LBrown59
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Did you get this settled ??????MrJimi said:
WARNING!! home depot shoppers
- Thread starter MrJimi
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Dusty
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DieselPower said:
I recently had a problem with a purchase and learned that buying with the credit card wasn't as easy as we have been led to believe when it comes to problem solving. You as the buyer, have to let the seller try to resolve the problem first, and even then, you still can't get them to reverse the charges easily. The seller has a certain time frame to deal with the problem. Check with your credit card company dispute department, and you will learn a lot about charge backs, and what they can and can't do. The best is American Express. They will take your side even if you are wrong.
Dusty
tallyho8
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I use a credit card but pay it off completely each month. When I had a dispute (a week after I paid the credit card bill) they told me that they only made chargebacks if I owed them money but since I didn't owe them any money, it was not credit and credit card laws did not apply. 
midlf
Platinum Member
tallyho8 said:I use a credit card but pay it off completely each month. When I had a dispute (a week after I paid the credit card bill) they told me that they only made chargebacks if I owed them money but since I didn't owe them any money, it was not credit and credit card laws did not apply.
Which card and bank was that?
tallyho8
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It was a Visa card about 6 years ago. I forget which bank it was from because I immediately cut it up and tossed it.
Bedlam
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Thats what Ive heard also, once you pay it off,the protection goes away.The merchant has their money and the card company doesnt have any 'leverage'.
One thing I do, is I use two different cards.Make sure the 'closing' date is opposite. (the card company will change the date if you request) .
Then switch twice a month, which card you use. This way you extend the time you have to pay, and also the time of "coverage' .should you be displeased.
Let's say you wanted to but a 'large; ticket item, I wait until the close date, and buy the next day, this gives you extra time before it even hits the card, or you get billed. then when you receive the bill, you have a few more weeks to pay it. In some cases this extends it out almost 30 days.
I had a Penny card 30 years ago I cut in half, and sent back with a letter .(return res.). But to this day it shows on my credit rating. and they continue to call and make offers ,even though I told them I had cancelled 30 years ago.
I did use the home depot offer once, almost a year with no interest and payments. I didnt have any trouble. I got 11 months no payment or interest, Paid it off in full a month before I had to.They depend on people defaulting on the payment at that time, and can charge back the interest.
Good Luck to us all this season.
Al
One thing I do, is I use two different cards.Make sure the 'closing' date is opposite. (the card company will change the date if you request) .
Then switch twice a month, which card you use. This way you extend the time you have to pay, and also the time of "coverage' .should you be displeased.
Let's say you wanted to but a 'large; ticket item, I wait until the close date, and buy the next day, this gives you extra time before it even hits the card, or you get billed. then when you receive the bill, you have a few more weeks to pay it. In some cases this extends it out almost 30 days.
I had a Penny card 30 years ago I cut in half, and sent back with a letter .(return res.). But to this day it shows on my credit rating. and they continue to call and make offers ,even though I told them I had cancelled 30 years ago.
I did use the home depot offer once, almost a year with no interest and payments. I didnt have any trouble. I got 11 months no payment or interest, Paid it off in full a month before I had to.They depend on people defaulting on the payment at that time, and can charge back the interest.
Good Luck to us all this season.
Al
OP
MrJimi
Elite Member, Rest in Peace
LBrown59 said:
Not yet, the answer I get from them is 'its not in our system, sorry" I have my receipt and they wont acknowledge it.
I bought the same items from Lowes and I had to sign a paper saying I had rec. all of it. Why don't hd do this, sounds simple to me.
Jim
Dusty
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Still waiting to hear the details. With all your posts, you have yet to say exactly what happened. I like mysteries, but please give us some clues. Without clues, it isn't a mystery, it is an incomplete story. Do we need Scotland Yard to get involved or Unsolved Mysteries...
Bedlam
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the receipt is the contract.
fraud
theft by deception.
time for the Attorney General in your state.
fraud
theft by deception.
time for the Attorney General in your state.
OP
MrJimi
Elite Member, Rest in Peace
And they say they dont have theirs? This is not right
here are a couple of short videos I found about them
Part 1
Home Depot Investigation - Part 1 - News - nbc4.tv | KNBC
Part 2
Home Depot Investigation - Part 2 - News - nbc4.tv | KNBC
This is not new to them
here are a couple of short videos I found about them
Part 1
Home Depot Investigation - Part 1 - News - nbc4.tv | KNBC
Part 2
Home Depot Investigation - Part 2 - News - nbc4.tv | KNBC
This is not new to them