasionally has sales like this and require return of all products for a refund. For example, if 12 packs of Coke ...
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  • 2,027
7 votes

Money transfer scam

They don't care about the product (puppy). The scam is this: They send you money. Your bank accepts it. They ask for part of the money back. Either they overpaid you somehow, or they send you ...
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7 votes

Money transfer scam

I have experienced this scam (but not fallen for it) when I sold my old car. The "buyer" says they will pay for the shipping. They send you payment in a form that can be reversed. They then say that ...
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  • 200
7 votes

I received a refund when I did not return the item, and they won't reverse the refund? At what point is that considered "my money"?

The money NEVER becomes your money. It has been paid to you in error. Your best response is to write to the company who has paid you in error and tell them that for the responsibilty and subsequent ...
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7 votes
Accepted

E-shopping, the store refunds less money, how act?

Your simplest option, and probably the only reasonable one, is to dispute the original charge with your bank. Since you used a debit card and not a credit card, you don't have quite as much ...
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  • 34.6k
7 votes

US VAT refund, can it be claimed at a later date?

There's no VAT in the US. What you paid was "sales tax". It is not refundable to foreigners. You were unaware that you could claim it at the airport - because you couldn't, cannot and will not be able ...
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  • 127k
7 votes

What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer?

You may be using the wrong method to get your money back. As others have said, this is not a valid use for chargeback; that is when a fraudulent charge occurred, or when a merchant charges you ...
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  • 34.6k
6 votes
Accepted

Are United States Payroll taxes refunded?

Payroll taxes are taxes on the employer, not on the employee. They're not refunded unless there was a mistake of some kind, and if they are - they're refunded to the employer. Refund on your 1040 ...
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  • 127k

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