Why did my credit card chargeback get declined for a broken product?
Credit card issuers often reject warranty dispute claims when a merchant hides behind company policy or shuts down unexpectedly. This leaves buyers stuck paying for broken items and services they can no longer use without a straightforward way to recover their funds.
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
- 1filing a second chargeback
- 2suing the company in small claims court
- 3relying on credit card extended warranty benefits
- 4looking into the issue to see if refunds or recourse are possible
In their words
Unedited, most upvoted first, each linked to the thread it came from.
“The company is refusing to replace it under US law due to what their policy says.”source ↗
“For some reason it got declined in favor of the merchant.”source ↗
“Anybody else on here who used Policy Engage and are dealing with the sudden shutdown?”source ↗
“We paid for a year of service and got about 3 months before the websites shut down.”source ↗
“I’d love to get our money back if possible.”source ↗
“Now I'm stuck with a broken printer.”source ↗
Where this came up
People with this problem also raised
- 12How to handle international returns when a seller claims item was fine
- 3Why am I getting refund requests for orders from years ago?
- 15Why does Etsy automatically refund buyers without seller approval?
- 2Merchant says refund went to a closed card but bank has no record
- 3How do I turn trapped crypto into real money after a scam?
- 3Why does return shipping cost more than the item?