How long did it take you to get a refund?

48 replies
I signed up for a coaching program and after being unsatisfied with it, asked for a refund within the 30-day refund time frame.

Two and a half weeks and still no refund.

Here's the response I got from the guy: Since it was a $500 program, the merchant account puts a hold on high ticket transactions like this. Therefore, it will take up to 60 days to get the refund.

I didn't pay via Paypal/JVzoo/ClickBank. It was some other, less known platform. (Maybe Dealguardian)

Does this sound fishy to you?

Thanks in advance,
Eugen
#guarantee #long #process #refund #time
  • Profile picture of the author SEO Power
    I suggest you do a search on Google for how refunds work on the payment platform used.
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  • if dealguradian then they refund at the same time I am not sure which platform is this
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    • Profile picture of the author Eugen Prodan
      Originally Posted by SEO Power View Post

      I suggest you do a search on Google for how refunds work on the payment platform used.
      Great suggestion, only if I knew exactly what platform he uses. And he won't tell, of course...


      Originally Posted by Abdulmagid Zanati View Post

      if dealguradian then they refund at the same time I am not sure which platform is this
      Me neither. Will keep diggin'.
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      • Profile picture of the author Alexa Smith
        Banned
        Originally Posted by Rod Cortez View Post

        Waitamintue, hold, pause.......

        I did not know this purchase was being made through Deal Guardian.
        The OP didn't say that it was ... (it was just others replying who may have assumed that, I think). He actually said that he didn't know what kind of processor the vendor was using ...

        Originally Posted by Eugen Prodan View Post

        Great suggestion, only if I knew exactly what platform he uses. And he won't tell, of course...
        .
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        • Profile picture of the author Mark Hess
          Originally Posted by Alexa Smith View Post

          The OP didn't say that it was ... (it was just others replying who may have assumed that, I think). He actually said that he didn't know what kind of processor the vendor was using ...
          He said he didn't know, but DealGuardian was brought up in his original post that's why I posted + the vendor's excuse matched up with DealGuardian's policy, blacklist, etc...
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  • Profile picture of the author samling
    Originally Posted by Eugen Prodan View Post

    I signed up for a coaching program and after being unsatisfied with it, asked for a refund within the 30-day refund time frame.

    Two and a half weeks and still no refund.

    Here's the response I got from the guy: Since it was a $500 program, the merchant account puts a hold on high ticket transactions like this. Therefore, it will take up to 60 days to get the refund.

    I didn't pay via Paypal/JVzoo/ClickBank. It was some other, less known platform. (Maybe Dealguardian)

    Does this sound fishy to you?

    Thanks in advance,
    Eugen
    Hi Eugen,

    Would you mind pm me the program that you sign up for please.

    Thanks
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    • Profile picture of the author Eugen Prodan
      Originally Posted by samling View Post

      Hi Eugen,

      Would you mind pm me the program that you sign up for please.

      Thanks
      PM sent. Hope it helps.
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  • Profile picture of the author salegurus
    You are being played like a cheap piano....
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    • Profile picture of the author Eugen Prodan
      Originally Posted by salegurus View Post

      You are being played like a cheap piano....
      That's exactly how I feel about this.

      I might add: It's a coaching program run by a relatively known person on this forum...
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  • Profile picture of the author Alex Blades
    Here's the response I got from the guy: Since it was a $500 program, the merchant account puts a hold on high ticket transactions like this. Therefore, it will take up to 60 days to get the refund.
    I'm not sure why he would put a hold on a refund, but if he says it will take upto 60 days, then maybe he will give you a refund during that time frame, if he is a reputable seller.
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  • Profile picture of the author WeavingThoughts
    I doubt it. Chances are he wants your credit card window to close which is 60 days for several banks.
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    • Profile picture of the author Eugen Prodan
      Originally Posted by WeavingThoughts View Post

