Being scammed, Should I finish the fight?

[NicMM]

I filed credit card dispute. But now as I checked my statement, I learned that my credit card failed to protect me. They rebilled the $358.25 dispute amount back.

When I called back, I was told because I didn’t send order confirmation, the credit card company could not decide what the right amount is. See, SkyPointDigital knew this. That’s why it never sent me any order confirmation or receipt.

What can I do?

[sd_t2]

There are only two photo shops that I would deal with – Adorama and B&H Photo. They are real and very respectable companies.

The scenario you describe is standard operating procedure for the shady NY electronic store. When I was new to it all (1996 or so) I got lightly burned but it all worked out.

You need the Nikon lens, that is a classic bait and switch. Sigma makes some good lenses, but I assure you that you want the Nikon kit – this guy lured you in with a Nikon “kit” but swapped out all the pieces but the camera body for cheap crap.

Box everything up, send it back with delivery confirmation and dispute with your credit card company. DO NOT PAY off that balance, if you do you forfeit the right to dispute.

Then buy what you want and deserve at Amazon, the two companies above, or — quite frankly — a local big box store.

Sorry. You’re not the first.

[sd_t2]

There are only two photo shops that I would deal with – Adorama and B&H Photo. They are real and very respectable companies.

The scenario you describe is standard operating procedure for the shady NY electronic store. When I was new to it all (1996 or so) I got lightly burned but it all worked out.

You need the Nikon lens, that is a classic bait and switch. Sigma makes some good lenses, but I assure you that you want the Nikon kit – this guy lured you in with a Nikon “kit” but swapped out all the pieces but the camera body for cheap crap.

Box everything up, send it back with delivery confirmation and dispute with your credit card company. DO NOT PAY off that balance, if you do you forfeit the right to dispute.

Then buy what you want and deserve at Amazon, the two companies above, or — quite frankly — a local big box store.

Sorry. You’re not the first.

[sd_t2]

There are only two photo shops that I would deal with – Adorama and B&H Photo. They are real and very respectable companies.

The scenario you describe is standard operating procedure for the shady NY electronic store. When I was new to it all (1996 or so) I got lightly burned but it all worked out.

You need the Nikon lens, that is a classic bait and switch. Sigma makes some good lenses, but I assure you that you want the Nikon kit – this guy lured you in with a Nikon “kit” but swapped out all the pieces but the camera body for cheap crap.

Box everything up, send it back with delivery confirmation and dispute with your credit card company. DO NOT PAY off that balance, if you do you forfeit the right to dispute.

Then buy what you want and deserve at Amazon, the two companies above, or — quite frankly — a local big box store.

Sorry. You’re not the first.

[sd_t2]

There are only two photo shops that I would deal with – Adorama and B&H Photo. They are real and very respectable companies.

The scenario you describe is standard operating procedure for the shady NY electronic store. When I was new to it all (1996 or so) I got lightly burned but it all worked out.

You need the Nikon lens, that is a classic bait and switch. Sigma makes some good lenses, but I assure you that you want the Nikon kit – this guy lured you in with a Nikon “kit” but swapped out all the pieces but the camera body for cheap crap.

Box everything up, send it back with delivery confirmation and dispute with your credit card company. DO NOT PAY off that balance, if you do you forfeit the right to dispute.

Then buy what you want and deserve at Amazon, the two companies above, or — quite frankly — a local big box store.

Sorry. You’re not the first.

[sd_t2]

There are only two photo shops that I would deal with – Adorama and B&H Photo. They are real and very respectable companies.

The scenario you describe is standard operating procedure for the shady NY electronic store. When I was new to it all (1996 or so) I got lightly burned but it all worked out.

You need the Nikon lens, that is a classic bait and switch. Sigma makes some good lenses, but I assure you that you want the Nikon kit – this guy lured you in with a Nikon “kit” but swapped out all the pieces but the camera body for cheap crap.

