Park Ranger
Occasional Contributor

Hi,

 

 I've been a happy USAA memeber for over one decade, and this is my first ever credit card dispute. I recently bought my girlfriend (soon to be fiance) a engagement ring and wedding band from a online merchant. I ordered a ring size 5, but to my surprise one ring came in at a size 6 and the other at a 6.5! Clearly poor quality control with this merchant. Also the rose gold looks more like gold. Anyways the companies website said no questions asked free 30 day returns with a return authorization. So when i emailed them about getting a return authroization number they said since my order was considered custom, i wasn't included in the return process and could not get my money back. Clearly i did not get what i ordered and i just want my money back. So i opened a USAA credit card dispute because i would like to get my money back and propse soon. Does anyone know how long or how much luck they had with USAA in disputing a credit card charge? How long does it take? I read online that USAA customer service regarding disputes has a quite low level of satisfaction. Also the merchant has not responded to my last two emails that i sent almost one week ago. I recently uploaded all the emails and pictures of the rings to USAA. Any infomarion on results or timeline a dispute takes or anything else i need or should do will be grealty appreciated.  

 

Thanks

 

Park Ranger

17 REPLIES

I just want to add until USAA makes a decision, i don't have enough funds to purchase another engagement ring and wedding band. What was supossed to be a happy time, is turning out to be a nightmare with the merchant. I also called USAA and they said they didn't get some of the documents that i uploaded. According to USAA's website they said they were recieved. So this time I uploaded them and also faxed them in. I just hope this process doesn't last a few months!

Park Ranger,

 

I have sent over your concerns to a bank specialist for review. They will be reaching out to you directly. Thank you.

Angela,

 

 When should I hear from someone?  Thanks you so much and I look forward to speaking to someone about my dispute. thank you once again

Hi Park Ranger,

 

I will follow up with the bank team on this. Thank you.

Angela,

 

  When will someone reach out to me direcly as you mentioned? It's been a few days and I still haven't gotten a call or email. Just wondering

 

Thanks

Andrew

Hi Andrew,

I wanted to check in and make sure you got the information you needed from the representative you spoke with on 2/2. Please continue to keep us updated here in the community and let us know if we can offer any additional assistance. Thank you!

Hi Briana,

 

  Yes a representative from USAA contacted me and stated they are investigating. He said i should have received a letter in the mail but i told him i didn't as of yesterday. He said to wait 15 days first desicion. Thanks again and i'll keep you updated of my progress

 

Andrew

Angela,

Thank you hopefully by early next week I'll hear from someone about this dispute. I just would like to propose but need these funds back for the engagement ring.

Thanks

Andrew
I've had to dispute a few times. Always got my money back. Think it took around a month or more to get refunded.