BATTLEBORN
WKR
I think what he is saying, Atlas has 90 days to dispute the chargeback. The consumer gets the benefit of the doubt and gets the credit from the CC company right away.
The vendor can then counter the chargeback but has to make a very valid case.
We have them come up in our business with some frequency. About 1 or 2 a month. Out of 4000+ transactions.
No real surprise, from people who are months behind on their monthly payments as a rule. In 15 years we have "lost" only one when we provided our side of the story. Ironically it was the same or similar story we use each time. As the facts tend to not vary much.
I chalk that one up to someone got lucky that day.
If Atlas does not dispute the chargeback or is unable to provide a valid argument why the chargeback is not warranted consumer never hears about it again.
If Atlas is able to provide evidence that the chargeback is not valid and they are entitled to bill you, then you are charged again for the item.
Of course, in this case, I can't see that happening.
This is exactly the case. This is the first dispute I've ever had to make with a CC company. If some how Atlas wins and I get Charged back I will be changing CC companies and filing every kind of Fraud report I can against Atlas. For now my account will be credited within three days.