I am convinced that Swirl.com is engaged in a deceptive practice of withholding due credit back to original method of purchase (e.G., credit card) on returns until its so-called "processing time window" closes to issue only store credit.
Swirl sold me a defective product which I returned for credit.instead of issuing credit, Swirl shipped the product back to me! They said the right things on the phone but would not follow through with promises. After over a month of my repeated attempts to get an RMA number and shipping return label, I was finally provided with both and shipped the damaged product back to Swirl. Alas, it didn't process my return for credit for close to 2 months! When I called to inquire, I was told that it was now outside Swirl's processing time window and that I could only be given store credit.
Swirl sold me a defective product, provided a lousy customer service, renegaded its responsibility of promptly issuing credit, and acknowledged (by Teresa, the customer service manager) that I was being punished for its incompetence.
Based on some other reviews posted on the Internet, I believe Swirl.com routinely treats customer returns the way it treated mine: withhold credit until "too late" and only issue store credit.
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