The amount is over $2k so too high for guarantee. It is quality issue. Speaking with MC today. Was told by chase this is issue but now MC is saying it is not correct. They did however say if there is not a documented return policy that it will be more in merchants favor than consumer. So no return policy is bad for consumer rather then being good. Was not denied just taking info relayed by chase rep giving advice on the dispute. I will update with outcome and more details.