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“Sonicwall products are not returnable”

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Re: “Sonicwall products are not returnable”

#81

Post by tptacek »

brianwawok wrote: post #18
pritambaral wrote: post #17

Earlier quoted context omitted.

Why?

Credit card gets stolen - I call bank, they remove charge, and I don't pay until matter is resolved. Debit card gets stolen - All my money is taken out of my bank. I now cannot pay my rent or buy groceries. I tell bank, and they start an investigation. Maybe in 90 days I get my money back. Never ever use a debit online. In fact, don't use in person. Debit cards are fine for ATM to get cash, for anything else use CC.…

My experience with debit card fraud has been identical to that of credit card fraud: instantly reversed charges, including (once) immediately reversed overdraft charges.

What bank took 90 days to refund fraudulent purchases? I'd like to know to avoid them forever.

(It's true that using a debit card means whatever checking account you used could get zeroed out; it's probably a good idea just to open a second account to use for online stuff, if you don't already have an account that serves a similar purpose).

Re: “Sonicwall products are not returnable”

#82

Post by CamperBob2 »

kipdotcom wrote: post #2

Dell EqualLogic™ and EqualLogic-branded products, Dell|EMC, EMC and VCE-branded products, Dell Compellent™ and Compellent-branded products, Dell KACE™ and KACE-branded products, Dell Force10™ and Force10-branded products, PowerVault ML6000 tape libraries, PowerVault DL and DR products, Dell SonicWALL™ and SonicWALL-branded products, Dell Wyse™ and Wyse-branded products, Dell Quest™, Quest™, ScriptLogic™ and VKernel™…

That's crazy. 90% of random eBay sellers take returns. I would never have expected Dell to pull shit like this.

Re: “Sonicwall products are not returnable”

#83

Post by CamperBob2 »

edkennedy wrote: post #34
MrTonyD wrote: post #32

Earlier quoted context omitted.

Or just don't buy Dell. Why should I have to examine every supplier's fine print to figure out whether I need to go through a reseller?

The idea is you use a reseller for all your products, they manage the relationship with the manufacturer or publisher and work to get you the best price/service. If you have doubts about using a "middle man" keep them honest with a 2nd or 3rd quote, sometimes direct every now and then. But working with one rep for all your products can be a huge boon to doing business in savings of money and time. Disclaimer: I work…

Which leads to the question, how is Dell's business model different from anyone else's?

Their whole reason for existence was to cut out VARs and sell direct to the customer.

Re: “Sonicwall products are not returnable”

#84

Post by brianwawok »

djrogers wrote: post #67
brianwawok wrote: post #18

Earlier quoted context omitted.

Credit card gets stolen - I call bank, they remove charge, and I don't pay until matter is resolved. Debit card gets stolen - All my money is taken out of my bank. I now cannot pay my rent or buy groceries. I tell bank, and they start an investigation. Maybe in 90 days I get my money back. Never ever use a debit online. In fact, don't use in person. Debit cards are fine for ATM to get cash, for anything else use CC.…

> Debit card gets stolen - All my money is taken out of my bank. I now cannot pay my rent or buy groceries. I tell bank, and they start an investigation. Maybe in 90 days I get my money back. Not true - if you report fraudulent charges the money must be returned to your account within 10 days until the investigation is concluded according to federal law. Many banks will return the money much immediately as well - if…

Oh so I only get my bank account drained for 10 days if I use my debit.

Please tell me why I would use Debit again? Remember I also lose the 2% cashback I get on my credit, on top of my bank account being drained for 10 days and perhaps my mortgage payment bouncing if I didn't catch it in time.

Re: “Sonicwall products are not returnable”

#85

Post by brianwawok »

db48x wrote: post #63
brianwawok wrote: post #18

Earlier quoted context omitted.

Credit card gets stolen - I call bank, they remove charge, and I don't pay until matter is resolved. Debit card gets stolen - All my money is taken out of my bank. I now cannot pay my rent or buy groceries. I tell bank, and they start an investigation. Maybe in 90 days I get my money back. Never ever use a debit online. In fact, don't use in person. Debit cards are fine for ATM to get cash, for anything else use CC.…

Or you could keep multiple accounts, with just what you're going to spend in the next week or two in your child going account, and everything else in savings. You could still lose some money (hopefully to be refunded), by not enough to sink you.

I already have multiple accounts. But to give up 2% cash back I get on my credit card to use a debit card.. now you want me to make a shell game of bank accounts? Just so I can use debit? Makes no sense, Credit solves these and so many other problems without extra work.

