Apple courier (UberEats) stole 2 MacBooks I ordered. Apple will not help.

[timber]

The Police is still on the case, perhaps the thief will be found and both Uber and Apple will have to deal with it

Also, you may never know and they won't talk to you but Apple having lost the dispute will now probably not let the issue rest with Uber.

 

[Six0Four]

The Police is still on the case, perhaps the thief will be found and both Uber and Apple will have to deal with it

Also, you may never know and they won't talk to you but Apple having lost the dispute will now probably not let the issue rest with Uber.

Ya I can see that. They wouldn't go after Uber to get my money back but they sure will to get their own.

 

[Lihp8270]

Ya I can see that. They wouldn't go after Uber to get my money back but they sure will to get their own.

The theft is really nothing to do with you. Uber never stole anything from you.

They stole from Apple. It was a civil issue with Apple for you on the basis they didn’t complete their side of the contract.

 

[KaliYoni]

My bank confirmed 3 times it is Visa that makes the final decision. Not the bank. Visa deals with the bank not with card holders. Unless the bank is lying to me for some reason.

It would be strange if your bank deliberately lied to you about your situation because it is part of a highly regulated industry in Canada. So I looked more deeply into chargebacks and what happens when a card holder refuses to accept a bank's decision. You are correct that Visa, the payment network, does get involved as an arbitrator as the absolute last step in the chargeback process. This happens if the merchant's bank and the card holder's bank reach an impasse after a card holder rejects a merchant's offered proof.

For anybody interested, here is how the chargeback process works from a merchant's perspective, direct from a major provider of merchant card acceptance services:

Chargeback 101: Credit Card Chargebacks Explained

A chargeback happens when a customer disputes a charge from your business and asks the card issuer to reverse it. Here are the most common chargeback culprits.

squareup.com

 

[Eriamjh1138@DAN]

Apple's Q1 Conference call.

"We had to write off $0.0000025B for some stolen macbooks. Sorry of the earnings loss, investors."

 

[Six0Four]

I doubt your bank was deliberately lying to you because it is part of a highly regulated industry in Canada. So I looked more deeply into how chargebacks work when a card holder refuses to accept a bank's decision. You are correct that Visa, the payment network, does get involved as an arbitrator as the absolute last step in the chargeback process. This happens if the merchant's bank and the card holder's bank reach an impasse after a card holder rejects a merchant's offered proof.

For anybody interested, here is how the chargeback process works from a merchant's perspective, direct from a major provider of merchant card acceptance services:

Chargeback 101: Credit Card Chargebacks Explained

A chargeback happens when a customer disputes a charge from your business and asks the card issuer to reverse it. Here are the most common chargeback culprits.

squareup.com

Ya I was under the impression as well that my bank would be making all the decisions. Was kinda worried that Visa would be making the call since Apple brings Visa an incredible amount of business.

 

[Six0Four]

Don't like the sound of this though 😳

 

[timber]

Apple's Q1 Conference call.

"We had to write off $0.0000025B for some stolen macbooks. Sorry of the earnings loss, investors."

That lady Six0Four mentioned several times could receive a call from Tim, perhaps Facetime on his Vision Pro asking about his two Macbooks.

Considering those are the best Macbooks Apple has ever made things could get serious.

View attachment 2470410

Don't like the sound of this though 😳

Well in any decent country a court of law is always a resort.

 

[KaliYoni]

View attachment 2470410

Don't like the sound of this though 😳

It would be interesting to find out if Apple ever does this and in what circumstances. It obviously has the legal and financial resources to do so easily but the expense and potential negative media attention would far outweigh the monetary benefit in most cases.

Was kinda worried that Visa would be making the call since Apple brings Visa an incredible amount of business.

On the other hand, Visa and Apple might not be BFFs. The Apple Card is a MasterCard!

Now that I've thought about this more, I wonder what effects, if any, a chargeback that goes all the way to arbitration has on future transaction approvals. Now that algorithms and AI make most approval decisions, I would be surprised if card-not-present transactions weren't affected in some way.

 

[Lioness~]

View attachment 2470410

Don't like the sound of this though 😳

The times I've dealt with Amex they are really great!

I had ended a connection with a company and my Amex said that XXX money was reserved to be charged my Amex account by this company.

So I just had a short chat with Amex, and they removed it immediately. Now I'm pretty sure that the company in question would've payed it back. But why waste a lot of time with even let them charge me something that was incorrectly charged?!

 

[Eriamjh1138@DAN]

View attachment 2470410

Don't like the sound of this though 😳

I wouldn’t worry about it. Apple doesn’t tend to sue its customers.