Consumer Guarantee Loophole for Retailers

I just wanted to make a post here to inform those who might not already know that there is a massive loop hole in the consumer law that under certain circumstances has the potential to get the retailer off scot free from any liability they may have in relation to the ACCC regulations.

It concerns to payment methods in particular paying using an EFTPOS machine or online credit card. Under the ACCC regulations if a product has a major failure the store must offer you a remedy of either a refund, replacement, or repair and the choice of what one is your decision.

However if the product cannot be repaired due to no parts being manufactured or any other valid reason and is discontinued so cannot be replaced the store is left with the only option of giving a refund. The issue here lies in that if you made a payment using EFTPOS or online CC its tied to a particular card number and most retailers Terms require that the exact card used must be the card to accept the refund and the ACCC advised me that it is an acceptable term for them to enforce.

If you use Apple pay or Google wallet they both generate a virtual card for each individual purchase also if you replace your physical card with a different card number this applies.

After the retailer refused to issue a refund due to my card number not matching up and was unable to offer any other resolution due to the item not being able to be repaired and the item discontinued I hit a wall. Because that card doesn't exist its impossible for me to provide that card to receive the refund.

After that I opened a complaint with both ACCC and The Department of Commerce WA and both ruled in favor of the retailer sating that they have offered me an acceptable remedy under the ACCC regulations and that the stores policy does comply with their regulations and because it is me who is unable to fulfil my end due to not having the correct card number it becomes a civil dispute where both parties have to find an agreement outside of the regulatory body and they can offer no help to either party.

So just as an FYI be carful how you pay for something because if you cant provide the exact card used to pay the store has the right to refuse a refund and the ACCC agrees.

Edit
[Just to add I have tried coming up with an agreement with the store manager and they just didn't want to budge on their stance and the head office said its up the the individual store managers to handle in store returns. This post was just to advise users that in this particular gray area I have found myself in that stores have a lot more freedom compared to what the wording in the ACL implies they do.]

Final Update.
[So just as an update the area manager called me this morning and I had a good chat with them and at the end of it they agreed to give me the refund. The store has the policy in place to prevent fraud/theft and it has been pushed really hard in the recent months due to false returns increase and the store manager took the policy a bit too seriously. They said that the managers are allowed to use discretion based on the individual circumstance and that this will be discussed with the store. They also will be sending me a gift card as an apology.]

Comments

          • +2

            @RustyNail1: Both you and the store are making this so much more complicated than it needs to be.

            Why not show a bank statement with the transaction amount and timestamp highlighted matching that of the receipt?
            This proves that you didn't steal someone else's receipt to claim a refund.

            • -1

              @DoctorCalculon: Yeah I tried that showed them on my phone that also has a picture of my card and the card number matching my physical card I held in my hand in front of them they said it doesn't matter what my phone says it what's on the receipt that they have to go off they are not willing to work in any way really.

              • +4

                @RustyNail1: Well, then. It is time for you to name the store.

                At the end of the day, the store is obligated to provide at least a remedy under the consumer law, and not leave the customer in limbo.

                • -2

                  @DoctorCalculon: Nah I'm not gonna name them directly. I will be chasing this up any way I can and post an update next week if I have something to update.

            • +3

              @DoctorCalculon:

              Both you and the store are making this so much more complicated than it needs to be.

              I feel the OP has rubbed the store the wrong way from the start, so now they are playing hardball. Don't blame them based on the replies here to people trying to help!

              • @JimmyF: Happened to me in David Jones. I was ultra polite, but the lack of understanding of the technology made them think I was being dodgy. A few years ago now. And once they thing you are being dodgy they won’t listen or try to understand. I did solve it by finally getting a senior manager to look at the transaction on my account where the number did match my physical card.

            • @DoctorCalculon: I did that and was successful, but it was difficult to get anyone to try and get their head around it. Took over an hour, and with the absolute stubborness the OP describes.

          • -4

            @RustyNail1:

            Looks like you just want to troll because I have said that so many times in this thread.

            LOL So I have to read all your other replies when you're replying to MY comment…. Yeah nah.

            and there is nothing in -C2022C00179 because I have read it

            Sure sure…. Maybe all the stores are out to get you by having a policy aligned like they do. Gee wonder why they do that!

