Back to Money Saving and Cash Planning

5 Steps to Get Your Damn Money Back

Have you ever found yourself in a situation where you've paid for a service or product, but you didn't receive what you were promised? Getting your money back can be a frustrating and time-consuming process, but there are several ways you can go about it. Here are some different methods for getting your money back.

The first step in getting your money back is to assess the situation objectively. Determine if you have a valid reason for requesting a refund or reimbursement. Consider factors such as product defects, poor service, unauthorized charges, or instances of fraud. Keep all relevant documentation, including receipts, invoices, emails, or any other evidence that supports your claim.

Step 1: Contact the Seller

The first step in getting your money back is to try and contact the seller or service provider. Explain the situation and provide any evidence you have to support your claim. If they're a reputable business, they should be willing to work with you to resolve the issue. Always go to the seller first before exploring other options, because you will inevitably be asked if you tried to speak to the seller first.

Step 2: Check for Warranty

If you are unable to receive a refund from the retailer, find out out if there is a manufacturer’s warranty. Warranties are your secret weapon if you are unable to receive a refund from the retailer, and are available for all kinds of items. Some of the best warranties of all are for big-ticket items like cars, home appliances, and power tools. So before you give up on getting your money back, always check the warranty.

Step 3: Dispute the Charge

If you paid with a credit card, you can dispute the charge with your credit card company. This is especially useful if the seller is unresponsive or refuses to give you a refund. The credit card company will investigate the charge and, if they find in your favor, will credit your account for the disputed amount.

The easiest way is to initiate a dispute on the card’s website, app, or calling them by phone.

Step 4: File a Complaint

Organizations like the Better Business Bureau, the CFPB (regulates financial products), and many others hear and investigate consumer complaints. Even by reaching out and having these organizations investigate (whether they find in your favor or not), often times businesses will reach out to you to resolve the issue in order to avoid public shaming.

Step 5: Sue

While costly and time-consuming, if all other avenues are either impossible or have been tried, you can threaten to sue or actually go sue. If the amount you lost is less than a lawyer, you’re out of luck. But you don’t always need a lawyer - you can file a lawsuit in small claims court online here.

In conclusion, getting your money back can be a frustrating experience, but there are several ways to go about it. By contacting the seller, disputing the charge, or filing a complaint, you can increase your chances of getting the outcome you want. Remember to always keep records of your transactions and communication with the seller to support your claim.

Ready for a
debt-free life?

Join here. Terms apply.

By entering your phone number, you consent to us sending you SMS messages in accordance with our Terms of Service and Privacy Policy. Standard messaging rates apply.
Thanks, you're on the list!
Something went wrong. Give that another go?
Illustration of relaxed person without debt
Debbie maskot
Debbie does not provide legal, investment or tax advice. Information contained on this website is for information purposes only. It is not tailored to any specific user. It does not constitute investment advice in any way. Consult a qualified legal, investment, or tax professional.
Icons by Icons8