We Need Our Money, Sears!

You would be better off buying used rebuilt appliances, not only do
they last longer but they come with a better warranty than most new
appliances.

They may not be the fanciest newest models out, and your friends may
turn up their nose when they find out how much you paid, but it serves
its purpose.


Good Day

Hm, this is very strange. I am not as familiar with the appliance side
of Sears anymore...and I have never heard of a check being issued for
a debit card charge. The only times a check is usually issued in my
experience is when the customer writes a personal check and needs a
refund on an item and the check has not cleared the bank yet.

Sears usually issues refunds for debit cards as cash. This is as long
as the charge has been given ample time to process through the bank.
(usually just a business day.) If it hadn't processed, then it would
have been issued as a credit, which takes a few business days to get
back into the account. I don't know what they would have done in this
instance, since it was an extremely large amount and I have never
faced the situation. I DO know that a manager could easily override
the mail check option (at least, in most cases) and then choose the
method of refund.

The refunds are always going to be based on how the item was bought.
You paid cash, you get cash. You used a credit card, it gets put back
on the card. You use a debit card or wrote a check, you get cash back.
You use a gift card, then it would go back on the gift card and so
forth. Perhaps in this situation, it was made iffy because it was a
cancelled order. Or it could be just the simple fact that it was such
a large purchase, they didn't want to give back cash. (I wouldn't have
given cash back...too dangerous, IMO.) A refund as a credit to the
debit card could have easily been done by a manager, though I am not
fully certain in this situation.



I don't know what has happened here in this situation and wish I could
provide better answers. I can't believe you still don't have your
money. That's insane.

Whats even more intresting is that the first person tells you that it
was canceled and then your told your fridge is coming up as delivered!
Maybe that is what is holding up your refund from the second
transaction??? You give no amount of time for the first refund check
to come, that could be the indicator on how long its going to get the
second check, but keep in mind that mail doesn't always take the same
amount of time to be delivered and what not.. but all in all it seems
like sears has gone and screwed it up again. .

I will say that I think it's absolutely ridiculous that Sears has
taken "weeks and weeks" to get you reimbursed for items that were
never delivered. I agree with a previous poster that perhaps you
should speak with your bank to see if it's possible for them to remove
the charges. No harm in trying.

This is a prime example of a transaction worth making by credit card.
That way you would know that if there were any issues you could
dispute the charges. Most likely you would have gotten your money
refunded more quickly this way as well. And the best part is that
your cash wouldn't have been tied up when it came time to make your
mortgage payment. Credit cards aren't necessarily evil when used
correctly.

Contest the charge, telling them in a written statement exactly what
you posted here. That you never received the merchandise and that you
have not received the compensation. They will get your money back a
lot faster for you.

Hope this helps.

yours is a case that illustrates why I use a credit card for purchases
both large and small. It reduces my stress and gives me piece of
mind.

With a debit card, the creditor had their hands right on your money.
They can have a hold put on your account, and in cases like this they
can delay giving your cash back to you.

If you use a credit card, you never actually have to give the money up
(if the return is made in less than around a month and a half, give or
take). You can dispute a charge, if necessary. Then, at *your*
convenience, you pay your credit card bill (in full, of course!).

I hope Sears gets their act together, and refunds your money ASAP. As
far as it impacting your mortgage, it sounds like you planned for that
money to be given back to you, *after* you planned to spend it and not
have access to it. That is risky, as you have discovered. Good luck
to you.

Have you tried the BBB? Sicking them on Sears may help.