            • +1

              @JimmyF: I think generally people commenting should make an attempt to get enough context through other comments before they make theirs. They should also read the description. This would save many people saying the same statements/questions (eg. "Will it work if I do X?", "How much do I need to spend to get X?", "Why isn't it working when I try to put the code in before the promotion starts")

              We're also all waiting for you to win or lose that $100 via PayPal if you've accepted the deal

              • -2

                @SpainKing:

                I think generally people commenting should make an attempt to get enough context through other comments before they make theirs

                My comments had been made first…. then the OP replied to a bunch of other comments before mine, then claimed I didn't read his other comments made mine was first made. Yeah nah, doesn't work like that.

                We're also all waiting for you to win or lose that $100 via PayPal if you've accepted the deal

                Couldn't be bothered as the OP won't pay based on their replies. Anyone who has done Anti-Money Laundering training will understand my comments, everyone else is like, PROVE IT.

        • -1

          The Anti-Money Laundering and Counter-Terrorism Financing Act might disagree with you.

          Well does disagree with him or not?

        • You seem so insistent that a law exists, why don't you prove it? I can't find anything that says by law all refunds go back to the same card.

          • @Nebargains: No such law exists.

            Although I would expect CC companies would require this in their terms. Otherwise there would be a loophole to get free points and cash advance by charging something on CC then refunding it onto another card.

  • This did happen to me in Kmart, I noticed my Samsung Pay was sending me a few notifications of "information updated" and had no idea what it was. Went to Kmart with my CC statement so they found the receipt, but because I tapped to pay, I realised the card number was the info that was updated and was different and they refused to refund. They did give me a credit but man that was annoying.

  • Probably your approach maybe. Certainly i have returned something without the card, and with sweet talk they returned it on another card.

    It is probably anti theft policy colliding with ACL.

    Just talk to the manager.

    • I doubt it was the OP’s approach. When it happened to me the staff attitude was that I was dodgy and not to be trusted.

  • +1

    When brains go out the window, in order to follow regulation to the letter.
    Blind faith to the (broken) system.

  • Paypal

  • +1

    Lets get this straight.

    1. they wont fix/replace the item as they cant due to parts etc.
    2. they wont refund you any money because they cant put it back onto your exact card.

    Govt agencies say they can do this.

    So if what you say is true, then use the court of public opinion. The one that political staffers use every time.

    ACA or any other media outlet would love to interview the manager of the franchise/branch.

    Plus the manufacturer and or Apple/Samsung would most likely love to get involved as well, as it wouldn't be good for them either.

    Hey you might be famous they could fix the loophole to be known as the "RustyNail1 Law"

  • +1

    This story - while i believe it happened - does not represent the state of the law.
    If there is a breach of the consumer warranties under the ACL the breach is either major or minor.
    If it is minor then the supplier gets to elect a repair, replacement, or refund.
    If the supplier elects repair or replacement, but that cannot be accomplished within a reasonable time, the minor breach can become a major one.
    At this point the consumer gets to elect - and elects a refund. They also reject the good and return it.
    At that point the supplier is obliged to refund - and is not entitled to say that they will not refund because the card used is no longer available. That is not a defend to the obligation to refund.
    Simple.
    The reality is that neither the ACCC or DMIRS will prosecute the matter for you. They can advise (badly it appears), and can act as an intermediary, but if the supplier will not co-operate, you are on your own to enforce your rights.

  • +4

    This so called loophole has become an anomaly real quick. And the goal posts in the story have not stopped zig zagging

    • +1

      A couple of people seem to not be able to comprehend that this happened.

      The whole point of the post was simply just to warn others that there is a situation in witch a retailer can make it really difficult to get a refund and the ACCC doesn't have a simple solution for it in its current state. Even app payment aside if you decide to switch banks or your CC gets stolen so you get a new card number it has the potential to cause this same scenario.

      • +1

        I'll wait as further details drift in before I add to the mix. But suffice to say, if this giant loophole exists, the greater good would be to name the store and branch. Because that 'same scenario' potential is worthy of a PSA.
        We all know the ACCC are a part of the problem , not the solution, when it comes to sticking it to the man.

      • Are you able to go to the manufacture for a resolution?

        • I haven't done that just yet as this happened on Friday and they are closed on the weekends. But I am going to try deal with them directly and hope that they would rather just remedy this for me than have a dissatisfied customer.

      • situation in witch a retailer

        Only those retailers based in Salem outside of the ACCC jurisdiction….

  • +5

    OP is in the difficult position of dealing with a government body and retailer that are ruling against them. They've kindly shared this experience and scenario which could happen to others.
    Thanks OP. I'm unsure why so many comments are shutting down your story so hard. You aren't an expert on the topic and you're just caught in a situation you don't want to be in. You have my sympathies.

