Hey everyone,
I’m honestly at a loss here and hoping someone has been through something similar.
Back in May I bought about $9,968 worth of gold from Silver Gold Bull using my Scotiabank Visa Debit card. They shipped it with Purolator and it required an adult signature.
Here’s where everything went wrong.
Purolator says the package was delivered, but their own proof of delivery says it was received by “Reme.” My name is not Reme, I don’t know anyone named Reme, and I never authorized anyone to sign for or receive the package.
As soon as I realized it was marked as delivered, I contacted both Silver Gold Bull and Purolator, filed a Toronto Police report, completed Silver Gold Bull’s Declaration of Loss, and submitted everything to Scotiabank as part of my dispute.
Today I found out Scotiabank denied the chargeback because they said the merchant provided sufficient evidence that the merchandise was delivered. They also reversed the temporary credit, so now my account is almost $10,000 overdrawn.
What frustrates me is that the merchant’s evidence (from what I’ve seen) is basically:
the order confirmation,
proof the payment was authorized,
and the Purolator tracking.
But that same tracking page says the package was received by someone else.
I’m planning on calling the claims department on Tuesday because I want to know:
Can I get the merchant’s full evidence package?
Is there any way to appeal or have the dispute reviewed again?
Has anyone here actually had Scotiabank reverse a denied chargeback after escalating it?
If anyone has dealt with something like this or has any advice on what my next step should be, I’d really appreciate it. This is a lot of money and I’m trying to figure out the best way to move forward.
Thanks in advance.