Do I have the right to request a chargeback from LinkedIn? If I succeed in getting a chargeback, will it hurt my credit score or show up on my credit report?
I got an email from LinkedIn that offered a free month's trial of their business premium account. I figured I'd give it a shot. Signed up and completely forgot when the free month ended. Credit card bill arrived in the mail today and I see that I was charged the $49.95 on 7/17/11. Panic ensues. I submitted a request on their site to cancel the premium account and refund my money immediately. Right after submitting the request, I find their refund policy. Apparently they do not offer refunds or partial credits. They have no phone number listed on their website but I googled it and found it. They're open 9am-6pm Pacific time and were closed when I tried calling. I will definitely call them at 12pm (I'm on Eastern time) tomorrow. But I'm getting really scared.
I wish I had read all the complaints about the premium service before signing up so I would've known that LinkedIn doesn't respond to 2 email requests to cancel premium account
(last comment on the page), that trying three times to cancel and mailing the CEO
(CTRL+F GlassKnees)doesn't work either.
I read the Consumerist a lot and whenever there are credit card disputes, people immediately say "chargeback". But am I qualified to request a chargeback or claim that this was an unauthorized charge? I DID agree to the terms that LinkedIn set for cancellation and the free trial and they did provide the service that they charged me for. I will be calling my credit card company tomorrow (this is a Chase Visa) but I'm worried they'll tell me I'm SOL because I agreed to the terms and I received the service and I was charged 10 days ago (11 by the time I call tomorrow). And even if Chase/Visa allows me to get my money back, couldn't LinkedIn dispute the refund right back? I really do not want my chargeback to be sold to a collection agency
. Will a chargeback hurt my credit score or show up on my credit report?
I already know that it was stupid of me to believe that this was really a "free" offer (It was free with Netflix!) and stupid for me to not remember to cancel in time. But I CANNOT afford to pay this $49.95 and have no one to loan me money. And I feel like crying right now... so no snark please.
Hopefully LinkedIn will answer my call tomorrow and I can plea my case that I am an unemployed student (hence using LinkedIn) and cannot afford to pay so pleasepleaseplease make an exception and refund my money. And if the nice approach doesn't work, I'll threaten to contact my bank about the charges. Am I within my rights to request a chargeback or say that this was an unauthorized charge? If I do succeed in getting my money back from Chase, will this show up on my credit report and will I really end up getting a collection agency involved (that should definitely ruin my credit!!)?
Please hope me.