It can be an absolutely terrible feeling when you get scammed online, especially if it’s your first time. But you can get it back if you follow the guidelines I’ll show you.
Why I constantly lose money to online scams (and how I get it back when I do):
I’ve become numb to knowingly buying bad products that try to weasel me out of money and I do it because it’s part of my business, but I’ve also gotten very good at figuring out how to get my money back and the simple truth is that it’s easy, though annoying to handle.
Here is how you get your money back from online scams (every time):
- Start by calling/contacting the merchant/product owner to see if you can get it back. Only accept a 100% money back option.
- Did you make the order with your credit card? Well call up the credit card company and file a dispute.
- Did you make the order with your bank? Call up the bank and dispute it.
That is really all you have to do and as long as you explain why your purchase was illegitimate and you got scammed, you will get your money back.
The customer isn’t always the victim (let’s be honest here):
There are many rules that are made to give buyers safety when buying products which I will discuss can also be used to your advantage when getting a legitimate refund for an illegitimate product you purchased but unfortunately there are groups of people who while knowing these rules use them for abuse.
They knowingly buy good products and then use the refund policy to get it back.
It happens in offline and online purchases all the time and I want to make it clear that this article is NOT for these types of people. I am only writing this article to help people who have legitimately been scammed get their money back so if this is not you, please go away and rethink your principals.
Next, let me address what I consider a justified reason to request your money back:
As I said, I buy many products. Since I run multiple websites dealing with different niche topics, I review a lot of products and buy many of them as well and yes I spend a ton of money for this. However, how do I decide if the purchase is illegitimate? Here’s how:
- If the product I ordered is damaged or not as the ad described, there’s a reason.
- When I buy products in say the make money online department which is mainly programs, if I see the information is undervalued compared to it’s price, it’s justification to request a refund. Ex: I buy an eBook for $99 that talks about making money online, but it’s information is outdated, extremely basic and found in other, free sources or I personally know it can could write my own thing about it and sell it for less or give it away for free.
- Program or service I purchased came with a money back guarantee, but then I discover when requesting it that the guarantee only applies to a certain case or there was an update they hid on another page that wasn’t obvious to see. In other words, the money back guarantee is not actually guaranteed. I could use that as a means to say I was lied to.
- I buy a product and then get up sells (happens a lot) without knowledge they would be there. In many cases up-sells can be both optional and required (yes it’s an oxymoron) because many products sold are “incomplete” without the up-sells so while it’s optional to buy them, you don’t get the most high quality version until you buy ALL the things, but if this isn’t mentioned on the original sales page, it’s a reason to request a refund.
Getting your money back from online scams. Here are examples:
When you make online purchases, there’s 2 types of places you can make it from:
Organizations that are strict and honor a money back guarantee making it easy to get the money back and those which aren’t.
In this section, we will cover the legitimate ones:
Amazon is amazing at providing a great customer service especially with refunds. You can be assured that ANY purchase you make there will be safe even if you’re not happy:
Whenever you order something on Amazon, there is an “orders” page available to you where you can select the return option, which will take you the above page where you can choose a reason why. Obviously, make sure you have a good reason before requesting this.
This type of policy is also similar in other websites/organizations like Walmart, Best Buy, ect…
Clickbank: Despite there being many products on Clickbank I personally do not consider good, they also offer an incredible 30-60 (I think it’s 60 now) day guarantee and you don’t really have to go through a loop to get it.
All you do is visit the Clickbank website, click on customer support, then refund, then enter the order number you were given and then go from there. I have NEVER had a problem getting a refund back from Clickbank.
And it’s interesting too that MANY things you may buy online may come from Clickbank and the way to tell is if you visit a website, SCROLL down to the very bottom and see if there is a disclaimer that the product is from Clickbank. If it is, know you’re good to go on buying the product.
In these examples, when you want your money back, you can do it through the vendor (in this case the big name of the company). For me personally, I buy a lot of stuff from this site, because I am an affiliate marketer and want to see if it’s good enough for me to promote it (I’ve made $500k from promoting their products, good ones!). When the product/program I buy from this place doesn’t meet the standards I mentioned above, I will return it.
What to do if you’ve been scammed online (And you can’t use the legitimate organizations to get it back):
Now we get to the hard ones, where you have to try and get your funds back from bad places that will:
- Do everything possible to ignore you.
