Well, America Cameras got me... I did get my money back, and I'll tell you how. Sorry for the novel, but Here's my story:
Needing a middle of the road dslr to shoot commercials and short films on a budget, I found the cheapest price via google search for a nikon D5200 camera body only for $280. The guy calls the next day to confirm the order. He tells me that it's the international model. If I want one that works with US lenses and batteries, I'll need to pay like $200 more. I asked if I could change my order to a Nikon D3100 instead to stay within that $280 price range. He changed it to the D3100 for a total new price of $309.40. I was cool with that, "please rush my order!".
Weeks went by... No camera. 3 weeks later I receive an e-mail from them that my card has been charged for $309.40, and my order has been sent to the warehouse. (Mind you, their site says you won't be charged until the item ships)
Another week passes. I call to ask about the status of my order. The guy says "you'll have it in your hands in another week!" I grew very frustrated, and just decided that I'll just go to best buy and get a camera. I called them back and said "cancel the order, just to be clear, do not send the camera, and refund the card!" The guy shouts back at me "your order has been cancelled!" And hangs up on me! Fearing that this may be a fraud situation, I called my bank to see what I could do to retrieve the money, I was told to file a claim against the merchant. We did this over the phone.
I spent the next several weeks calling to try to talk to somebody at America Cameras about getting my $309.40 refunded... The $309.40 that should have never been taken. I spoke to a (seemingly nice) Anthony. He assured me that I would see the credit within 5-7 days. I did not. I called after the 7 days and talked to another nameless, faceless scumbag... He told me that if I don't see that refund that it must be an error on my banks end, and that I should challenge the account. I told him "I already filed a claim against America Cameras, and my bank is investigating them!". He replied "then there's nothing I can do for you!" And freaking hung up on me!
I called my bank to find out what the odds are that I would just lose my money. She said that out of 1500 cases she's seen, maybe 1 lost to the merchant. After a week or so, my bank issued a temporary credit of $309.40 that will become permanent if I win the case.
My bank attempted to contact America Cameras for the refund to no avail. The case then went to Visa (who issues my bank card). Visa sent me a questionnaire type form basically asking if I attempted to resolve the issue. I printed and sent them every e-mail and a nice, long letter with dates of conversations and pretty much everything I could find to confirm my story.
(Visa has the power to just go and take the money back from the merchant.)
Finally, after the original order in mid October... The cancellation in early November, I got my money back permanently in mid February. I received a letter today confirming that the credit is permanent, and I won the case. WOOOHOOOO! Suck it America Cameras! I BEAT YOU!
Frank B.-Michigan