Consumers, be prepared to have enough patience to self-advocate. I made a purchase with Discover Credit Card and the merchant gave in writing, one FULL YEAR (365 days) no questions asked 100% Money Back Guaranteed if it turned out to be of NO VALUE at ANYTIME within that time frame, and all that's needed is to send an email requesting refund (with several months left, I was nowhere close to a full year) After trying the product, I discovered several issues that made it didn't work for me. I contacted the Merchant first but because there was no response, I called Discover and opened a dispute. I fully explained the entire situation and said I'm not disputing the charge-its just that I"ve not heard from the Seller regarding the Full refund. Discover claimed they'll launch an investigation. However, they reversed the credit in Merchant's favor, stating the Merchant wasn't required to submit documents. Yet they sided with the Merchant and gave me a very difficult time requesting PROOF even though Merchant already wrote PROOF in Subject Line of correspondence that mattered. (PS: see more detailed explanation about documents in proceeding paragraphs:
I was confused because I was told if they needed docs from me, they'll call me if it's necessary. Needless to say, I was not called and by the time I saw update, the credit was already reversed. I called immediately and was told I can upload docs and they'll reopen case. I uploaded 6-7 documents (PROOF of email from Merchant regarding refund, correspondence, receipt, etc) YET that wasn't enough for Discover. I wasted so much of my time and energy on the phone with them, as I was at a loss about the additional docs they were asking for. I was told they need: Document from the Merchant that he promised a Refund, What date should I receive the refund and to which account it should be credited. This requests was ridiculous because they already had PROOF -the very detailed 3 page email that Merchant sent as "PROOF" in Subject Line which laid out the policies for FULL REFUND at anytime For a FULL YEAR 100% money Back Guarantee-No questions asked. I kept saying the refund/credit is to be placed back to the method of payment from which the purchase was made (ie. Discover Card) it was beyond frustrating to deal with customer service reps-as nothing they were saying made sense--they initially credited the amount to the Discover card-the card I used to make the purchase before reversing it, but now they needed info from Merchant to state where should purchase be credited? Make that make sense. The hardest thing was hearing them say without these things, I'll not receive the credit-but I can contact the local government and file complaint, or the FTC etc. My energy was so depleted after dealing with Discover reps that I decided to give up on following up. It was evident to me that I was getting nowhere with them, and the entire process began to sap my energy.
Discover NEVER assisted me with the dispute-instead they conjured all sorts of additional conditions, despite the fact that legally those conditions were already met. I'm still beyond discombobulated and distraught as a result of my experience throughout this process. It made me realize there's lack of care for customers with honest disputes and the dispute process with Discover will frustrate you to the very end. In the end, it was the Merchant who created the solution but I had to painstakingly send multiple emails to merchant. Discover did nothing to assist me in this matter; had it not been for the Merchant honoring the very email that I sent Discover as PROOF regarding the promised Refund, the dispute would be a lost cause. At this point it's useless for me to notify Discover of this complaint, I spent so much time on the phone repeatedly explaining the unfairness and confusion regarding their requests and it fell on deaf ears. It's unfair for me to have spent time feeling like despite evidence already provided, they insisted on things that were not necessary. The fact that a merchant was not required by them to present documents during the dispute but they sided with the merchant surprised me. Then it happens that it was the Merchant (after several emails between Merchant and myself), who issued a full refund as promised in evidence.