- Play tricks to make you think it’s your fault.
- Make you believe you can’t get anything back.
- Make you believe you can only get a “fraction” of your money back.
When dealing with merchants that are not associated with big names, are independent or have you buy through online means, and have weird looking “money back guarantee” stamps, be very careful.
For example, if you deal with any companies that are NOT associated with Amazon or the other big names I mentioned, do this:
- Absolutely READ the disclaimer on how much you’ll be charged. See if there are monthly fees or reoccurring charges and compare it to the sales page where you buy the product from. Did the sales page say it’s monthly? If you see some kind of timer on the checkout page, ignore it, it’s bogus and meant to distract your attention from reading the REAL information.
- Take a screenshot if the sales page claims contradict the checkout cart page. Use Monosnap, a great free program for taking screenshots or if you’re not that good with those programs, use your phone to take a picture. Every product I buy that falls into questionable purchases, I always take screenshots, before, during and after the purchase.
- See if after the purchase was made, if you were led into a up-sell page where you had more to buy. Did the original sales mention there would be more purchases? Take a picture of that too and then take a screenshot/picture of the up-sell.
- Was the product itself LESS than the hype you saw on the sales page? What if the homepage said you were going to learn a million dollar idea and then after the purchase was made, you just got basic information on say coming up with an idea and writing an eBook on it? That’s the info anyone will tell you, so if you paid for it, you got scammed.
- Did the product page say it was free and then on the checkout cart or somewhere they said there’s a trial you need to buy or pay for shipping? That’s a clue that there’s some scam going on. Again, take the screenshots.
Why are you doing all this? Because you need evidence to get your money back.
The more evidence you can provide your bank or credit card company that you were wrongfully treated, the more chances there are you’ll get your money back, period.
I’ve had times where I sent 5+ pages of reports to my credit card company highlighting all those little bullet points above which make it easy for your situation.
First try to contact the merchant:
Before you go into the next option which is probably going to be the only thing that works with scam products, do note that many places such as PayPal and your credit card company will ask if you’ve tried to connect with the merchant.
There are times when simply requesting a refund through a support desk or emailing the support email of the merchant will be enough to get you the refund.
Unfortunately some sleazy places like to:
- Take their time with their responses. Either the support really sucks or they do it on purpose to stretch out the period you’re in the program to claim you used it to revoke your request. Don’t wait more than 24 hours, any customer service request that isn’t honored before that is bad quality in my opinion.
- Sometimes even give you some default answers or take you for a loop in trying to get you to keep the program. They’ll send you replies to your requests every few days and then after you think you’ve gained some progress, they just send you another default email/response you saw before. Be sure to ALSO take screenshots of this.
- Some of them may even be rude to you. As long they are not addressing your request to get money back, that’s enough evidence to take to the next options…
If going through the merchant doesn’t work, then here’s your “guaranteed” option that will:
When you do contact them, get in touch with the dispute department and let the agent/s know exactly what occurred and say you have the evidence (obviously the ones you compiled from the tips above).
IF you’re already in a situation where you didn’t gather evidence, your best option is to let the customer representative know why you feel you were scammed and if necessary, link them to the page where you purchased the product or explain that it was deceptive.
In some cases, a form is sent where you have to complete why you are disputing the purchase. Usually having screenshot evidence attached to the form is going to help you.
Usually in many cases what happens is the purchase you made is “temporarily” refunded until an investigation takes place. Usually the merchant is also contact by your cc/bank to allow them to make their case and if they don’t respond, your payment which was returned is permanently restored.
The good news is that in many cases, scam companies don’t even bother to speak with your companies because they know they won’t be able to make a claim and will lose so rather than waste their time and resources, they just try to scam someone else.
My final thoughts:
Know that when it comes to online purchases, there are many safety precautions available to you especially by your credit card company to protect you from getting scammed so if you did have a problem, don’t let it bother you, take the time to let the right people know.
In every single instance I have had a problem with a program I purchased, I have always been able to get my money back and stop the merchant from charging me again.
In some cases, to prevent future charges, you may have to change your credit/debit card number which is why I said earlier it can be very annoying, but at least you won’t be scammed further.