Legal Question in Civil Litigation in North Carolina

I own a jewelry boutique with a 'no refund' policy clearly displayed at the counter and on the sales receipt. A customer has demanded her money back and when we explained the policy to her (we offered her a store credit) she came in and abandoned all the merchandise on our counter and left saying she was filing a dispute with her bank. She even refused a written receipt that she had even left the merchandise here. What are my rights in this situation? She claims she was advised that she simply had to leave the merchandise in our store and the bank would refund her money. Have had a retail shop for 20 years and this is a first. We would like to be prepared for when her bank contacts us...which we are assuming is the next action. Thanks in advance.


Asked on 4/14/12, 8:07 am

1 Answer from Attorneys
Kenneth Love Ken Love Law

I suspect nothing has happened. Consumers don't have the right to just call their bank and challenge charges when a no refund policy is clear. Now, if she was given faulty merchandise, the no refund policy would not likely stand up. But if the items were of good quality and she just didn't want them anymore, disputing the charges with her bank with no valid reason could be considered fradulent and most likely criminal.

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Answered on 12/13/12, 7:03 pm


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