  • TLDR??

    • +8

      • OP won't mention name of retailer.
      • OP won't mention product or manufacturer.
      • OP isn't telling us the whole story as to why the retailer is being a d**k.

      • +4

        • OP also doesn't know their rights.

  • +1

    So many things i dont know about credit cards, i recently found out a company can still charge your expired credit card if its in their T&C s, just had to cancel all my credit cards n order ones with new numbers so it stopped happening

  • +3

    I returned an item to Bunnings last week and they just started enforcing a new rule that the CC number on the receipt must be used to get the refund. They would not refund it if the card numbers did not match. And of course I didn't remember that I used the Apple pay on my phone so none of my card numbers matched. When I did realised it was on my phone and showed the matching number for Apple pay, the CSR wouldn't accept it because he said they needed the actual card (WTF). I had to get a manager to come fix it.

    • Well that sucks. I always do credit voucher with Bunnings. Sometimes for items I did not have receipt… Didn’t have a problem so far.

      If more stores starts enforcing this bs, it’s going to be a huge problem for mostly everyone as everyone is using apple/google pay on their phone and watch

      • That's why at ALDI I pay with cash, so if it needs to be refunded, I get the cash back directly!

        • i just tell aldi i dont remember the pin and request cash refund

          in hindsight also they shouldve given me item for free/full refund for incorrect price scan

      • class action ..

    • +1

      So did they eventually accept Apple pay for the refund?

  • +2

    SMALL CLAIMS COURT

    • Yes.

      If the OP feels he has exhausted the 'usual' remedies and proecsses, simply file a claim in the WA equivalent of the Small Claims Court.

      Just doing so will likely prompt the retailer to reach out.

      Any magistrate would look at the circumstances and say it's ridiculous: just give the man his oney back, a gift card, a store credit, whatever.

      And the retailer would know this (as they have obviously been acting on bad faith), and fix it before it came to a hearing.

  • An elderly friend of mine made a purchase at K-Mart and I thought I would be able to return it for her seing as it is hard for her to get around. But K-Mart's strict policy is that you must have a matching credit card number to the receipt. I even asked for a manager as I was actually exchanging it for a larger more expensive one and they could not do it. Said the receipt had to match the card being used. Frustrating as hell!!!!

    • +1

      Can I just say that what Kmart did is actually against their own refund policy. I had the same thing happen to me. Stores seem to be making up their own policies.

      I went to return an item my wife bought using our credit card but because it was on her phone it was a different account number. The store refused to offer me the refund despite it being the same physical card. I tried to explain to them how the whole system works but they still refused the refund. I called their headoffice (yes im petty) and they told the store manager to process the refund.
      While this was occurring, I noticed their refund policy on the counter. Specifically under 'Notes' it stated: In the event that the physical or virtual credit card number cannot be verified as the original form of payment, the store will be required to verify the purchaser with photo id.
      I pointed this out to the manager who then tried to pass it off as it referring to the issuing of store vouchers. The wording is very clear, it refers to the issuing of refunds. Eventually they processed the refund, but it was an hour waste of my time.

  • @rustynail1 If the store has now accepted that they need to refund you, it is now essentially your money. They cannot keep it with them indefinitely. They will need to disclose it as unclaimed money and forward it to whichever the government agency in your state that manages unclaimed money. After few years, search in the unclaimed monies register and claim from the government. If it does not appear, then dob them in for non-compliance.

  • I had this issue with a Bunnings return for a defective product.
    Took a while for me to explain that Google Pay generates a unique number for each transaction, etc.
    Eventually got a refund on any card I wanted.

    Edit: P.S. Call your bank to do a charge back.
    Nab (cc) and Ubank (savings) have never let me down with charge backs, it just takes a couple of months for the money to come through.

  • I happen to have an 2 months old receipt on my desk from Google Pay transaction.

    The last 4 digits shown on receipt is the same as the Vitrual Card number now, and I've been using that for all my payment transactions in between. On top of that I had a replacement card (of the same card number) just few days ago.

    So, I don't think Google Pay change Virtual Card number after each transaction.

    OP must have changed card or did something in Google Pay service in between purchase and refund that caused change to the Virtual Card number.

  • I would have tried returning this item to another store. It sounds like the store manager was being unreasonable. If that didn’t work I would try escalating to the area manager.