Re: “Sonicwall products are not returnable”

#87

Post by aidenn0 »

tptacek wrote: post #81
brianwawok wrote: post #18

Earlier quoted context omitted.

Credit card gets stolen - I call bank, they remove charge, and I don't pay until matter is resolved. Debit card gets stolen - All my money is taken out of my bank. I now cannot pay my rent or buy groceries. I tell bank, and they start an investigation. Maybe in 90 days I get my money back. Never ever use a debit online. In fact, don't use in person. Debit cards are fine for ATM to get cash, for anything else use CC.…

My experience with debit card fraud has been identical to that of credit card fraud: instantly reversed charges, including (once) immediately reversed overdraft charges. What bank took 90 days to refund fraudulent purchases? I'd like to know to avoid them forever. (It's true that using a debit card means whatever checking account you used could get zeroed out; it's probably a good idea just to open a second account t…

I think it's only in the past decade or so that it was legally required to refund disputed charges within 10 days, so it could be an older story.

However, lot's of banks make it really easy to overdraw funds when using a debit card. In particular the ordering of transactions can cause you to overdraw (consider charge/refund/charge when a mistake was made; the bank could order it charge/charge/refund and you are now potentially overdrawn despite no day ending with you having a negative balance).

In particular, my past experience with Chase is that they pull crappy stuff like this all the time, nickel-and-dime-you with charges and then act surprised when you close all of your accounts with them.

Re: “Sonicwall products are not returnable”

#88

Post by FireBeyond »

brianwawok wrote: post #84
djrogers wrote: post #67

Earlier quoted context omitted.

> Debit card gets stolen - All my money is taken out of my bank. I now cannot pay my rent or buy groceries. I tell bank, and they start an investigation. Maybe in 90 days I get my money back. Not true - if you report fraudulent charges the money must be returned to your account within 10 days until the investigation is concluded according to federal law. Many banks will return the money much immediately as well - if…

Oh so I only get my bank account drained for 10 days if I use my debit. Please tell me why I would use Debit again? Remember I also lose the 2% cashback I get on my credit, on top of my bank account being drained for 10 days and perhaps my mortgage payment bouncing if I didn't catch it in time.

As mentioned by the grandparent:

If your debit card is branded Visa/MC, the bank is required to issue an "immediate" (usually "overnight") refund while investigated.

Re: “Sonicwall products are not returnable”

#89

Post by 4ad »

ryanlol wrote: post #78
dingaling wrote: post #64

Earlier quoted context omitted.

> As an aside, you should never use a debit card online, ever, ever, ever. For many people in Europe ( including myself ) the only other online option is a bank transfer, which also has the risk of loss of funds if you mistype the target account number[0] The workaround for only having a debit card is to have it linked to a buffer account that only holds sufficient funds for the planned purchases. [0] when submitting…

What's this mythical European country where you cant get a credit card? There are places where most people don't have them, sure, but they tend to be very easy to get.

If you are self-employed sometimes it is difficult to obtain a credit card in some european countries.

Even if you obtain one, european credit limits are nothing like the american counterparts. They usually are much smaller.

I have the opposite problem though. I live in Austria and can't get a Visa/Mastercard debit card. The concept is totally foreign here. They use the stupid Maestro debit cards, which are useless online and in the United States.

If anyone can tell me how I can obtain a Visa/Mastercard debit card here, he will have my eternal gratitude.

Re: “Sonicwall products are not returnable”

#90

Post by Johnny555 »

20yrs_no_equity wrote: post #52
lsiunsuex wrote: post #14

Earlier quoted context omitted.

I'm considering this - but I used the boss's debit card so I'm not sure it'll work. Debit cards being "same as cash" in the USA, not sure those terms protect wrongful purchases. But - can't hurt to try.

You can dispute a charge on a debit card the same as on a credit card. Just say the merchandise was not what you ordered and you attempted to return it and they wouldn't take it back. Include in your dispute the email from them saying they won't take it back (or notes about the phone call). They will suddenly want to get it back, and most likely will not argue against the dispute. The rules are pretty clear on this s…

A credit card charge-back doesn't leave the buyer off the hook for the merchandise, it just means he gets the money back on his credit card. If the merchant believes the money is still owed, he is free to pursue the buyer directly for any amount charged back, they can bill you and if you don't pay, send your account to collections or sue in small claims court.
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