The way we shop is changing. More and more people are doing a larger portion of their shopping online. Delivery day is often filled with excitement and anticipation. However, an increase in online shopping at Amazon and other retailers has also brought an increased opportunity for theft.
Sometimes, porch pirates are lurking, waiting to steal your packages. Sometimes, a package arrives and you open it to find that the item inside is shattered. What happens if you contact the retailer for a refund, but they deny your request?
Use your credit card for better protection
When you shop online, your method of payment matters. At Thomas R. Breeden, P.C., we recommend using a credit card rather than a debit card for these transactions. Credit cards currently offer more robust protections for consumers. If a retailer refuses to help you with a stolen or broken item, using your credit card gives you a powerful tool at your disposal.
The Fair Credit Billing Act allows you to dispute charges for goods that were never delivered or arrived damaged. When you use a debit card, the money leaves your bank account immediately. Recovering those funds is much more challenging. With a credit card, you can often withhold payment for the disputed amount while the bank investigates.
Act quickly to secure your refund
Timing is everything when it comes to protecting your consumer rights. You must file a claim with your credit card company within 60 days of the first bill showing the transaction. If you wait too long, you will lose many of the protections of the act – although you would still not be liable for unauthorized charges over $50. We suggest checking your statements frequently to catch these issues early.
Retailers sometimes try to push the blame onto the delivery service or the customer. You do not have to accept a loss for a product you never received, or did not receive in good condition. Taking these steps helps ensure your credit history stays clean and your bank account stays protected.
How can a Virginia consumer protection attorney help?
If you are dealing with a company that ignores your rights, we can guide you through the process. At Thomas R. Breeden, P.C., we help people across northern Virginia hold retailers and credit companies accountable. You deserve to receive what you paid for without a legal headache.