Anyone ever done a chargeback for an american express business card?

o hai guyz said:
How do you even explain that to them? If it happened 6 months ago, surely you looked at your statement 6 months ago when you paid it and saw the charge then, so don't they ask you why you're just now filing it?
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In my case, it was a charge for a subscription product that the seller didn't deliver on. He abandoned it half way through.
 


greenleaves said:
Not sketchy, but if it is an item with high re-sale potential, scammers gravitate to that shit.



From post 6 it would seem you initiated the charge back before contacting them.

It is likely they deserve it... but charging back without contacting the merchant first is not very polite. Most people will refund just to avoid the charge back, which not only hurts given the charge back fees that range from $15-50, but also the fact that it can hurt the merchants standings. I'm not saying chase after them, but at least give them 1 contact and 24 hours before you initiate that shit. Even if it is unlikely, there is a possibility that the issue is due to your mistake (sending cancellation email to wrong address, server issues, not noticing you signed up for more than just one recurring charge and cancelling only one and not all, etc)

And no, the scammer tag was not written by me.
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Thank you for the ethics lesson.

Their ticket response times were as long as 2 weeks, and those are the ones they actually responded to. Time is money and it's not my job to be polite.

Chargebacks filed in 5 minutes and I'll have my money soon.

Case closed.
 
greenleaves said:
It is likely they deserve it... but charging back without contacting the merchant first is not very polite. Most people will refund just to avoid the charge back, which not only hurts given the charge back fees that range from $15-50, but also the fact that it can hurt the merchants standings. I'm not saying chase after them, but at least give them 1 contact and 24 hours before you initiate that shit. Even if it is unlikely, there is a possibility that the issue is due to your mistake (sending cancellation email to wrong address, server issues, not noticing you signed up for more than just one recurring charge and cancelling only one and not all, etc)
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He said the merchant was unresponsive. If someone has an urgent question and you're taking weeks to reply each time, this would be one of the rare cases when a chargeback would seem legitimate.

I have 24/7 customer service for my products and always issue a refund if the problem was on our end (or even if it wasn't we'll usually just refund it anyway), and my chargeback rate is extremely low. The majority of them are for stupid reasons, but regardless of product quality I think if a company has shitty customer service then they've earned the right to get fucked over.
 
skank said:
AmEx always sides with the customer. They fuck the merchant on so many occasions (I know because I've gotten screwed on completely legitimate orders). It's the absolutely best CC provider for customers and the absolutely worst for merchants
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This...been on both ends too. Used to own an ecom site selling mini split air conditioners. Had an asshole order 4 units and did a chargeback. Even with signed receipts we still lost. $9700 down the tubes.
 
As a cardholder/customer... Amex is the way to go. Every single time.

For merchants/businesses, not so much.
 
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