My Chase Freedom dispute success story

nick1985

Lifer
Dec 29, 2002
27,158
6
81
So last Friday, I locked myself out of my apartment. I had taken my key off and tied it around my shoelace to run with, but I forgot to put it back on my keychain. DOH! I have since had an extra made just for running, learned my lesson.

Anyway, I didn't realize I was locked out until I came home from a night out, around 1AM. I tried calling my apartment maintenance service, no answer. Ugh. I had to be somewhere in the morning so I needed in. I looked up a locksmith from my phone, and found one that advertised $15 locksmith service. I called them up, and they said they were sending someone out. Cool, I thought. :thumbsup:

Two guys show up, eastern European and they hardly speak any English. The one was just along for the ride, but the other was a badass locksmith. Opened my door in about 5 seconds.

I then pull out $30, $15 for the fee and another $15 tip. He says, "NO, its $180". I said your website advertised $15. He says, "No, $180. Its late" (I assume some sort of fee for the time). I said I don't have $180, I have $30. Which was true that's all I had. He then demands that I follow him and his friend to an ATM so I could give them $180. I said that is extremely dangerous and refused to go.

At this point, I should have threatened to call the police. I didn't, I was not thinking straight as I was starting to get a little nervous with the two of them getting upset. I told him I'd pay him the $180 with my credit card, thinking I would just dispute the fuck out of it. He got pissed off that I wasn't paying in cash. Finally charges me with the CC. I wake up the next morning, and he charged my CC $200. LOL what a piece of shit. $200 to unlock a door.

After the pending charge cleared I called up Chase, they sent me dispute forms and I just typed up my story, printed out their add off the internet advertising $15 and sent it in. I called them to follow up on it, and the representative went over my paperwork, and said he was going to put $185 back on my card. $200 - their alleged $15 fee.

BAM! Take that you POS locksmith.

:thumbsup: to chase.
 

ch33zw1z

Lifer
Nov 4, 2004
38,160
18,531
146
So, you call someone in the middle of the night to open your door and you think it's going to be $15?

*face palm*
 

SunnyD

Belgian Waffler
Jan 2, 2001
32,674
145
106
www.neftastic.com
So now some eastern european transplant has your credit card number AND a grudge against you.

Hope you had your card cancelled and a new one issued while you were filing your dispute.

You may also want to move, since they know your address too.
 

Newbian

Lifer
Aug 24, 2008
24,784
851
126
To bad the guy knows where you live and knows how to unlock your door in under 5 seconds...
 

nick1985

Lifer
Dec 29, 2002
27,158
6
81
So now some eastern european transplant has your credit card number AND a grudge against you.

Hope you had your card cancelled and a new one issued while you were filing your dispute.

You may also want to move, since they know your address too.

He phoned in the CC number to their call center to have it charged. I doubt he remembers it.
 

nick1985

Lifer
Dec 29, 2002
27,158
6
81
To bad the guy knows where you live and knows how to unlock your door in under 5 seconds...

There is a front security door that he doesn't know the code to, but I assume he could break into that as well.

I guess I'll have to shoot him if he breaks in. :thumbsup:
 
Last edited:

nick1985

Lifer
Dec 29, 2002
27,158
6
81
Plus I doubt that locksmith will ever know I disputed it. From the sounds of it, its a company that sub-contracts out their service calls. He was wanting $180 because he thought he could score big if I paid him in cash, he would only have to fork over a small portion of that back to the contractor.

When he realized that was not going to happen, he got pissed and just charged the fuck out of my CC to "get me".

At least that's what I think happened.
 

nick1985

Lifer
Dec 29, 2002
27,158
6
81
A google ad? lol

BTW, you won an iPod too...