      I doubt it. Chances are he wants your credit card window to close which is 60 days for several banks.
      Thanks for the insight. I've never dealt with such credit card issues. So what happens if your credit card window closes? (I googled it with no luck )
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  • Profile picture of the author iamgoutam
    Low chance of getting back of your money.
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  • Profile picture of the author iamgoutam
    Do you know how unethical people are cheating on internet marketing? Probably you not, so you are suffering. With an example i am describing it. Suppose you want to make money selling e-books and you have chosen your niche but you know very well that you can not get enough sell if you sell your own books in your name cause there are experts in the niche and they are super popular, un-ethical marketers take the chance, they finds the best author in the niche and buy a domain like the author's domain & copy everything from it (content to design, color everything) but domain name cannot be same so they use the same name but another extension (suppose if the original website domain is www.yourdomain.com then they use www.yourdomain.net/biz etc). So if anybody searching for the real author's website may find this bad one and buy products and he is totally cheated. So before purchase pls check out the companies' reliability, search then on wikipedia and find discussion on forum.
    Sorry 4 my bad English.
    Thanks
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    • Profile picture of the author Eugen Prodan
      Originally Posted by iamgoutam View Post

      So before purchase pls check out the companies' reliability, search then on wikipedia and find discussion on forum.
      Thanks for the comment.

      As I said above, it's a pretty reputable coach on the Warrior Forum. And I did some extensive research too before signing up, bud.
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  • Profile picture of the author sugaonline
    30 day money back refund and he said you have to wait for 60 days before you get money back, if i where you before purchasing any product i will conduct a search on that person you where purchasing from ask in the forum,google any thing possible
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  • Profile picture of the author sbucciarel
    Banned
    Do a chargeback if you paid by credit card. Take the issue out of his hands.
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    • Profile picture of the author Brent Stangel
      Originally Posted by sbucciarel View Post

      Do a chargeback if you paid by credit card. Take the issue out of his hands.
      Contact your card carrier. That should have been step #1.
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  • Profile picture of the author bennie07
    As stated previously, get in touch with your credit card company. I've had this to happen to me and I immediately contacted my card company, so they could be aware of the problem while it was current.
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  • Profile picture of the author Sarah Operman
    Take a screen shot of the refund policy and pull up a website that shows time so you can prove when you asked. Then call your card an issue a charge back. You can also send the site an email telling them you will issue a charge back if they do not refund you.
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  • Profile picture of the author OptimizeNova
    Originally Posted by Eugen Prodan View Post

    I signed up for a coaching program and after being unsatisfied with it, asked for a refund within the 30-day refund time frame.

    Two and a half weeks and still no refund.

    Here's the response I got from the guy: Since it was a $500 program, the merchant account puts a hold on high ticket transactions like this. Therefore, it will take up to 60 days to get the refund.

    I didn't pay via Paypal/JVzoo/ClickBank. It was some other, less known platform. (Maybe Dealguardian)

    Does this sound fishy to you?

    Thanks in advance,
    Eugen
    I would say that someone is buying time for something... I don't know for can he/she buy time for, other than a scam. $500 is no longer such big money so it will take 60 days to refund...
    Search answers from Google, but also build a pressure on that person to refund You. Being nice won't get You the money!
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  • Profile picture of the author talfighel
    If that person is honest, then wait 60 days and then see if you really get that refund or not.

    If you don't, then you know that he is not as honest as you think he is.
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    • Profile picture of the author Jeff Lenney
      Originally Posted by talfighel View Post

      If that person is honest, then wait 60 days and then see if you really get that refund or not.

      If you don't, then you know that he is not as honest as you think he is.
      So you're saying he should wait and do nothing so he can know for sure if the person is honest or not? Is it your product? LOL
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      • Profile picture of the author Eugen Prodan
        Originally Posted by sbucciarel View Post

        Do a chargeback if you paid by credit card. Take the issue out of his hands.
        Originally Posted by Brent Stangel View Post

        Contact your card carrier. That should have been step #1.
        Originally Posted by bennie07 View Post

        As stated previously, get in touch with your credit card company. I've had this to happen to me and I immediately contacted my card company, so they could be aware of the problem while it was current.
        Originally Posted by Sarah Operman View Post

        Take a screen shot of the refund policy and pull up a website that shows time so you can prove when you asked. Then call your card an issue a charge back. You can also send the site an email telling them you will issue a charge back if they do not refund you.
        Originally Posted by OptimizeNova View Post

        I would say that someone is buying time for something... I don't know for can he/she buy time for, other than a scam. $500 is no longer such big money so it will take 60 days to refund...
        Thanks a lot for the advice!

