ArizonaGuy31
Rough_Rock
- Joined
- Feb 21, 2020
- Messages
- 4
Bank told me they wouldn’t allow me to purchase anything through them.
Bank told me they wouldn’t allow me to purchase anything through them.
Bank told me they wouldn’t allow me to purchase anything through them.
If a particular bank has had an unusual amount of chargebacks on purchases from a particular vendor it is possible.
That was my first thought as well, assuming he/she is using a CC. OP should press his bank for more details; they want to minimize risk not only for themselves but their customers as well.
That was my first thought as well, assuming he/she is using a CC. OP should press his bank for more details; they want to minimize risk not only for themselves but their customers as well.
**UPDATE** The credit card supervisor told me that they have a merchant fraud score of 0-999, with 999 being the most fraudulent. She told me Adiamor had a score around 950. So now I'm really at a loss for what to do next, but I think I need to pause my purchase with them until I can do some even further due diligence. They said they will not allow me to use a credit card OR debit card to complete this purchase, it is that much of a concern for them. This is wearing me out and I think I'm just about to go wave my white flag at the local overpriced Diamonds Direct.
There are plenty of other places online to buy a diamond - James Allen, B2C, Blue Nile, etc. After what happened with Enchanted Diamonds (is that the name of it), I definitely wouldn’t try to proceed with Adiamor given this information.
**UPDATE** The credit card supervisor told me that they have a merchant fraud score of 0-999, with 999 being the most fraudulent. She told me Adiamor had a score around 950. So now I'm really at a loss for what to do next, but I think I need to pause my purchase with them until I can do some even further due diligence. They said they will not allow me to use a credit card OR debit card to complete this purchase, it is that much of a concern for them. This is wearing me out and I think I'm just about to go wave my white flag at the local overpriced Diamonds Direct.
Don't go to Diamonds Direct. Your situation is not that dire yet. There are a lot of reputable online vendors out there: Whiteflash, HPD, Brian Gavin, James Allen to name a few. Brian Gavin and WF have beautiful settings to choose from. If you can't get through the door, open a window.
Ummm... Diamonds Direct is a reputable company... you just have to know what you're looking for (and ask for it specifically). Maybe not the best choice for someone who doesn't want to do their homework, but to infer they may not be reputable is pretty harsh.
Where did I say that it was disreputable? Nowhere, that's where. The OP seemed to feel that DD was their last shot and I offered alternatives. Lighten up.
I'm surprised no one has asked this, but what is the name of the bank, or credit card company, refusing to work with them?
I would be curious to understand what things drive a certain score. For instance, if returns drive the score I could see how most virtual inventory diamond houses like Adiamor, BN, JA, etc would all have potentially high scores.
People buy diamonds online with the intent to inspect with their eyes. If they don't like them, they take advantage of (normally) a 30 day return window.
That's a core root of their business. I wonder how Amazon ranks with your bank? Seems the last half dozen orders we did with them, something was returned. The vendor handled the refund quickly and effortlessly so IMO a return only is not justification for a bad score. Making your life, or the bank's life, hard to do the return is a different story. Not that Amazon is on the same dollar level, but they do a boat load of business and I assume lots of returns as well.
Okay... I think you took that the wrong way.
I never said that you said DD was disreputable. However, by posting, "Don't go to Diamonds Direct. Your situation is not that dire yet..." might lead one to believe that DD may be less than reputable, lacking in quality, or even a last resort, when in fact, it is none of those things.
I was simply expressing to the OP that it's not a "dire" situation to purchases from them. That's all.
My post was about choice, not quality. The OP seemed to indicate that it wasn't his first choice and called it overpriced. He didnt seem happy about going, so I told him the situation wasn't so dire - meaning that he wasn't limited to DD, that he had other choices as well. I'm pretty confused as to why I was singled out in the first place. It's not as though *I* said DD was overpriced or indicated that it would have been my last choice.
A debit card is your money, not theirs. The idea that they won't allow you to use your own money is insane. I would understand if it were a CC purchase, but it isn't. I would be furious and demand to speak with a manager.
**UPDATE** The credit card supervisor told me that they have a merchant fraud score of 0-999, with 999 being the most fraudulent. She told me Adiamor had a score around 950. So now I'm really at a loss for what to do next, but I think I need to pause my purchase with them until I can do some even further due diligence. They said they will not allow me to use a credit card OR debit card to complete this purchase, it is that much of a concern for them. This is wearing me out and I think I'm just about to go wave my white flag at the local overpriced Diamonds Direct.