Yeah dude, you fucking got me. I messed up by calling them at 1AM to let me in. Understood. Also I tried about 7 or 8 locksmiths, and they were the only ones who answered.
 

ch33zw1z

Lifer
Nov 4, 2004
38,160
18,531
146
Yeah dude, you fucking got me. I messed up by calling them at 1AM to let me in. Understood. Also I tried about 7 or 8 locksmiths, and they were the only ones who answered.

No no, you didn't "mess up" by calling them, $15 in the middle of hte night is not realistic as you've recently found out. I'm just ribbin ya because it sounds like a youngster mistake. Anything after 1700 and before 0800 is going to be in the hundreds almost everytime.
 

nick1985

Lifer
Dec 29, 2002
27,158
6
81
No no, you didn't "mess up" by calling them, $15 in the middle of hte night is not realistic as you've recently found out. I'm just ribbin ya because it sounds like a youngster mistake. Anything after 1700 and before 0800 is going to be in the hundreds almost everytime.

Yes I thought $15 was cheap. It would have been one thing if they told me it was going to be 12x that amount when I called them, but that might be partly my fault for not asking, I just wanted someone to let me into my damn room.

What pissed me off was when he was demanding I follow him to an ATM? Fuck no. Piss off
 

Wyndru

Diamond Member
Apr 9, 2009
7,318
4
76
After the pending charge cleared I called up Chase, they sent me dispute forms and I just typed up my story, printed out their add off the internet advertising $15 and sent it in. I called them to follow up on it, and the representative went over my paperwork, and said he was going to put $185 back on my card. $200 - their alleged $15 fee.

:thumbsup: to chase.

I thought most credit card companies you just click "dispute" charge on the website without having to do all of this? That's all I've ever done, even with chase. They don't care, they give you the money up front, then pursue the company that charged you to fill out the forms. I'm not sure why you needed to fill out forms.
 

nick1985

Lifer
Dec 29, 2002
27,158
6
81
I thought most credit card companies you just click "dispute" charge on the website without having to do all of this? That's all I've ever done, even with chase. They don't care, they give you the money up front, then pursue the company that charged you to fill out the forms. I'm not sure why you needed to fill out forms.

Chase sent me paperwork to fill out. They wanted to know what happened and to submit any sort of evidence that I had.
 

nick1985

Lifer
Dec 29, 2002
27,158
6
81
Indeed, fuck no!

If he had calmly explained some sort of after hours fee, didn't demand that I follow him and his friend to an ATM in the middle of the night, and didn't throw a temper tantrum when I didn't have cash....I probably would have just taken it as a lesson learned and paid it.
 

Newbian

Lifer
Aug 24, 2008
24,784
851
126
Surprised the guy didn't get the money before doing the job or them charging you on the phone before the door was open.

What would had prevented you from simply going in the room and closing the door behind you if you never signed anything or agreeing to a fixed price on the phone.
 

ch33zw1z

Lifer
Nov 4, 2004
38,160
18,531
146
Surprised the guy didn't get the money before doing the job or them charging you on the phone before the door was open.

What would had prevented you from simply going in the room and closing the door behind you if you never signed anything or agreeing to a fixed price on the phone.

Maybe the two gruff lock smiths that can get in behind you?
 

nick1985

Lifer
Dec 29, 2002
27,158
6
81
Surprised the guy didn't get the money before doing the job or them charging you on the phone before the door was open.

What would had prevented you from simply going in the room and closing the door behind you if you never signed anything or agreeing to a fixed price on the phone.

lol, cheesewiz beat me to it.
 

Wyndru

Diamond Member
Apr 9, 2009
7,318
4
76
Chase sent me paperwork to fill out. They wanted to know what happened and to submit any sort of evidence that I had.

That sucks, I hope that's not a new thing chase is requiring. I guess people are abusing it so they need proof before they proceed.


I just disputed one from Discover a couple of weeks ago, and it was literally 1 click on the website, I had my money back within 4 hours, no paperwork needed. The company that I disputed with called me 3 days later apologizing for the error, so I know that discover followed up with them quickly.
 
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