        Originally Posted by eljeffe77 View Post

        So you're saying he should wait and do nothing so he can know for sure if the person is honest or not?
        Was thinking the same thing
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  • Profile picture of the author Rod Cortez
    Originally Posted by Eugen Prodan View Post

    I signed up for a coaching program and after being unsatisfied with it, asked for a refund within the 30-day refund time frame.

    Two and a half weeks and still no refund.

    Here's the response I got from the guy: Since it was a $500 program, the merchant account puts a hold on high ticket transactions like this. Therefore, it will take up to 60 days to get the refund.

    I didn't pay via Paypal/JVzoo/ClickBank. It was some other, less known platform. (Maybe Dealguardian)

    Does this sound fishy to you?

    Thanks in advance,
    Eugen
    Yep, very fishy, You write him back that any reputable business person would stand behind their refund policy and he would refund you within a reasonable period of time. I would say 1 to 10 business days would be reasonable.

    It's already been 2 1/2 weeks so I would simply tell him to refund you immediately, within 48 hours or you will be contacting your credit card company and start the chargeback process.

    How did you pay for this transaction?

    Secondly, is this individual selling anything here on this forum?

    RoD
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    • Profile picture of the author Eugen Prodan
      Originally Posted by Rod Cortez View Post

      Yep, very fishy, You write him back that any reputable business person would stand behind their refund policy and he would refund you within a reasonable period of time. I would say 1 to 10 business days would be reasonable.

      It's already been 2 1/2 weeks so I would simply tell him to refund you immediately, within 48 hours or you will be contacting your credit card company and start the chargeback process.

      How did you pay for this transaction?

      Secondly, is this individual selling anything here on this forum?

      RoD
      Thanks a lot for the advice! I will definitely follow it.

      I paid via credit card.

      Yes, this guy is still selling the program here on the forum .
      In fact, I just saw a banner ad on the WF marketing his coaching program the other day ..

      Eugen
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    • Profile picture of the author Eugen Prodan
      Originally Posted by Rod Cortez View Post

      Yep, very fishy, You write him back that any reputable business person would stand behind their refund policy and he would refund you within a reasonable period of time. I would say 1 to 10 business days would be reasonable.

      It's already been 2 1/2 weeks so I would simply tell him to refund you immediately, within 48 hours or you will be contacting your credit card company and start the chargeback process.

      RoD
      I warned him about the chargeback and here's the reply I got (copied exactly as I got it):

      I don't think you understand I don't have control over it, it's not my policy.

      My merchant account looks at transactions based on risk, if you have a history of refunds and chargeback you can be placed on a blacklist so merchants will conduct an investigation.

      Also PayPal can hold funds up to 180 days as can MasterCard and Visa.

      I understand your frustration but there us nothing I can do. You will get your refund you will just have to be patient.


      Again, does this sound truthful to you? Or BS?
      Will appreciate your feedback. Thanks.

      Eugen
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      • Profile picture of the author CyberAlien
        Originally Posted by Eugen Prodan View Post

        I warned him about the chargeback and here's the reply I got (copied exactly as I got it):

        I don't think you understand I don't have control over it, it's not my policy.

        My merchant account looks at transactions based on risk, if you have a history of refunds and chargeback you can be placed on a blacklist so merchants will conduct an investigation.

        Also PayPal can hold funds up to 180 days as can MasterCard and Visa.

        I understand your frustration but there us nothing I can do. You will get your refund you will just have to be patient.


        Again, does this sound truthful to you? Or BS?
        Will appreciate your feedback. Thanks.

        Eugen
        Payment processors can definitely hold money and setup reserves. But the idea that those limits are preventing them from sending a refund sounds like total BS.

        Can you go to their thread and look to see what payment processor they are using? And let us know...
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        • Profile picture of the author Sid Hale
          You're getting some good advice here, but...

