In 25 years of having a credit card I never had to dispute a transaction. I asked Discover to help me because a merchant who lied to me repeatedly to get a deposit on merchandise that was not delivered would not give me my money back. Sorry Charlie, Discover thinks merchants with an F better business rating are better than a customer who just wants HONESTY.
SO merchants can lie, cheat, steal - never give you any merchandise. You can cancel the transaction in less than 24 hours. What does Discover do?
Tells you you have a store credit and you can take the merchant to court.
In AZ, you can cancel a contract in 72 hours for any reason. Not with discover.
Even though I got NOTHING Discover wants me to pay the bill.
The merchant is by IKEA in Tempe - he calls his discount furniture store fun - fun for him because he lies and cheats and Discover says Good boy - take those suckers money. Here is what discover said in response to my claim.
"Discover can't protect you from the merchant policies; they have the right set their own policies, and non-refundable deposits are not unusual. The merchant's reputation with the Better Business Bureau is a great way to determine if you want to give them your card number, but once you have provided the information and signed an agreement, nothing
Discover can do will release you from it. State laws about being able to change your mind about purchases are some of the most misunderstood, but if you believe the merchant has broken the law, you can contact an attorney.
I am sorry we could not resolve the case favorably for you; we are required by regulation to keep the charge on your
account based on the information currently available to us. "
They can take the money from his account - but they will not - my God they make Bank of America look good!