Recently, we've made a rather large purchase, summing to about $2.5k..

At first we had it charged to one credit card, then decided we wanted on the other..

So they charged the first card, then the second, and we filled out a refund form for the first charge..

That was about one and a half months ago.. We never got our refund.. We called the management, they said they recieved our request for the refund on the 3rd of this month.. Which is still a month later... Surprised, I would've expected to have seen my refund now..

Is this grounds to issue a chargeback? I'd talk it up with the management again, saying how I will if I dont see the refund. Because, frankly, I dont want to pay and wait for the refund(if it comes) and then just have my refund as a 2.5k credit in the credit card system, meaning, we dont get the money back into our bank accounts until we make 2.5k worth of purchases, which will take a while on that card.. We dont want to wait and not pay this month and wait for the refund to cancel out, because of the high interest rates..

So is this grounds for a chargeback? I haven't issued a chargeback before, so do I just call the credit card issuer up and ask to issue a chargeback?



Edit:

I also plan to go to them and tell them that they have five days to issue the refund and for it to appear in my balance or I'll issue the chargeback.

If you are going to issue the chargeback, be sure to tell the company to forget about the refund in case they do happen to get around to it. There is no reason it should take them so long to issue a simple refund, but I'm just looking at it from the other side since we were in a similar situation in which a client pointed out a billing error and asked for a refund, which we promptly issued, only to find out later that they had simultaneously requested a chargeback from their credit card provider, resulting in us unknowingly crediting them double the amount owed. It wasn't intentional... a lot of clients simply don't understand chargebacks. I think your plan sounds fine though.

It happened to me as well.

Once, I drove to a multi-national conglomerate (Burger King) and initiated a time-sensitive transaction (ordered a Whopper). The charge went through but later on, my stomach decided to do a chargeback. It was not a nice spectacle.

Originally posted by timechange.com
It happened to me as well.

Once, I drove to a multi-national conglomerate (Burger King) and initiated a time-sensitive transaction (ordered a Whopper). The charge went through but later on, my stomach decided to do a chargeback. It was not a nice spectacle.

:rofl: I think joshiee is serious about this though..lol

:D

Well, I am not sure how fast chargebacks are processed by the banks, over here in Singapore, it can take up to 2 billing cycles to see it reflected.

I believe that if they do make a refund there would definitely be an authorization code given to them by their bank so have them give that code to you with the name of their bank and check with your own bank if there is such a refund being made. If they process using the physical credit card machine, there would probably be a refund slip which they could fax you.

At times, it could be the bank at fault. They are quick to take money out of your account but slow at returning it.

Doing a chargeback without verifying might put you into a situation where both the refund and chargeback are provided then they will be out of pocket for that amount which you inevitably have to pay.

Sometimes depending on the size of the company, there may be several departments which they need to go through to have a refund process. So if it is one such company, talk to the relevant personnel and check on the status.

Originally posted by timechange.com
It happened to me as well.

Once, I drove to a multi-national conglomerate (Burger King) and initiated a time-sensitive transaction (ordered a Whopper). The charge went through but later on, my stomach decided to do a chargeback. It was not a nice spectacle.

funny.. lol