          Originally Posted by Rod Cortez View Post

          It's already been 2 1/2 weeks so I would simply tell him to refund you immediately, within 48 hours or you will be contacting your credit card company and start the chargeback process.
          Given his response - I wouldn't give him the additional 48 hours. I would initiate the chargeback immediately. Your initial refund request allowed him the opportunity to process the refund in a timely manner, WITHOUT incurring a chargeback. He chose not to refund.


          Originally Posted by Eugen Prodan View Post

          I don't think you understand I don't have control over it, it's not my policy.

          My merchant account looks at transactions based on risk, if you have a history of refunds and chargeback you can be placed on a blacklist so merchants will conduct an investigation.

          Also PayPal can hold funds up to 180 days as can MasterCard and Visa.

          I understand your frustration but there us nothing I can do. You will get your refund you will just have to be patient.
          None of those excuses are your problem. He is the one who has the relationship with the payment processor. He should have planned for refund requests (his payment processor apparently does), and made sure that he had funds available to cover those requests. PERIOD.

          Originally Posted by Escalate Internet View Post

          Payment processors can definitely hold money and setup reserves. But the idea that those limits are preventing them from sending a refund sounds like total BS.
          I agree... in fact, payment processors hold money and setup reserves specifically so that they can cover chargeback requests and not be exposed to a merchant who has withdrawn all funds and can no longer cover those obligations on their own.


          As I said, process the chargeback immediately.

          You have the right to do so. Your credit card company will NOT penalize you in any way. It becomes a red flag against him, if anything - which is why he should have processed your initial refund request rather than giving you the run around.
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          • Profile picture of the author Alexa Smith
            Banned
            Originally Posted by Sid Hale View Post

            Given his response - I wouldn't give him the additional 48 hours. I would initiate the chargeback immediately.
            Definitely.

            You gave him one "last chance" more than many people would have done. It's now time to get your money back.

            His relationship with his payment-processor is not your problem.

            .
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          • Profile picture of the author Eugen Prodan
            Originally Posted by Sid Hale View Post

            You're getting some good advice here, but...
            Given his response - I wouldn't give him the additional 48 hours. I would initiate the chargeback immediately. Your initial refund request allowed him the opportunity to process the refund in a timely manner, WITHOUT incurring a chargeback. He chose not to refund.

            None of those excuses are your problem. He is the one who has the relationship with the payment processor. He should have planned for refund requests (his payment processor apparently does), and made sure that he had funds available to cover those requests. PERIOD.

            I agree... in fact, payment processors hold money and setup reserves specifically so that they can cover chargeback requests and not be exposed to a merchant who has withdrawn all funds and can no longer cover those obligations on their own.

            As I said, process the chargeback immediately.

            You have the right to do so. Your credit card company will NOT penalize you in any way. It becomes a red flag against him, if anything - which is why he should have processed your initial refund request rather than giving you the run around.
            Sid,

            Your reply clarified some important details for me in this process. So thanks for your insight!

            Eugen
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            • Profile picture of the author Sid Hale
              Glad that was of some help, Eugen.

              Even if you had purchased through Deal Guardian... they can't subvert your option to request a chargeback via your credit card company.

              While Deal Guardian's terms are pretty explicit with regard to their "desired" method of settling a refund request from the customer... it's really just a Terms of Service (i.e. membership agreement). My guess is that if you had to join/confirm a credit card before the purchase - you would have known that it was a Deal Guardian purchase.

              Would it bother you a whole lot if you were no longer allowed to purchase through them? Heck, I'm pretty sure that they don't have enough products exclusively listed through them, that it would bother me a whole lot. I'm sure I could probably find the same product, or a suitable replacement product, elsewhere.

              On the other hand... you have a contract with your CC provider, and they not only allow you to chargeback, but they typically take the buyer's side in a dispute. The merchant must PROVE that the chargeback is unwarranted (because they have a contract with the CC provider, as well).
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      • Profile picture of the author Mark Hess
        Originally Posted by Eugen Prodan View Post


        Again, does this sound truthful to you? Or BS?
        Will appreciate your feedback. Thanks.
        If the purchase went through DealGuardian, contact them...

