Will it hurt my credit if I dispute a charge and close my store credit card account and not pay for the item that I never received?
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Will it hurt my credit if I dispute a charge and close my store credit card account and not pay for the item that I never received?
I want a refund for a $400 pair of sunglasses that I never received. The third-party vendor shipped them to the wrong state and both the seller and this vendor are giving me the runaround. I have a tracking number. I placed my order on the 1st (3 weeks ago). I’m afraid I’ll never see them and I’m not paying one cent on my credit card account until I do. Is there anything I can do? I’ve already contacted all involved. This vendor also charges a 20% restocking fee if you want to cancel your order. That’s absurd, especially since I’ve never received my item.
Asked on June 21, 2012 under Bankruptcy Law, Pennsylvania
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 11 years ago | Contributor
If you have a valid dispute over the item that you paid for and never received via shipment from the vendor where you have disputed the charge and closed your store account, your credit should not be affected as a result assuming you can document very well that the vendor was careless in shipping the sunglasses where an incorrect address was placed on the shipment box different than your own.
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