Bank won't reverse charge.?

Question

I use my debit card all of the time for all of my purchases basically. You know when you use them online it's considered a credit charge. Okay, Well I placed an order with a company IN JULY whom I have ordered something from before. I order online quite frequently and I never had any problems. Well, they charged my account but I never received my order. Actually if I look at my account with them it's on hold. I had called the company and they said they were having shipment problems. I said okay. So now it's been past a month since I placed the order and I called again left a message, emailed them and left messages no response. I called to cancel my order and now their voice mail is full on both numbers and no response from emails. I called the bank to get this reversed and explained the situation the woman said since I used my debit card I can't reverse the charge. This is B.S. to me. I need advice. Thanks.

Answer 1

A debit card is always a debit card even if it’s run through the credit system.  There is no consumer protection provided by a debit card like there is with a traditional credit card.  Your bank is right that you have no grounds to dispute this.  

Answer 2

And that is why its not always good to use debit cards for everything.  If you had used a credit card you could dispute the transaction.

Answer 3

that really sucks...i use my debit card online alot too...

i guess just make sure you know who your dealing with

Answer 4

You authorized the charge so the bank cannot reverse it.  

The problem comes down to the company you ordered your products from.  Keep a log of when you call, send them e-mails and any other things you do involving this situation.  If you do get to speak to someone tell them that you want a refund immediately.  

You can also try to contact the Better Business Bureau and report them.  

Answer 5

Sorry,  but she's right.  Credit cards have certain legal protections that debit cards don't, and the bank has no requirement to reverse a debit card payment.  

Answer 6

The bank can't reverse the charge because there is no charge to reverse. You withdrew money from your account and transferred it to the merchant. That's what debits card do.