        From their Terms and Conditions: Terms and Conditions | DealGuardian

        3. Authors: Selling Your Products

        "Refunds: DealGuardian will handle all refund requests coming from buyers. The author will not be able to issue the refund, so if an author receives a refund request from any of his customers, he/she must forward that request to DealGuardian via the support ticket so one of our administrators can take care of it. There is no extra fee for handling and issuing refunds, but DealGuardian might deactivate a product and/or terminate any user account, at DealGuardian's discretion, if the refund rates raise beyond acceptable levels."

        a. Becoming a User/Buyer

        "Anyone may generally register to purchase Products from DealGuardian subject to these Terms and Conditions. A valid email address and credit card (and related billing information) will be required for registration and/or purchases. DealGuardian reserves the right to refuse service to any person who, in DealGuardian's sole judgment, seeks refunds without justification or with a high frequency ("Serial Refunders). To be clear, all Buyers are protected by DealGuardian's money back guarantee which can be of 7 days, 14 days, 30 days or 60 days, depending on the product Author's desired configuration for that particular product (the exact money back guarantee period for each specific product is clearly stated in the order checkout page), and you should feel confident that DealGuardian will stand behind your purchases. However Buyers who repeatedly or consistently seek refunds on many or all Products purchased, particularly where those Products have received good or better ratings may be deemed a Serial Refunder and refused further service. Any refunds outstanding will be provided and thereafter service will be refused to the account holder. In addition, DealGuardian provides a simple means of requesting refunds within the allowed money-back window for the purchased product. If a Buyer refuses to follow DealGuardian's approved procedures and the agreed-upon refund period for refunds, and instead seeks to institute a charge-back via his credit card provider, DealGuardian reserves the right to ban the Buyer for life from future use of DealGuardian or the DealGuardian Marketplace as a Buyer, Author, Affiliate, or JV Broker. YOU MUST USE DEALGUARDIAN'S APPROVED REFUND PROCEDURE FOR ALL REFUNDS."
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        • Profile picture of the author Eugen Prodan
          Originally Posted by Mark Hess View Post

          If the purchase went through DealGuardian, contact them...
          "
          Mark,

          Thank you for the detailed comment. I wasn't sure what payment processor he is using until today.He's using Infusionsoft. Here's the merchant refund policy (from Infusionsoft's website):

          You can issue a refund when the payment has settled and is no longer a pending charge on the customer's account transactions. Because the payment settled, the funds will be deposited into your account and the subsequent refund you issue to the customer will be debited from your account. Whereas no funds are actually exchanged in the void option, the refund option will return the funds to the customer after they were previously charged. Both the charge and the refund will appear on the customer's account transaction history.
          Refunding options in Infusionsoft | Infusionsoft User Guide

          Nowhere in there it says anything about "high ticket transactions" that will take up to 60 days to be refunded. Or am I missing something??

          Again, thanks for your comment.
          Eugen
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  • Profile picture of the author Alexa Smith
    Banned
    Originally Posted by Eugen Prodan View Post

    Does this sound fishy to you?
    Yes, to me it sounds very fishy indeed.

    Specifically, my suspicion is that the seller wants to try to make you wait until it might be too late for you to do a credit-card chargeback.

    Please read and pay plenty of attention to Rod Cortez's post, a couple of posts above this one. Good luck and good wishes!

    .
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  • Profile picture of the author Nathan Kruz
    File a report with Deal Guardian. They will help you in this regard.
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  • Profile picture of the author Landman
    If you don't get your money back. Make everyone aware of who this person is and what product you purchased too.

    Landman
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    • Profile picture of the author lgibbon
      Banned
      Originally Posted by Landman View Post

      Make everyone aware of who this person is and what product you purchased too.

      Landman
      That only works for the short term.
      He'll just close the wso, wait a few weeks then start a new one so there are no bad comments.
      Been going on for years.
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  • Profile picture of the author waterotter
    Leave negative feedback in the sellers thread. Do not bash the seller. Simply state the facts.
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    • Profile picture of the author Alexa Smith
      Banned
      Originally Posted by waterotter View Post

      Leave negative feedback in the sellers thread. Do not bash the seller. Simply state the facts.
      Yes ... this. Very much so. This can potentially help other Warriors.

