I Hate Cellphone Companies

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amdforever2

Golden Member
Sep 19, 2002
1,879
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Are you sure they aren't just spazzing out because they don't comprehend the concept of a convenience check?

Go to an entirely different store and be careful not to confuse the workers.

"Hello. I'd like to return this product. I understand I will pay a restocking fee. I made my purchase with a personal check."
 

amdforever2

Golden Member
Sep 19, 2002
1,879
0
0
Oh, and the traditional smacking down a credit card dispute might allow for will definetly not be happening here.

A paper instrument was used, not a network like Visa or MC.

Once that paper clears your CC issuer is out the money, they can't just get it back out of the merchants bank account via a chargeback.

A billing dispute will fail.
 

Kelemvor

Lifer
May 23, 2002
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I'd go through the CC company and get a FULL refund. You shouldn't have to pay a restocking fee at this point since they have lied multiple times and seem generally inept.
 

AMCRambler

Diamond Member
Jan 23, 2001
7,715
31
91
By convenience check I assume you mean those stupid checks they include with your credit card bill? I don't see why you would use one of these instead of just the credit card itself. They usually have a fee attached to using them which is a percentage of the amount you write it for as well as a higher interest rate than the credit card. Seems silly to use one of these instead of just using the charge card. Why did you use the check?
Should not matter how you paid though. You tried to return the phone within the 14 day period and they gave you a run around. More than likely they do not know how to credit your account back. If you pay for something at a store with a check and then you return it they usually refund you in cash. With these convenience checks it's a little different but my guess is it should work the same way. However your credit card company is still going to charge you the fees and the higher interest rate if you don't pay it off in full and the cell phone store is still gonna ding you for the restocking fee. Seems like you're going to lose a good chunk of your purchase price on this deal. Are you sure it's worth returning the iPhone? What problems is it giving you?
 

Mxylplyx

Diamond Member
Mar 21, 2007
4,197
101
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Originally posted by: aphex
Originally posted by: Mxylplyx
Why the hell would you use a credit card check? Isnt that treated as a cash advance? Why not swipe the card instead?

CC card companies sometimes send out checks with a low fixed interest rate. I get em all the time from Amex, and once in a while from BOA.

They should just treat it like a regular check then, and probably give you cash back. Shouldnt matter to them where their money came from.
 

Greenman

Lifer
Oct 15, 1999
22,373
6,507
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Originally posted by: SampSon
Originally posted by: Cuda1447
Originally posted by: SampSon
The minute they started to give me the run around I would have immediately called my credit card company and reversed the charges.

I would have went into the store and made a big rukus, got Apple and AT&T corporate on the phone at the same time.
Then I would have told them I am enacting the state law that says you have to issue a full refund with no questions asked within 30 days (probably not applicable to you). While they were being chewed up by me I would have made them aware that the credit card company has already reversed the charge and has been instructed to accept no further charges from the establishment and if they do, fraud charges will be pressed. Then tell them if they refuse to accept the return of the merchandise that the credit card company will not accept the charges and the refusal will be construed as an acceptance to keep the merchandise free of charge.

I did something similar, though to to that degree, with a couple companies. One of them being sprint. It seems that once you really get on them they always seem to have some magical corporate number that they can call to make it all better.

I personally think you're full of shit. If you pulled that shit in my store I'd just tell you to leave and call security. So you reversed the charges? Like I give a fuck. Keep your phone and get the hell out. If you think those reversed charges will stick, fine by me. Have fun dealing with the credit company and corporate.
I don't really care if you think I'm full of shit. If you, as a business owner, put me through a run-around like the OP got I wouldn't want to enter your store ever again. As if not being able to do business with scumbags like you is some sort of threat. Security? What is security going to do, throw me out of a worthless establishment that I don't want to do business with? This just gets worse by the minute! Hopefully they don't bring me in the basement and break my kneecaps too!

Yes charges I have reversed have stuck for a couple of situations. I'd rather deal with my credit card company, who've I've been a loyal customer to for some time, than a small potatos scumbag dealer such as yourself (or your hypothetical self). If the shop owner wants to dispute them, then fine, be my guest. It's their time and money to waste, not mine, because I'm not going to end up paying a dime. The credit card company may end up eating the cost to pay the shop owner if their appeal is accepted. If they don't then what is the owner going to do, sue me? Go for it big shot. I guess I'll see ya in small claims court. Have you never reversed a credit card charge due to a dispute with the establishment you did business with? Mabey you're the type that just accepts taking it in the ass and moves on.

As for the refund laws, do you expect the shop owner of an establishment like the OP went to to actually fully understand specific refund laws? Here the absolute refund period is 7 days with a receipt of sale unless the refund laws are conspicuously posted within the view of the customer. These laws are also debateable and can be appealed to the BBB. Do you want to take the time to deal with the BBB?

The whole point is that if you get in the face of a little store with action and lots of words (as half-truth as they may be), they aren't going to do a lot to counter it. if they want to move it up to "corporate" if there even is a corporate beyond the services they contract for, then go for it. I've had more luck dealing with direct "corporate" when pissed off than I've had with owners/employees of small shops.

I hope that you're presenting a hypothetical scenario about owning a store and you're not one of thoes douche bags who runs an indirect cell phone retailer. If you do own one of thoes shops I bet you sell lots of blinged out cell phone cases to suburban thugs, right?

This is all in good fun of course. Don't get your little panties in a bunch.

So you know how to make a fuss to get your way, my 2 year old grandson is an expert at that.
 
May 31, 2001
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Originally posted by: amdforever2
Oh, and the traditional smacking down a credit card dispute might allow for will definetly not be happening here.

A paper instrument was used, not a network like Visa or MC.

Once that paper clears your CC issuer is out the money, they can't just get it back out of the merchants bank account via a chargeback.

A billing dispute will fail.


I raised this point when I first talked to the people at my credit card company, they said it is a non-issue.