Box everything up, send it back with delivery confirmation and dispute with your credit card company. DO NOT PAY off that balance, if you do you forfeit the right to dispute.

Then buy what you want and deserve at Amazon, the two companies above, or — quite frankly — a local big box store.

Sorry. You’re not the first.

[Coronita]

[quote=NicMM]I filed credit card dispute. But now as I checked my statement, I learned that my credit card failed to protect me. They rebilled the $358.25 dispute amount back.

When I called back, I was told because I didn’t send order confirmation, the credit card company could not decide what the right amount is. See, SkyPointDigital knew this. That’s why it never sent me any order confirmation or receipt.

What can I do?[/quote]

1) Chop it up as as a lesson learned.

2) Call your credit card company back. Tell them you are going to cancel your credit card and take your business to other company (like American Express) because you are unhappy with the dispute resolution and that you have been a company for XXX years. Remind them that you have spent YYYY average each year, and that corresponds to approximately ZZZZ in merchant fees for them (assuming that you don’t carry a balance on the credit card). Remind them that’s ZZZZ per year they will not receive and that American Express is now going to get, because you have heard how well American Express handles merchant disputes. Ask to talk to a 2nd line customer service because 1st line cant do anything.

[Coronita]

[quote=NicMM]I filed credit card dispute. But now as I checked my statement, I learned that my credit card failed to protect me. They rebilled the $358.25 dispute amount back.

When I called back, I was told because I didn’t send order confirmation, the credit card company could not decide what the right amount is. See, SkyPointDigital knew this. That’s why it never sent me any order confirmation or receipt.

What can I do?[/quote]

1) Chop it up as as a lesson learned.

2) Call your credit card company back. Tell them you are going to cancel your credit card and take your business to other company (like American Express) because you are unhappy with the dispute resolution and that you have been a company for XXX years. Remind them that you have spent YYYY average each year, and that corresponds to approximately ZZZZ in merchant fees for them (assuming that you don’t carry a balance on the credit card). Remind them that’s ZZZZ per year they will not receive and that American Express is now going to get, because you have heard how well American Express handles merchant disputes. Ask to talk to a 2nd line customer service because 1st line cant do anything.

[Coronita]

[quote=NicMM]I filed credit card dispute. But now as I checked my statement, I learned that my credit card failed to protect me. They rebilled the $358.25 dispute amount back.

When I called back, I was told because I didn’t send order confirmation, the credit card company could not decide what the right amount is. See, SkyPointDigital knew this. That’s why it never sent me any order confirmation or receipt.

What can I do?[/quote]

1) Chop it up as as a lesson learned.

2) Call your credit card company back. Tell them you are going to cancel your credit card and take your business to other company (like American Express) because you are unhappy with the dispute resolution and that you have been a company for XXX years. Remind them that you have spent YYYY average each year, and that corresponds to approximately ZZZZ in merchant fees for them (assuming that you don’t carry a balance on the credit card). Remind them that’s ZZZZ per year they will not receive and that American Express is now going to get, because you have heard how well American Express handles merchant disputes. Ask to talk to a 2nd line customer service because 1st line cant do anything.

[Coronita]

[quote=NicMM]I filed credit card dispute. But now as I checked my statement, I learned that my credit card failed to protect me. They rebilled the $358.25 dispute amount back.

When I called back, I was told because I didn’t send order confirmation, the credit card company could not decide what the right amount is. See, SkyPointDigital knew this. That’s why it never sent me any order confirmation or receipt.

What can I do?[/quote]

1) Chop it up as as a lesson learned.

2) Call your credit card company back. Tell them you are going to cancel your credit card and take your business to other company (like American Express) because you are unhappy with the dispute resolution and that you have been a company for XXX years. Remind them that you have spent YYYY average each year, and that corresponds to approximately ZZZZ in merchant fees for them (assuming that you don’t carry a balance on the credit card). Remind them that’s ZZZZ per year they will not receive and that American Express is now going to get, because you have heard how well American Express handles merchant disputes. Ask to talk to a 2nd line customer service because 1st line cant do anything.

