<prompt> Human: Hopefully this is relevant to the sub, but I wasnt sure where else to ask. What are some of your experiences with buyer protection with different CC companies? I recently had to use it for the first time with my Capital One card, and its been a bad experience.Ive always heard that CC companies work on your behalf, but apparently I got the wrong idea. I bought a monitor on Ebay first mistake which ended up being defective. It shuts off within 2-3 minutes of use and cant be turned off, pretty cut and dry stuff. Of course, the guy refused to take it back. So I contacted Capital One, and they posted a charge back, which is what I expected them to do. I offered to give them the video and pictures and whatever else they needed. A few days ago I saw that the charge had been added back to my balance, and I got a letter in the mail saying that I had to take the monitor to a repair shop and get an authorized statement on company letterhead saying that the monitor is defective. When I called to complain, they told me that I also needed to get a quote for how much repairs would cost.Sorry, but thats ridiculous to me. There are no computer repair shops anywhere near me, and even if I found one, Id have to pay them to test the monitor. I dont have time for all that, so Ill probably just end up keeping the broken monitor. Is this common treatment or should I look for a better company than Capital One in the future?  <response>: fraud protection return protection. Fraud is for purchases you dont authorize. 