We don’t all have equal opportunity.
But we all have the opportunity to be better than what we currently are.
We ALL have the opportunity to be, and do better than we did yesterday.

Let me say that again and allow it to sink in

.
We don’t all have equal opportunity.
But we all have the opportunity to be better than what we currently are.
We ALL have the opportunity to be and do better than we did yesterday.

WE ALL have the opportunity to learn more today than we did yesterday
WE ALL have the opportunity to GROW more today than we did yesterday
WE ALL have the opportunity to become MORE than THEY thought we could become!

WE ALL have the opportunity to ATTRACT whatever we desire into our experience.
IT IS UP TO YOU
And you alone.
IF, you take responsibility for your life.
And seek the opportunities you wish to find,
 you WILL find them,
 and when you do: 
FIND THEM and CONQUER THEM.

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I paid $200 for this hoodie expecting high quality and received a tiny hoodie that was not as promised. I disputed it, got my money back, spent it, and now a week later it reads “PROVISONAL CREDIT REVERSAL-REF” and it’s $-190.83. Is there anything I can do about this?

CANDID ADVICE

Have you attempted to return it to the vendor? Or did you wish to keep the things while receiving credit?

This was also my query; OP, did you have the option of returning it?

This is critical.

As a result, this is my area of competence. You lost your argument, used the bank’s temporary credit, and now you’re out of luck.

You did not win the argument when they issued the money; the bank loaned it to you as a provisional credit throughout the investigation. They conducted an inquiry and discovered that because you obtained the product, there is nothing they can do. Just because you have the ability to argue does not imply you will prevail. People would know this if they read the terms and conditions of their accounts. But, I suppose, reading is difficult. This is all covered in your terms and conditions, in the disclosures they read to you when you submit a dispute, in the letter they sent you after that saying it was opened, and in the denial letter, I’m betting. Is the dispute over

It’s almost as though if you paid attention, you’d figure out what was going on. They are required by law to provide you with this information, so it is not lost in the wind. I’m not sure how you got to the denial portion of the issue and don’t know what’s going on.

Please read Regulation E and educate yourself on how a bank account operates. If you can read Reddit, you can spend 30 minutes reading and learning about the bank you use to keep your money safe.

To explain for individuals who check up Reg E, it does not cover this circumstance or failure to receive the products. Those disputes will be addressed in accordance with the applicable network regulations (Visa, MasterCard, etc.), the specifics of which are not normally detailed in bank-provided disclosures.

If it was a credit card rather than a debit card, it is likewise not protected by Reg. E. Credit cards are better protected under Regulation Z than EFTs are under Regulation E.

You can’t utilize credit card disputes to get your money back because the hoodie was.02mm too thin. That is not the case.

You should have first attempted to negotiate with the merchant. They would have returned it, and you would not have attempted it.

This is mostly irrelevant for your purposes, but keep in mind that this is a “non-Reg E” disagreement. The dispute rules controlling your claim here are governed by Visa/MasterCard rules rather than regulations or laws (however your state’s consumer protection laws may come into play). Under Visa, the dispute is controlled by “Not as Described or Defective Merchandise/Services, Condition 13.3,” which will normally default in favor of the merchant if you do not offer documentation that you returned the item. The merchant’s response criteria can be found at https://usa.visa.com/supporting-info/not-as-described-defective-merchandise-services-condition-13-3.html. #Why did I get this notification 6e15

No, because you received the product.

The quality of the items is not a valid reason for a disagreement. To avoid being taken advantage of, always buy from trusted suppliers.

Traditional B&M business has advantages, but it comes at a cost.

As soon as feasible, deposit $191 or more. Ideally, $230 to cover any potential overdraft fees. Use a standard credit card in the future. Better protection against fraud and disputes. There are also no overdraft fees with a credit card.

Did you use your bank’s self-service dispute option on their website, or did you contact a representative directly? In either case, you would have read or been told verbally that this credit is provisional and that if the inquiry concludes that the merchant made a convincing argument that it is a credible charge, the provisional credit will be erased from your account. You were warned it was only temporary, yet you wasted it anyhow. Accept it.

Savings in Part

I’m looking for help on PayPal Savings. I couldn’t find any recent official reviews other than the one on the internet. Everything I’ve read advises against “storing” money using PayPal, but that was before they had FDIC insurance. What is the advise for opening a PayPal Savings account now that they are insured and affiliated with Synchrony Banks? Rates are currently favorable, so will they be as excellent as any other online banking service?

CANDID ADVICE

There are better options available. I’d stick with a traditional bank like Capital One.

I would argue that the insurance is not the reason you should not deal with them. They aren’t great at anything else and can swiftly close your account and take your money with little recourse. If you want a lot of attention, how about Varo or Ally?

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