    I had an experience returning something to IKEA and similarly when they went to process the refund they asked to see the card. I showed them the only card I would have used and the numbers didn’t match up. I got the manager to come over and quizzed them about this and they asked me if I had the card loaded into ApplePay. Turns out I used ApplePay instead of the card itself. They got me to go into the wallet and show them the last four digits of the ApplePay card then I just tapped to get the refund.

    I understand why this might be an issue though. People could do the dodgy and launder stolen credit cards by adding a card to ApplePay, purchasing a high ticket item, get a refund showing the last four digits, then quickly switch to another card for the refund. These digital cards have no ID associated to them except a billing address which can be entered manually (including the name) so it’s hard for the store to verify if the card in customer’s ApplePay wallet belongs to them.

    The store could insist on tapping the correct card themselves for the refund but I don’t think that’s possible because people don’t like strangers going through their phones and I think technically the tapping gesture is considered the equivalent of a signature i.e no one except the card holder is suppose to do this.

  • Time to name the retailer!

    • -1

      EDITED. Ops massive loophole has disappeared. We can all shop safely again

  • Apple pay or Google wallet they both generate a virtual card for each individual purchase

    This is incorrect

  • Have you taken them to your state's equivalent of NCAT? It sounds like you've only gone to your state's Fair Trading, which normally doesn't have the power to give enforceable advice. I don't know how involved the ACCC was since I was under the impression they don't deal with individual cases.

    This certainly doesn't sound fair and the manager is messing with you when refusing to give a gift card due to the refund issue, and I'm fairly confident NCAT would rule in your favour.

  • I’m frustrated for you OP. I didn’t realize Apple Pay generates different number until went to return items to lidl in Ireland. Only then did both the agent and I learn that happens. I could clearly show the payment was made and manager said he’d let staff know. Refunded np.
    It’s the not understanding your actual card is used but that number isn’t generated on receipt with Apple Pay. Being able to prove it should be sufficient.
    Sounds like a poor store manager. I’d be furious as it’s nitpicking to not refund yiu when you have proved the purchase. Store credit even. Also have to say disappointing Head Office didn’t offer solution.
    Are they franchised sttore? Meaning that store loses money? Trying to understand as the bad publicity about this if we eventually find out which store would deter from shopping there.
    Wishing you best of luck to get resolution in $’s.

  • +2

    Chargeback if you can.

    Also if you used an AMEX, they provide refund (valid for few months after purchase) if the retailer refuses refund. They also offer a year of extended warranty.

  • -1

    That happened, yeah right.

    • +1

      Why would they lie about it? Seems like a pretty convoluted and believable story to just pull out of thin air

  • +2

    A couple of posts above refer to Bunnings enforcing the same card number for refunds. I had this happen for an "unsuitable" return. The original card I used had been replaced for security reasons, giving me a new card number. That explanation fell on deaf ears at Bunnings. Unlike the OP situation they offered a store credit, so that was reasonable but I decided to try another store.

    On the way there, I decided to check current prices. They had gone up quite a bit. So I thought I could try for a refund of original price again or return it for credit, but at today's prices. So that is what I chose, making a little profit in the process.

    • I had the exact same thing at both K-Mart and Bunnings.

      In the case of ‘change of mind’ as AFAIK this does not fall under ACL rules so K-Mart end Bunnings can enforce terms.

      But in the case of a defective product I don’t think it would be legal for a retailer to refuse refund if the consumer could prove that they were the original purchaser and legal owner of that card number, but that might mean getting a bank statement from the financial issuer.

      Otherwise it would be ludicrous as any payments made with cash cannot obviously be subjected to the same test, but would be eligible for a refund, and that in that instance only providing proof of purchase is sufficient to prove that one is the original purchaser/owner.

      • +1

        Bunnings would be different though. They do allow returns no questions asked. So, if they advertise that policy it would be a condition of sale. Not honouring a change of mind return then would be unconscionable conduct under the consumer laws. This was something similar to a lowest price guarantee case many years ago. Retailer do not need to offer the lowest price, but if it is advertised as the lowest price then they will need to offer at the lowest available price.

        • I’m not so sure that it’s no questions asked, though I agree in practice that has been my experience also, just that their terms don’t say that, and though they are extremely generous, however they do say that the same ‘credit card’ must be ‘present’ for a refund? Not sure what present means exactly but I assume one must produce it upon request. Also note that this is for returns with a receipt, without one it’s just a store credit AFAIK.

          So presumably if one tried to return something without the original credit card they would either refuse the refund or they would insist on a store credit instead of refund?