[Coronita]

[quote=NicMM]I filed credit card dispute. But now as I checked my statement, I learned that my credit card failed to protect me. They rebilled the $358.25 dispute amount back.

When I called back, I was told because I didn’t send order confirmation, the credit card company could not decide what the right amount is. See, SkyPointDigital knew this. That’s why it never sent me any order confirmation or receipt.

What can I do?[/quote]

1) Chop it up as as a lesson learned.

2) Call your credit card company back. Tell them you are going to cancel your credit card and take your business to other company (like American Express) because you are unhappy with the dispute resolution and that you have been a company for XXX years. Remind them that you have spent YYYY average each year, and that corresponds to approximately ZZZZ in merchant fees for them (assuming that you don’t carry a balance on the credit card). Remind them that’s ZZZZ per year they will not receive and that American Express is now going to get, because you have heard how well American Express handles merchant disputes. Ask to talk to a 2nd line customer service because 1st line cant do anything.

[ucodegen]

When I called back, I was told because I didn’t send order confirmation, the credit card company could not decide what the right amount is. See, SkyPointDigital knew this. That’s why it never sent me any order confirmation or receipt.

Did you let VISA know that “Sky Point Digital” didn’t send you a confirmation or receipt? Realize that without a receipt/order confirmation, Sky Point Digital themselves can’t prove that they billed you validly. Demand a copy of the receipt from “Sky Point Digital”. If “Sky Point Digital” doesn’t give you a copy of the receipt, dispute the entire charge (full $1299) with VISA because if “Sky Point Digital” does not have a valid confirmation number or receipt themselves for the charge, they can’t prove that they even tried to send you the merchandise that they charged you for as well as what that merchandise was. The burden of proof is on “Sky Point Digital”. There should be a tracking number on the package.. you’ll need that too, but if you have it, don’t tell VISA or “Sky Point Digital” (and tell those that opened the package that was addressed to you, to never do that again.. seriously.).

You should have printed out the web page and sum of charges from the web page right before you ok’d the payment… and right after if possible. You can use something called ‘PDFCreator’ as a printer driver to create a ‘pdf’ file from a web page. The page would have served as ‘proof’ of what they claiming that the charges are for the item and what you were trying to buy.

Now if “Sky Point Digital” is able to provide the receipts and tracking numbers.. it gets more difficult. It becomes he-said/she-said (because you don’t have a printed copy of the web page when and after you ordered). “Sky Point Digital” sounds like a closet operation.. so I don’t think they keep good records.

If it all falls out, you can file complaints with both the FBI and Better Business Bureau of New York(if that is where they are located). FTC complaint might be another avenue.

[ucodegen]

When I called back, I was told because I didn’t send order confirmation, the credit card company could not decide what the right amount is. See, SkyPointDigital knew this. That’s why it never sent me any order confirmation or receipt.

Did you let VISA know that “Sky Point Digital” didn’t send you a confirmation or receipt? Realize that without a receipt/order confirmation, Sky Point Digital themselves can’t prove that they billed you validly. Demand a copy of the receipt from “Sky Point Digital”. If “Sky Point Digital” doesn’t give you a copy of the receipt, dispute the entire charge (full $1299) with VISA because if “Sky Point Digital” does not have a valid confirmation number or receipt themselves for the charge, they can’t prove that they even tried to send you the merchandise that they charged you for as well as what that merchandise was. The burden of proof is on “Sky Point Digital”. There should be a tracking number on the package.. you’ll need that too, but if you have it, don’t tell VISA or “Sky Point Digital” (and tell those that opened the package that was addressed to you, to never do that again.. seriously.).

You should have printed out the web page and sum of charges from the web page right before you ok’d the payment… and right after if possible. You can use something called ‘PDFCreator’ as a printer driver to create a ‘pdf’ file from a web page. The page would have served as ‘proof’ of what they claiming that the charges are for the item and what you were trying to buy.

