I have a former client who purchased $450 worth of services from me. They paid $100 deposit for a tattoo appointment, and they paid $350 for a graphite/pencil portrait drawing. 9/13/24. I have a strict no refund policy. It is in the contract you sign upon receiving the tattoo as well as in the terms when you make any purchase in my shop, good or services.
Approximately four days after making the purchases, Square informs me that the transactions have been disputed.
I reached out to the client only to be informed by her, that the bank submitted a fraud alert on the transactions and requested the customer respond. She says she was sick and missed the fraud alert, and the bank disputed the charges in her behalf without her knowledge. This was September 16, 2024. She said she called the bank and canceled the dispute!
For weeks she insisted that she was awaiting the dispute cancellation letter. She claimed she was so angry at Chase Bank that she closed the acct.
Fast forward to Nov 10, 2024 when I purposefully inform a mutual friend that I contacted a lawyer about the dispute. Of course the mutual friend has zero loyalty and told the client everything I said to her. Which was my hope.
On November 16, 2024 I finally received the dispute cancellation letter via text. 2 months and 3 days later! Astonishingly it is dated November 10, the same day I spoke to our mutual friend.
see details below: I’ve removed personal info.
Update:
We have updated information about your claim
Date of inquiry: 09/16/2024
Claim number: [Redacted]10001
Card ending in: ——————-
Claim related to account ending in: ———
Dear ————————-
We have researched the transaction(s) you reported on 09/16/2024.
Here's what you should know
We found that the transactions) was processed according to the information you provided or was authorized.
- As a result, we are removing $450.00 from your account on or after. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit(s).
- Contact us if you would like to request the information we used for our research.
Now, i’m no banking expert, but it appears from the dispute cancellation letter, The client got her money back. (Because I believe she never actually canceled the dispute)
Now Chase Bank wants their money back. And if she canceled the dispute on September 16, then why would the bank want money back 2 months later?
This person is insisting that I am attempting to assassinate their character.
Am I crazy?????
I called Chase Bank and ask them if they ever submit a dispute on behalf of a client and they said absolutely not!
So again, am I missing something? Because I am confident that this client attempted to dupe me, and our mutual friend is insistent that she did not and that I’m trippin!
I’m a small business. $450 is a LOT to trip on.