          • +1

            @BertieBrown: Yes, it happened with me. They gave me store credit which needed to be used within a week. But then they allowed me to buy giftcards, which don't expire.

  • -2

    dthe OPs complaint does not sound correct to me

    yes I use Apple Pay/Wallet and Google Gpay all the time - but it is always linked to my credit card account - and I don't believe the transaction would be recorded as an Apple Pay or Google Wallet temporary/virtual card number, it would be recorded with my credit card account number

    so if I wanted a refund - as I have gotten at Bunnings - they'd just ask me to tap the screen again - bing, Apple Pay, refund to my credit card account.

    so I'm thinking it's not the problem they have described.

    • +1

      The whole point of Google and Apple Pay is that the card details are not shared with the retailer, only a virtual number and a token to approve the transaction. While yes, the system can detect you are using the same virtual card when it processes the refund - the sticking point is whether the retailer will even process the refund without first checking you are the person who made the transaction. They do this by physically viewing the card the transaction was made on.

  • +1

    In my experience, refunds on the same card are sometimes asked, but never on the same card number.

    Most just allowed me to just insert the card, type the PIN, and voila refund is straight away available for us. Don't tap, because that will delay the refund being available for use by days.

    For GooglePay, you would have no choice but the tap but if the merchant knows you are paying by GPay, then usually the physical card is not asked. What about if you pay via AfterPay?

  • OP would this not be a matter of proving that you were the owner, and only user of that card when the purchase was made, and that you did so using your name? Even if that meant providing a bank statement to that effect?

    If you are able to prove that you purchased the item with that card number at that time, and the bank changed the card then I don’t see how a retailers argument would hold any water in court, should it progress that far? I can’t imagine a magistrate siding with a retailer if you can prove you were legally the owner, and user of the card that made the purchase.

    To me, this sounds like the retailer wanting to verify that you specifically made the purchase. If you can prove that I don’t see how that they can skirt around the ACL?

    But, it would be helpful to speak with someone who is savvy in ACL to verify this, but I would think that is the case.

    Because there would surely be instances where a person is no longer able to produce the same exact card - if card was replaced, or changed bank, or were a victim of fraud and needed new bank details created so card # changed..

  • +1

    Some possible solutions:

    • Look up the virtual card number on Google Wallet, and it should show the last 4 digits.
    • Accept a store gift card as a refund instead
    • Get the item replaced instead of a refund
    • Go into a different store and talk to the manager there instead
    • Feels like you didn't read the post when OP's already stated that the store manager refused your middle two suggestions and stated that the first one doesn't work

      • -1

        Feels like you didn't read the post

        Not the whole wall of text, but I am just trying to help here in case it's unclear.

        first one doesn't work

        The OP is wrong about this one, because Google pay will not generate a new virtual number each time the card is used in a transaction, but just once when a new card is added to the wallet. So if the card was still still in Google wallet, the OP could locate and display the virtual card number: https://support.google.com/googlepay/answer/7643925?hl=en to the store.

        Even if the card is removed, Google support might be able to help OP.

        • It is a lot of text to get through. Sorry I just get annoyed when the information's clearly available in the description and someone makes a suggestion or question that's already accounted for in the original post. It's still noble to try to help and lay out their options

          OP seems quite adamant that the card numbers are different. They no longer seem to claim it's every transaction but at some undefined point the card numbers change. They could very well be wrong but that's impossible for us to know currently without access to their phone and receipt

          • +1

            @SpainKing:

            OP seems quite adamant that the card numbers are different. They no longer seem to claim it's every transaction but at some undefined point the card numbers change.

            Yeah, they are 100% wrong about this because Google documentation says that the virtual card number is generated once when they card is added to the wallet. In my experience that's how it's been.

            I've also linked to an article that says how to retrieve the virtual card number. But if the OP has made their mind up and want to believe in something we can't help.

            • @CocaKoala: I have checked multiple times and still have different card numbers so I have my actual card number, the virtual one in the app under the … and the one on the receipts that is different to both of them Afterpay doesn't do this the Afterpay purchases match up its just my credit card doesn't for whatever reason.

              • +1

                @RustyNail1: So you used a different card then. Google says that a virtual card number is assigned when you add a card and it says the same. I'd probably believe them over you.