      As a buyer of a service promoted in the forum, you're absolutely entitled to leave a calm, factual, review stating that you've requested a refund, and describing factually the difficulties you're experiencing, in getting one.

      .
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    • Profile picture of the author Eugen Prodan
      Originally Posted by waterotter View Post

      Leave negative feedback in the sellers thread. Do not bash the seller. Simply state the facts.
      Originally Posted by Alexa Smith View Post

      Yes ... this. Very much so. This can potentially help other Warriors.

      As a buyer of a service promoted in the forum, you're absolutely entitled to leave a calm, factual, review stating that you've requested a refund, and describing factually the difficulties you're experiencing, in getting one.

      .
      Was actually in the middle of typing up the feedback!
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  • Profile picture of the author bigandy1
    get in touch with your credit card company. I've had this to happen to me and I got in contact with my card company, so they could be aware of the problem while it was current. they refunded me my money but it tool them 3 weeks
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  • Profile picture of the author aabagail
    As the guys said you that you will get the money withing 60 days, I hope you can wait for the expected day. I think the person is honest, he will refund you. on the other hand do you have any way to retake the money? if "no", You should wait only. Nothing to do. Thanks for your patient waiting.
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    Cool

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  • Profile picture of the author Rod Cortez
    Waitamintue, hold, pause.......

    I did not know this purchase was being made through Deal Guardian. On top of that I was not familiar with their policies and just read through their "Refunds and Cancellations" section in their help area. Before you do anything else, I would contact Deal Guardian's support team via their ticket system, input your details there, and find out, if in fact, it's going to take that long to get your refund.

    Don't do a chargeback yet (I hope youd didn't) as this may very well be out the vendor's hands and it wouldn't be fair to damage his reputation with DG.

    I take back what I wrote previously as I gave my advice too hastily. I think it's paramount to find this out first as the seller may be telling you the truth, but the only way to really know this is to confirm it with Deal Guardian.

    RoD
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    - Jim Rohn
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    • Profile picture of the author Eugen Prodan
      Originally Posted by Rod Cortez View Post

      Waitamintue, hold, pause.......

      I did not know this purchase was being made through Deal Guardian. On top of that I was not familiar with their policies and just read through their "Refunds and Cancellations" section in their help area. Before you do anything else, I would contact Deal Guardian's support team via their ticket system, input your details there, and find out, if in fact, it's going to take that long to get your refund.
      Thank you for your comment, Rod.

      As I said in my post from above, I only found out today that Infusionsoft is the payment processor, not DealGuardian.

      Also, to be clear - at the time of the sign up, I wasn't given any customer support system, other than the email address of the coach.No support ticket system from Infusionsoft or anything like that. So if he is not helping me out via his email, I think it's fair of me to contact my bank.
      (Plus, blindly believing him and waiting 60 days is simply not a smart idea, given the risk of me not being able to inintiate a chargeback after 60 days. (Yes, I do not have any trust anymore in this guy, so I admit he could not honor his refund policy)

      Originally Posted by Rod Cortez View Post

      Don't do a chargeback yet (I hope youd didn't)
      Yes, I've already initiated the chargeback,

      Thanks a lot for your insight,
      Eugen
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      • Profile picture of the author Tom B
        Banned
        Originally Posted by Eugen Prodan View Post

        Yes, I've already initiated the chargeback,

        Thanks a lot for your insight,
        Eugen
        Great, I don't think you or anyone should be spending a large amount of time even thinking about it. Get er done and get to more worthwhile things.
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  • Profile picture of the author Rod Cortez
    Obviously we need to know how his payment was processed then before we can give him some accurate advice. Something I still should have taken into consideration before advising the OP to do a chargeback.

    Hopefully the OP comes here and chimes in.

    RoD
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    "Your personal philosophy is the greatest determining factor in how your life works out."
    - Jim Rohn
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  • Profile picture of the author waterotter
    If the seller isn't playing by the rules, report that seller to the mods.
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