certifiedkj
Member
This last month has been crazy, and I just wanted to share this, and possibly get some advice.
Back in January, I purchased a firearm online and had it shipped to the dealer. Once it arrived, I was notified and set up an appointment to come in and do a bg check. The dealer ran the check through NICS, and I got a delay. The following day, the dealer emails me, informing me that I was denied, which wasn't a surprise with all that has been going on. With that happening, the firearm had to be shipped back, with me paying a 15% restocking fee before I was refunded the rest.
More than a week passed, and I hadn't received the refund to my credit card, so I decided to contact the bank. I just wanted to know with the charge for the firearm being on a card that was cancelled due to fraudulent activity, would the refund still reach my new account. (Side note: When I charged the card to purchase the firearm, 2 charges that I did not make appeared on the same day. One charge really stuck out to me, which was academy.com, a sports and outdoor store popular here in Texas. The charge for the firearm was the first charge to the card in a while, which made me think that the fraud was due to their servers not being secure, or the dealer is the culprit.) The rep that I was speaking to suggested that I file a dispute since the refund was taking longer than I expected. I filed the claim, and the bank credited my account. A couple of days later, the refund finally comes. Mind you, I did not want to file a claim, I just wanted to confirm that my refund would reach my new account.
This morning, I received a private call on my cell, and what do you know, it's the dealer. He starts off by complaining that I did a charge back, so now he has to take out the time to reverse it, "even though it's not hard", as he says. I told him that it was taking long to receive the refund, so the bank issued a credit until the refund came, and that he should be dealing with the bank instead of calling me. As he's talking over me, I told him to speak with some respect, so in turn he tells me that I should respect his time. He said that I wasted his time by coming in trying to illegally purchase a firearm (Which is not true, I am not a prohibited person. There are arrests, but definitely no convictions or anything.), and that he looked into my history; basically calling me a criminal. He continues his rant before telling me to have a nice life with my "criminal activity". I believe the guy was angry because he had to do extra work, when he actually doesn't have to do anything. I believe him or whoever he's associated with is a criminal; I find it strange that the one time I use my card for a purchase, my bank contacts me for fraudulent activity on my credit card.
My question is, although arrests are public record, as a business/dealer, is he allowed to look into information of a customer like that? If he's not allowed to, what can be done in this situation?
Back in January, I purchased a firearm online and had it shipped to the dealer. Once it arrived, I was notified and set up an appointment to come in and do a bg check. The dealer ran the check through NICS, and I got a delay. The following day, the dealer emails me, informing me that I was denied, which wasn't a surprise with all that has been going on. With that happening, the firearm had to be shipped back, with me paying a 15% restocking fee before I was refunded the rest.
More than a week passed, and I hadn't received the refund to my credit card, so I decided to contact the bank. I just wanted to know with the charge for the firearm being on a card that was cancelled due to fraudulent activity, would the refund still reach my new account. (Side note: When I charged the card to purchase the firearm, 2 charges that I did not make appeared on the same day. One charge really stuck out to me, which was academy.com, a sports and outdoor store popular here in Texas. The charge for the firearm was the first charge to the card in a while, which made me think that the fraud was due to their servers not being secure, or the dealer is the culprit.) The rep that I was speaking to suggested that I file a dispute since the refund was taking longer than I expected. I filed the claim, and the bank credited my account. A couple of days later, the refund finally comes. Mind you, I did not want to file a claim, I just wanted to confirm that my refund would reach my new account.
This morning, I received a private call on my cell, and what do you know, it's the dealer. He starts off by complaining that I did a charge back, so now he has to take out the time to reverse it, "even though it's not hard", as he says. I told him that it was taking long to receive the refund, so the bank issued a credit until the refund came, and that he should be dealing with the bank instead of calling me. As he's talking over me, I told him to speak with some respect, so in turn he tells me that I should respect his time. He said that I wasted his time by coming in trying to illegally purchase a firearm (Which is not true, I am not a prohibited person. There are arrests, but definitely no convictions or anything.), and that he looked into my history; basically calling me a criminal. He continues his rant before telling me to have a nice life with my "criminal activity". I believe the guy was angry because he had to do extra work, when he actually doesn't have to do anything. I believe him or whoever he's associated with is a criminal; I find it strange that the one time I use my card for a purchase, my bank contacts me for fraudulent activity on my credit card.
My question is, although arrests are public record, as a business/dealer, is he allowed to look into information of a customer like that? If he's not allowed to, what can be done in this situation?
