I recently bought a bag from a seller and paid through paypal on top using my CC. When I received it the bag was much more beat up than pictured and the condition was just awful. I contacted the seller who stated all sale final, finally agreed to take it back with 15% restocking fee. Which means I still have to pay $200 for a falsely advertised item!! I heard all these stories about how badly paypal handle SNAD dispute so I decided to go directly to my CC. Full of hopes that they will be on my side, not only I received terrible customer service, on top I was told that they will not do anything against the seller's policy. Meaning that if the seller only do partial refund, they cannot do a forceful chargeback for the rest of the credit. Now my question is, is there any way to do this smartly? I don't know since when did the customer have such restricted right, when I was a seller years ago I had a customer did a forced chargeback on me and he got every penny back including shipping even before returning the mechandise (and even I listed all sales final?) Now I am told that I cannot do any charge back until the seller received the item and only if they refuse to credit me after 15 days. Then I can file a claim, but only for the amount the seller agree to refund? That is I need to pay the 15% restocking fee if I want to return, is like take it or leave it situation Just for information my CC is Discover, I thought their policy was very good that's why I used it. Now when I really have a problem I found them very unhelpful..... Please help!!!!!!