"The Vortex Hair Growth Wand, which claims to promote growth, stop hair loss and protect areas against future loss, kicks up a lot of warnings when you research it online. I'm no dermatologist, but I'm not sure there's a magic wand that can make your hair grow back. Color me a skeptic. You did almost everything right. You documented the defect, gave the company an opportunity to fix the problem, and collected third-party evidence that Vortex was problematic."
"But Amex still slammed the door until I knocked. Here's what should have happened: once you supplied proof that the merchant misrepresented its location and dangled an impossibly expensive return address, Amex should have reversed the charge on the spot. Under Regulation Z, a card issuer must resolve a billing-error claim within two complete billing cycles. It appears the company also misrepresented its location when you purchased the product."
The Vortex Hair Growth Wand failed and the seller provided a China warehouse for returns while charging $120 for shipping. Phone calls were routed to the Philippines, blocking U.S. customer support. The buyer documented the defect, collected third-party warnings, and filed a chargeback with American Express, which initially ruled for the merchant. The merchant appears to have misrepresented a U.S. address. Under Regulation Z, a card issuer must resolve billing-error claims within two billing cycles, and the issuer should have reversed the charge upon receiving proof. Consumers should screenshot merchant addresses and research sellers before purchase.
Read at www.mercurynews.com
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