On *rare* occasions I've had products not arrive. Stolen? Delivered to wrong address? Don't care. Until I receive the product from the vendor, this is NOT my problem. Investigating failures of the vendor's delivery agent is also NOT my problem.
Most vendors realize that delivery is not complete until they can show it was delivered. Most of them will also take the risk to ship without signature; it's more convenient for them and their customers are generally happier with it. But it's their risk. If the delivery fails, usually calling the vendor and complaining will cause them to "reship" the product and require a delivery signature. In the rare cases this doesn't work, the below has worked for me 100% of the time.
Last time I had to do this was over a year ago, with bogus hotel charges, not package delivery. Vendor did eventually do what they were supposed to, but not before the Visa dispute. They knew they were wrong and tried to run out the clock. When the dispute went through they refunded to avoid a ding from Visa.
The statement at the end gets Visa out of any liablity; they do NOT care. Because if you're committing fraud, the vendor can go after you.
$Credit Card Issuer
Re: Visa $AccountNo: Dispute Transaction ID $TID
On $Date I ordered and paid for $Product from $Vendor using Visa $AccountNo.
The transaction ID for the purchase follows:
By $Date, $Vendor has failed to deliver $Product.
On $Date I contacted $[email address or phone number], representing $Vendor.
I explained that $Vendor has not delivered $Product after $Days and that the period to dispute the charge is running out, therefore I am following up the issue.
$Vendor is unable to confirm they have delivered $Product to me, however $Vendor has refused to refund $Price or to agree to deliver $Product by $Date.
I have therefore made a good$faith effort to resolve the issue with $Vendor.
I dispute Visa charge of $Price to $Vendor. Refer to Transaction ID above.
I affirm under penalty of perjury that the above statements are true and correct to the best of my knowledge.