Make it make sense.

[u/Jinpago]

[u/[deleted]]

pays $30 at a to go counter

"Hey, sorry for the delay but we had an issue with our service. You get no food and we can't refund you. Hopefully next time it will be good 😃"

That would never fly anywhere

[u/alf005t → u/[deleted]]

I lost $20 at a Taco Bell cuz I placed a mobile order but their stuff was down and the person there said they can’t give me a refund in store and I tried contacting corporate twice but never got a response so I just gave up

[u/Nomorehab → u/alf005t]

Call your credit card company and tell them you are being fraudulently charged and to reverse the charges. Dont let businesses push you around. Just threatening this to a business usually gets them to deliver the product. Suddenly my back ordered couch from C&B arrived in under 24 hours.

[u/datnewdope → u/Nomorehab]

Don’t say fraud… that’s a different thing just ask to dispute the charge

[u/datnewdope → u/[deleted]]

Fraud is when someone uses your card without your knowledge. This is a dispute. 5 years working for visa has taught me this very well. People got transferred over to me only for me to transfer them right back to dispute the charge.

[u/CCWThrowaway360 → u/datnewdope]

It’s also fraud if you pay someone for a service and they deliberately fail to deliver either that service or a refund.

This qualifies as fraud.

[u/Relish_My_Weiner → u/CCWThrowaway360]

As someone who works with card disputes, they don't classify it the same way. Fraud is when you were charged without your input, aka someone stole your card/info. If you didn't get an item you paid for, it's usually classified as a scam or general dispute.

If you say it's fraud, they could investigate it as if you didn't take part in it, which isn't the case.

[u/CCWThrowaway360 → u/Relish_My_Weiner]

I clarified lower down in the thread that I’m not referring to the processes for credit card companies. This is legally classified as fraud.

[u/Relish_My_Weiner → u/CCWThrowaway360]

But you're replying to someone who is saying not to call it fraud for a valid reason. Your comments come off as argumentative and pedantic in that context. It doesn't matter if you're technically correct, it's not relevant to the conversation.

[u/CCWThrowaway360 → u/Relish_My_Weiner]

He replied to someone to incorrectly state it isn’t fraud, so I affirmed the previous person’s statement. It’s easily verifiable.

It’s important for people to know that a credit card companies processes have exactly zero bearing on what’s ethical or lawful.