Is it possible to repay a dispute that was found in my favour?

Bossworld

Long story short, a pre order bonus/voucher didn't arrive after 30 days, and lots of people have been messed around by Samsung, claiming the offer didn't exist.

I cut out the middle man and raised a CC dispute, supplied the evidence and it was settled/closed in my favour within 24 hours, and the money has come back to my account.

It seems Samsung is now backtracking following heavy pressure and the vouchers may be coming in the next week or so.

If they do eventually arrive, can I call the credit card company and ask them to reverse the closed dispute?

Given how many layers of Samsung's organisation other people have trawled through trying to get their vouchers, I don't fancy trying to explain to a 1st line CS rep that they need to charge my card for a transaction they won't understand.

Thanks

TheBanker

Yes you can ask. It is up to the Credit Card issuer whether they bother to reverse the transaction or not.

How much was the refund? If it's a low value the credit card company may well have written it off themselves. They sometimes do this when the admin costs of raising a dispute are more than the amount being disputed. If this has happened, then they should reverse it.

DullGreyGuy

Bossworld said:

I cut out the middle man and raised a CC dispute, supplied the evidence and it was settled/closed in my favour within 24 hours, and the money has come back to my account.

How long ago was this?

No dispute is settled in 24 hours, assuming its a chargeback the bank will recredit the monies within 24 hours if they accept the dispute however warn you it will be debited again if your chargeback fails. To close it is more likely a month than a day. 

As has been said though, for a low value dispute the bank may not actually process it as a dispute but instead just reimburse you out of their own pocket as the time/cost for the dispute isnt worth the effort for them.

Bossworld

DullGreyGuy said:

Bossworld said:

I cut out the middle man and raised a CC dispute, supplied the evidence and it was settled/closed in my favour within 24 hours, and the money has come back to my account.

How long ago was this?

No dispute is settled in 24 hours, assuming its a chargeback the bank will recredit the monies within 24 hours if they accept the dispute however warn you it will be debited again if your chargeback fails. To close it is more likely a month than a day. 

As has been said though, for a low value dispute the bank may not actually process it as a dispute but instead just reimburse you out of their own pocket as the time/cost for the dispute isnt worth the effort for them.

I take your point but unsure how AmEx are operating with them being both issuer and bank, as it's all showing as fully closed. Thankfully only ever had cause to raise a dispute three times in 11 years but followed the same pattern, hence I use Amex whenever I can.

I had a scan through the merchant guide and it seems (with AmEx at least) retailers only have extremely limited right of reply. I'd provided a tonne of proof when I raised the dispute so it was concrete at the time.

It's two sets of £100 so in the grand scheme of both Samsung and AmEx it's a drop in the ocean, but doesn't feel morally right to keep it (if the vouchers ever materialise).

You'd hope that Samsung will just not send me the vouchers but I'm sure we're all aware how disjointed large companies can be.