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Comment by ThrustVectoring | Hacker News Reader

That's when you contact your bank and issue a chargeback.

I've noted that people quickly advise others to issue a chargeback as a resort to "win" against a company that has supposedly "wronged" them, even in cases where the company fulfilled its contractual obligations and no fraud whatsoever was committed. Here's a word of advice: do not issue a chargeback against any company you ever want to do business with in the future.

While this is arguably less a problem with WalMart - issuing a chargeback won't get you banned from their physical stores - a chargeback is especially something be avoided with every vendor where you have an "account" of some sorts, except if you don't care about being banned (permanently).

The examples are numerous. Issuing a chargeback against car rental companies can put you on their DNR (Do Not Rent) list[0]. Issuing a chargeback against Amazon may result in a permanent ban (including loss of access to your Kindle library and even your AWS account)[1]. Issuing a chargeback against Sony for a purchase over PSN may get you banned from PSN[2].

[0] https://www.flyertalk.com/forum/hertz-gold-plus-rewards/1897...

[1] http://bricksetforum.com/discussion/comment/159184/#Comment_...

[2] https://www.reddit.com/r/PS4/comments/2ivsz3/beware_if_you_s...

That's good information to be aware of, but chargebacks should never be the first recourse, and often at the point in time when the consumer is pursuing a chargeback, they likely want nothing more to do with the offending company, anyways.

Can't they simply point to the policy, which you agreed to, and contest the chargeback? It's not a magic policy to get your money back because you are unhappy.

This. This should be a more common practice for bad customer experience, as long as it's not done for fraudulent reasons.

Just so people understand:

> Holders of credit cards issued in the United States are afforded reversal rights by Regulation Z of the Truth in Lending Act. United States debit card holders are guaranteed reversal rights by Regulation E of the Electronic Fund Transfer Act. Similar rights extend globally, pursuant to the rules established by the corresponding card association or bank network.

https://en.wikipedia.org/wiki/Chargeback

Point being, chargeback isn't a service banks can stop providing if people start using it. It's written into the laws.

I assume if you start abusing it (trying to get things for free) then your bank will drop you as a cardholder.

No only that. I had what i thought legitimate card fraud but the problem was my card wasnt stolen and even worse - the chip was used and transaction was on the card. Eventually they got my money back via chargeback process but i found out later it was family-related fraud. Point being for 90 days my score went 10 ponts down and the credit card record was annotaded with message about this questionable chargeback. they could not believe it was true fraud.

That's unfortunate, and why we should have chip + PIN, not just chip.

I would be concerned about it hurting your credit score.

I should have done this.

Honestly, it never even crossed my mind to ask for a chargeback.

The number of times that I've had issues over the years is pretty small. For example, I think I've had two issues w/ Amazon over the years, and both times, they've fallen all over themselves trying to help. I think one time, they shipped me the wrong item, and they told me to just keep it and they would ship the correct item.

Service difference between the 2 vendors was like day and night.

Yea and amazon can resolve the issue without even having to talk to a human. The only time I have talked to an amazon employee was via email after I requested access to an ec2 instance(which felt weird, I wasn’t sure why it was so “exclusive” that I had to request access. Do they say no?)

Not too late to do a chargeback if they still haven’t refunded you. And will send some sort of signal in walmart’s internal systems. Companies track chargebacks.

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