Now if “Sky Point Digital” is able to provide the receipts and tracking numbers.. it gets more difficult. It becomes he-said/she-said (because you don’t have a printed copy of the web page when and after you ordered). “Sky Point Digital” sounds like a closet operation.. so I don’t think they keep good records.

If it all falls out, you can file complaints with both the FBI and Better Business Bureau of New York(if that is where they are located). FTC complaint might be another avenue.

[ucodegen]

When I called back, I was told because I didn’t send order confirmation, the credit card company could not decide what the right amount is. See, SkyPointDigital knew this. That’s why it never sent me any order confirmation or receipt.

Did you let VISA know that “Sky Point Digital” didn’t send you a confirmation or receipt? Realize that without a receipt/order confirmation, Sky Point Digital themselves can’t prove that they billed you validly. Demand a copy of the receipt from “Sky Point Digital”. If “Sky Point Digital” doesn’t give you a copy of the receipt, dispute the entire charge (full $1299) with VISA because if “Sky Point Digital” does not have a valid confirmation number or receipt themselves for the charge, they can’t prove that they even tried to send you the merchandise that they charged you for as well as what that merchandise was. The burden of proof is on “Sky Point Digital”. There should be a tracking number on the package.. you’ll need that too, but if you have it, don’t tell VISA or “Sky Point Digital” (and tell those that opened the package that was addressed to you, to never do that again.. seriously.).

You should have printed out the web page and sum of charges from the web page right before you ok’d the payment… and right after if possible. You can use something called ‘PDFCreator’ as a printer driver to create a ‘pdf’ file from a web page. The page would have served as ‘proof’ of what they claiming that the charges are for the item and what you were trying to buy.

Now if “Sky Point Digital” is able to provide the receipts and tracking numbers.. it gets more difficult. It becomes he-said/she-said (because you don’t have a printed copy of the web page when and after you ordered). “Sky Point Digital” sounds like a closet operation.. so I don’t think they keep good records.

If it all falls out, you can file complaints with both the FBI and Better Business Bureau of New York(if that is where they are located). FTC complaint might be another avenue.

[ucodegen]

When I called back, I was told because I didn’t send order confirmation, the credit card company could not decide what the right amount is. See, SkyPointDigital knew this. That’s why it never sent me any order confirmation or receipt.

Did you let VISA know that “Sky Point Digital” didn’t send you a confirmation or receipt? Realize that without a receipt/order confirmation, Sky Point Digital themselves can’t prove that they billed you validly. Demand a copy of the receipt from “Sky Point Digital”. If “Sky Point Digital” doesn’t give you a copy of the receipt, dispute the entire charge (full $1299) with VISA because if “Sky Point Digital” does not have a valid confirmation number or receipt themselves for the charge, they can’t prove that they even tried to send you the merchandise that they charged you for as well as what that merchandise was. The burden of proof is on “Sky Point Digital”. There should be a tracking number on the package.. you’ll need that too, but if you have it, don’t tell VISA or “Sky Point Digital” (and tell those that opened the package that was addressed to you, to never do that again.. seriously.).

You should have printed out the web page and sum of charges from the web page right before you ok’d the payment… and right after if possible. You can use something called ‘PDFCreator’ as a printer driver to create a ‘pdf’ file from a web page. The page would have served as ‘proof’ of what they claiming that the charges are for the item and what you were trying to buy.

Now if “Sky Point Digital” is able to provide the receipts and tracking numbers.. it gets more difficult. It becomes he-said/she-said (because you don’t have a printed copy of the web page when and after you ordered). “Sky Point Digital” sounds like a closet operation.. so I don’t think they keep good records.

If it all falls out, you can file complaints with both the FBI and Better Business Bureau of New York(if that is where they are located). FTC complaint might be another avenue.

[Author]

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