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Debt Card and Disputes

Old 07-18-2019, 07:14 AM
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Default Debt Card and Disputes

There is a vendor on this site that is taking orders and not delivering the goods. My order is over 3 weeks old and no response. I figured I would just dispute the charges on my card but as i turns out it is not so easy with a debt card, after all I authorized the transfer, right? I've called my bank twice and have that has gone nowhere. Any recourse?
Old 07-18-2019, 07:22 AM
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that is why credit cards should be used
Old 07-18-2019, 07:27 AM
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Don't think you have any recourse...or, if you do, it's much harder. Could be wrong.

Like has already been said....debit cards should only ever be used at an ATM. Not that that helps you right now.

Old 07-18-2019, 07:27 AM
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Originally Posted by WaterEnjoyer View Post
that is why credit cards should be used
This^^^^^^^

My debit card is for the ATM only.
Old 07-18-2019, 07:45 AM
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Originally Posted by 20biminitwist View Post
This^^^^^^^

My debit card is for the ATM only.
Mine also, and has been that way for a decade or so.

Don't use your debit card for regular purchases. When the money is gone, it is gone in most cases. With a credit card, you have protection.

As common a problem as this is, you would think less people would use their debit cards. I see them used far more than credit cards, and both types of cards are used far more than cash.

A good thing too is you have very little time spent in reconciling your checking balance (don't have to keep the wallet full of receipts). I bet I don't have 10 checking transactions a month, and they are all online bill pay, or ATM withdrawals.

Old 07-18-2019, 07:47 AM
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If the vendor is ripping people off you should tell use who not to do business with.
Old 07-18-2019, 07:48 AM
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Well.. Who is it?
Old 07-18-2019, 08:07 AM
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Originally Posted by fjmaverick View Post
Well.. Who is it?
Still in business?

What is interesting about this is the same bank will freeze this same card and send me a message about possible fraud if I venture too far from home yet when you call the fraud dept they wont help.
Old 07-18-2019, 08:13 AM
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There is one Vendor that has a reputation here for that......
Old 07-18-2019, 08:26 AM
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I had that issue but it was not with vendor here, card from Navy Federal CU. I got my money back.
Old 07-18-2019, 08:41 AM
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Originally Posted by Lone Ranger View Post
There is one Vendor that has a reputation here for that......
Surprised it wasn't DH this time
Old 07-18-2019, 08:57 AM
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so you filed a dispute with your bank for goods and services you haven't yet received? did your bank provide you a provisional credit? I work in the VISA world so if this is a MasterCard debit card, this may be of zero assistance. I would ask if they've done a chargeback yet, they should have which would require said vendor to contact your bank, if they don't respond then VISA refunds your bank, who should've already refunded you via a provisional credit. Chargebacks give 45 days to a vendor but requires them to talk to VISA and your bank to tell them what's going on. Hope this helps.
Old 07-18-2019, 09:22 AM
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Originally Posted by Inshore24 View Post
so you filed a dispute with your bank for goods and services you haven't yet received? did your bank provide you a provisional credit? I work in the VISA world so if this is a MasterCard debit card, this may be of zero assistance. I would ask if they've done a chargeback yet, they should have which would require said vendor to contact your bank, if they don't respond then VISA refunds your bank, who should've already refunded you via a provisional credit. Chargebacks give 45 days to a vendor but requires them to talk to VISA and your bank to tell them what's going on. Hope this helps.

It is a MC through a credit union.

so you filed a dispute with your bank for goods and services you haven't yet received? Well I have called them twice with this complaint and both times there were at a loss on what to do. 'I'll call you back' and they dont

did your bank provide you a provisional credit? No
Old 07-18-2019, 09:33 AM
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I agree with the comments about debit vs credit cards. A few years ago, I got hit with charges to a home improvement store in Aruba 3 weeks after we left. We disputed it, but we were out about $5k for over a month while they researched it to prove it wasn't us. Whereas if it were a credit card, the dispute would sit in limbo not being paid until resolved. We were fortunate that we could afford to float the $5k. But in other times, we may not have been so lucky.

Good Luck.
Old 07-18-2019, 09:35 AM
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Originally Posted by TripleCrownNC View Post
It is a MC through a credit union.

so you filed a dispute with your bank for goods and services you haven't yet received? Well I have called them twice with this complaint and both times there were at a loss on what to do. 'I'll call you back' and they dont
This being the vendor says they will call you back? or your Credit Union?
did your bank provide you a provisional credit? No
Quite unfortunate, as the owner of the credit union they should be providing you this and taking over getting the money back. My guess is that they haven't done a chargeback. I made a quick call to our fraud/card services team, although we use the VISA network, someone was familiar with MC, they also do chargebacks. I would see if you can't get someone in your credit union to start going above and beyond for their member/owner.
Old 07-18-2019, 09:56 AM
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Paying for something with a debit card is virtually the same as writing a check.
Old 07-18-2019, 09:59 AM
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Originally Posted by WaterEnjoyer View Post
that is why credit cards should be used
I do not understand why anyone would not understand the difference nor why it's important. Actually I do have an idea why but it would be impolite to express.
Old 07-18-2019, 10:12 AM
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Originally Posted by mikefloyd View Post
I do not understand why anyone would not understand the difference nor why it's important. Actually I do have an idea why but it would be impolite to express.
You can be an ass if you want, i am up for it.

I have this card linked to paypal and I ordered through PP (no balance in PP at this time). I filed a complaint through PP for non delivery of goods and all that seemed to do is have PP send the vendor an email to respond, which they have not.
Old 07-18-2019, 10:15 AM
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Originally Posted by TripleCrownNC View Post
You can be an ass if you want, i am up for it.

I have this card linked to paypal and I ordered through PP (no balance in PP at this time). I filed a complaint through PP for non delivery of goods and all that seemed to do is have PP send the vendor an email to respond, which they have not.
The information and my opinion were offered at no charge, you do not have to use or even understand it. BTW I'm not the one who got into this situation and came here looking for advice. Nor did I have to use profanity to make my point.
Old 07-18-2019, 10:18 AM
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I always use credit cards when dealing online and I always try to use Amer Exp. If I ever have a problem, customer service at AE is second to none. They put Visa and MC to shame.

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