Comment by CamperBob2
21 hours ago
This is exactly what small claims court is for.
Small claims court is exempt from arbitration requirements (which are primarily aimed at avoiding class action suits). It doesn't require you to hire a lawyer, and probably won't get your account automatically nuked the way a credit-card chargeback would.
You're totally right! Please refer to paragraph 213 of your service agreement, in which you agree to binding arbitration with an arbiter of our choosing at your cost. I hope this answers all of your questions! Have a wonderful day!
Not legally enforceable, but absolutely something that it would say in order to dissuade you from going to small claims court
Just saying, small claims court is a farce. You can win, and then the losing side just ignores the verdict.
Then you can go back and figure out how to get your money, depending on the business this might be really hard.
And this isn't a hypothetical. I have had this and never seen any of the money from the judgement....
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JFYI, small claims are exempt from arbitration.
I don't think you even need to go that far. Just refute the charges with your credit card. Very high likelihood of a successful refund since they already acknowledged their error in writing.
There's a fundamental power imbalance: if you do this to any service, they will likely ban your account. So the monetary reward has to be enough to merit moving all your data and workflows off them in advance and never using them again.
^ This.
I naively disputed Steam not honouring a refund (it was for about 0.5% of what I've spent with them up to that point), a couple of £pound at most. I'd paid by PayPal and as Steam refused to abide by UK law (Consumer Rights Act says broken stuff has to be fixed or refunded), I raised the issue with PayPal. I expected Steam would refund me, instead they did not dispute that they'd unlawfully failed to refund me, so PayPal - Steam's provider - cancelled the charge.
In response, Steam 'limited' my Steam account - effectively closing it temporarily. Now it's limited so they won't use PayPal to sell me anything now, so I haven't bought anything from them since [I have cashed in CS skins, and used that cash to 'buy' games].
It was an interesting lesson in 'might is right'. PayPal were able to refund the transaction because Steam want them and had no argument against the refund. Steam were able to cut me off because this appears to be a loophole in UK consumer law - sellers who break the law can just dismiss buyers who ask for refunds. Lesson learnt.
From Steam's point of view, they pissed off a customer and probably burnt 30mins-1hour of support time in answering my requests, way more than the cost of the refund. But selling games, which I later found Steam knew was broken, and then not refunding because I had the tenacity to try and fix it - meaning that the game sat open for longer than their auto-refund time - is not on imo. Petty of me for sure. Crap of Steam too.
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No that's not how that works. This stuff is a non-event. You refute the balance, they have a period where they can defend their claim (8/10 times they don't), you get your money. This is a very basic transaction that happens every single day to every major company. "Banning" you costs more than your refund and has additional legal risks.
I know being helpless against tech companies is a major trope in these comments but this is basic everyday transaction stuff. Plan on being on hold with your credit card company but not being a central target for a trillion dollar AI startup because you asked for a $100 refund.
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They won’t ban you for going to small claims court?
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I would be that would be highly unlikely to succeed. I have tried to dispute charges with my credit card for similar issues, and they always side with the business. I don’t think I they even check.
Can companies decide not to serve you on the basis of a successful lawsuit you had against them?
If not, then it might be better to go the small claims court route.
doing charge back means Anthropic will ban you forever.
Probably, but if a business cheated me out of that much I wouldn't be doing business with them again regardless so at least to me it would make no difference.
If you file pro se and even if you've agreed to ten thousand arbitration clauses, they'll at least have to spend $200 on a lawyer to respond.
So, you can waste as much of their money as they wasted of yours.
$200 for you is not the same as $200 for them
With an Anthropic engineer salary netting them about $200 per hour, yeah. Multiple people from Anthropic got eyes on this and saw it was no biggy.
It makes sense if you understand, to their eyes, that $200 is more like $10.