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Credit Card Disputes Anxiety

  • Thread starter BEASTMODEWARRIOR
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BEASTMODEWARRIOR

BEASTMODEWARRIOR

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I disputed some stuff on my american express credit card because something of items where too small or cheap quality. ranging from 15-30 dollars, 6 months ago, I won the dispute, i afraid the merchants might come after me for the money because they lost the dispute by collection agency or civil matter. American express. policy is after a dispute is closed and after 35 days has past they can't reopen a closed dispute anymore its final. whats is the likely hood of the merchant coming after the money they lost after 6 months has past by. Im having so much anxiety from this, i feel i did something really wrong, like i shouldn't have won the dispute, like i didn't deserve credit back to card, i feel like cheated the system. is this a delusion or paranioa. Im so lost in my head.
 
BEASTMODEWARRIOR

BEASTMODEWARRIOR

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can someone respond please, im going crazy about this. im i delusion.
 
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Zoe1

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I don't see how anyone can come after you
if you won the dispute Beast

they would be breaking the law surely
 
fragrant_violet

fragrant_violet

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The amount of money is too small for anyone to come after you. Relax
 
BEASTMODEWARRIOR

BEASTMODEWARRIOR

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I don't see how anyone can come after you
if you won the dispute Beast

they would be breaking the law surely
Really i didnt know that, are you sure if they come after me for a civil suit, they would be breaking law.
 
BEASTMODEWARRIOR

BEASTMODEWARRIOR

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yes because you already won the case !
Okay, yea i dont understand disputes at all, im not a credit card guru. thanks for information appreciate it zoe1😀
 
BEASTMODEWARRIOR

BEASTMODEWARRIOR

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yes because you already won the case !
Im scared i might get in trouble, I feel i did something really wrong, im really worried, im having bad anxiety right now.
 
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Zoe1

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well you did say you have paranoid schizophrenia Beast
which I do as well ...
I don't know much about credit cards either
but you said you had won the dispute earlier on
so this is probably paranoia


:hug:
 
BEASTMODEWARRIOR

BEASTMODEWARRIOR

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yea i hope so too, i won it 6 months ago, i havent heard anything from the merchant or got any letters from them. Maybe they forgot it about or didnt care. Maybe it didnt even hurt there business at all, because they make alot sales a day, 25 dollars its probably not worth the effort to come after for, do you think is worth coming after me for 25 dollars. I just want to know your opinion if you where the merchant. thanks.
 
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Zoe1

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I don't really know what its like to be a merchant ha ha

it sounds to me like they can't come after you
unless they will do something illegal
so for 25 dollars no !
 
BEASTMODEWARRIOR

BEASTMODEWARRIOR

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Okay i thought so too, even a lawyer told me this l, his a proffesional so i have to stop believing my delusions, its all in my head. I have to realize this.
 
BEASTMODEWARRIOR

BEASTMODEWARRIOR

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yea i hope so, i just to confirm it, i just to know for certain they wont come after, i wish someone here knows about disputes. I want to know 100 percent certainty they wont come after me. Thats all, I dont want probably, i want to know for sure.
 
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