    • +1

      Go into a different store and talk to the manager there instead

      Try not to upset this one 🤣

      • True, that 😂

  • +6

    That's nice.
    It's also simply against consumer law. There is no loophole. They must give you a refund, no exceptions - their company terms/policy is irrelevant.
    If they refuse on these grounds simply open a small claims court order and suddenly your money will come, otherwise they will be paying out their ass for the legal fees incurred.
    Know your rights people.

  • +3

    Would need to be tested in a court of law to set a precedent. ACCC and others are not the determiners of what the law is of how it should apply, they can only give guidance/their opinion, and or take a person or organisation to a court of law where the ruling will be determined. I would eat my hat if a company's obtuse desire not to give a refund due to a card number changing would hold up. It is an unreasonable barrier. They have a LEGAL obligation to make right for the customer.

    And it is a barrier that exists to prevent fraud primarily, so in cases where the person's identification and purchase are not in dispute, there is no valid reason to stick to that policy in an individual incidence. A judge would almost certainly side with the claimant.

    • Excellent point.

  • Congrats OP on getting it sorted. Sounds like it was a lot of hoops to jump through but hope the extra gift card makes it worth your time

  • I'm thinking if I use a Coles Mastercard Gift card to purchase stuff, I would not want to throw the card away yet. So, I can show the card to the retailer if I want to get any refund.

  • try AFCA complaint?

  • how much giftcard they gave you ?

  • Seems like a Facebook post that does the rounds…
    Have never had an issue like this.

  • +8

    For those who have had trouble with Kmart. Just show them their actual refund policy:

    https://www.kmart.com.au/returns-policy/

    Refunds will only be issued using your original payment method (includes the same card or device as purchase). However, if the original payment method cannot be verified due to a different digital platform such as mobile payment, watch payment, e-wallet etc. or a card was replaced, then you will be asked for proof of identity.

    So as long as you show proof of identity then you are entitled to a refund.

    • +1

      @klonky If the receipt does not identify you which they usually do not, how do you prove your identity? Or is is just to show some form of ID to prove you have ID? That is confusing to me???

  • As someone who has been in both the customer position and the retailer position,
    The general policy of refund back to original method, This is to protect both the card holder and the Retailer
    Ways that this can protect both parties,
    The original card used does a charge back after the refund has been made to another card.(Seller side)
    The refund is made back to a different card from a different person claiming the returned item that isn't the owner (Protects Buyer)
    (While this is also at the due diligence of the seller to check ID to ensure its the right person, mistakes happen)

    Most retailers are not officially trained to handle these situations and can come across as them thinking you are a scammer or dodgy, try not to take it personally they are only protecting the original purchaser and their own job,

    Here is a few things you can do to assist in getting a refund,
    If your card number has changed - keep a bank statement or original card that has expired, obtain a proof of change from your bank and take it in to the store showing that account has closed.

    If the account is the same you can also show a bank statement with the card numbers and account numbers that match so they can process a bank transfer refund, takes longer but in some systems if the card doesn't match no matter how much you argue they cant change it.

  • Most retailers have such policies, but generally don't enforce them too strongly, I almost never ever have my card number checked when doing a refund. The store manager in this case should use their discretion and just refund it to another card, I mean seems like they are satisfied that you are legitimate but are just being ridiculous about following policy.

  • I'm quite concerned your retailer has held a record of your actual card number in file. There are laws know as the PCI DSS compliance laws that mean by design the card number isn't stored after payment is taken. Even if a staff member insists you use the original card there should be no way for them to lookup what card you actually used. If they are able to do that they could be in serious breach if the law. I'm keen to know more!
    Sounds like your talking to a moron at the ACCC, consumer law and payment methods are unrelated.

    • Probably just checking the last 4 digit and the type of the credit card (eg: Visa/MC/Diners/AMEX)

    • Not sure how it does it but maybe someone else can confirm but at coles I've been told when paying via paypass and wanting an exchange or refund must provide original card - the transactions must be stored in some digital matrix..

  • This method worked for me:
    Use gift card at JB hi-fi.
    Change of mind the next day.
    Refund it by cash.

  • Good on to you. You went the distance, dealt with the shit and got something for it. Must say though was it worth the trouble..? I've been through similar situations in the past. I've given up sometimes causes all these complaints and problems take time to resolve.

    Next thing they'll implement is specific cash requirements - sir/mam we no longer have the exact original cash notes with serial numbers you gave us so we can no longer issue you a refund lol :/ - cash is still gold I'm realising and you can always pass on the receipt for warranty purchases too if you sell second hand :)

  • File a complaint with your states equivalent to NSW Fair Trading.

    Alternative, send them a letter of demand

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