I just lost my first dispute on a Citi credit card. I have had less than a dozen go my way, some quite large too over the past 35 years. This one was against Morphy Auctions. They had misidentified the player in a photo I bought. The purchase price was a $350 and the reason Citi would not find in my favor was because the merchant, Morphy Auctions, did not agree to give me a refund.
Well yeah, they did not want to give me a refund when I contacted them upon receipt of the photo so I was not thinking they were going to lay down for Citi. I was able to provide Citi with overwhelming/irrefutable proof the image was misrepresented. Apparently all Morphy had to do was respond to my dispute saying they do not agree. I was provided their response and it consisted of my invoice and proof of delivery, neither addressed the dispute. LOL. I tried to appeal it and Citi instead gave me an in house credit. Not the outcome I wanted but they can probably afford the $350 hit more than I can.
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