Mike
Radford,#2Consumer Suggestion
Thu, February 09, 2006
Frank's point was that the consumer has much stronger disputing rights with a "REAL credit card" compared to a debit card. This is because Federal law allows the consumer to refuse to pay improper charges on a credit card. The bank will then take their money back from the merchant rather than lose it. With a debit card, it was the consumer's money all along, thus the bank doesn't really care much whether Sears refunds it or not. So if you qualify, get a credit card and use it whenever possible. Considering the other abuses that banks do with debit cards, these cards should be used only to operate the ATM.
Dave
Jacksonville,#3Consumer Comment
Wed, February 08, 2006
Where do you get off on this credit repair thing? What a moron. The OP NEVER said anything about credit... what gives you the right to pass judgement on someone for something you know NOTHING about? Get a life and stay off the internet you idiot.
Frank
Atlantic City,#4Consumer Suggestion
Wed, February 08, 2006
All the money you are blowing on Tv's, Should go towards repairing your credit so you can use a REAL Credit card. Banks can take up to 210 days to resolve a dispute. (Inside info): When you originally sent back your tv, a few days later a memo goes out to the salesperson to "save the sale" ie: calling you to resolve any issues. MOST of the times they do nothing because they LOSE commision if they cancel/refund a sale. NOW things have changed if a salesperson gets a "save the sale" no matter what the customer gets the refund automatically and they must start from scratch. Call Store manager, OR operations Mgr, they hate to be bothered by customers and will just satisfy you. You WILL get your refund.
Nick
Hollywood,#5Consumer Suggestion
Sun, February 05, 2006
Marnie (aka Criminal Genius) :) Why not explain the situation with your bank? You used your debit card, and certainly you have some recourse. When you returned the TV, you should have been issued some sort of receipt. Submit that to your bank, and see what happens. Let THEM deal with the headache, not you! Sears does NOT keep that information updated for long unless you paid with a Sears Credit Card. Don't give up! Get your money back!