disputing stubhub charge with bank
Sometimes this option isn't possible. In the last decade, with the rise in online shopping merchants have seen a corresponding increase in chargeback abuse. Most banks have a toll-free fraud line that is available 24 hours a day, seven days a week. Worst case, I thought I was going to be brought to a screen were I would confirm or enter my credit card 3 digit security code. In this article, well examine the bank dispute process, including what it is and how it works. After attempting to reach stubhub customer service through the phone, email, and on Twitter with no luck, I disputing the transaction with my credit card company. Mardock offers these suggestions to smooth your interaction with your bank: Another reason to remain calm is that your bank may offer to remedy your complaint as a courtesy to you, even if you were technically in the wrong, says Crystal L. Rau, a certified financial planner at Beyond Balanced Financial Planning in Midland, Texas. in your letter below) into not using their only remedy. Often the easiest way to submit a chargeback request is through your banks website. With few purchases taking place on its platform now, the fees StubHub usually collects from both buyers and sellers on each transaction which could total anywhere from 25% to 35% are few. Generally, chargebacks occur between a merchant and a credit card issuing bank or a consumer. Thankfully, its not a job you have to do alone. Terms apply to the offers listed on this page. Hold times for phone calls can be long especially when customer service personnel have been reduced by pandemic-related cutbacks but if you have enough time and patience, you should be able to connect with a live person. I do not agree with this because they are taking our money when the concert isn't even here yet. Your web site does not adhere to the internet purchasing norms of every site I have ever shopped, and that is my issue. This happens most often with small purchases, where the overhead of contacting the merchant and investigating the chargeback would be far greater than the amount of the purchase. Ferndale WA. And most companies will work with you to try and fix the problem without getting the credit card issuer or payment network involved. Well also provide a step-by-step guide to help you navigate the system successfully. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! Cherry valley New York, Rustys Rod Shop Rusty Grindle Criminal activity and thousands in damages to my 6 figure truck build. This federal protection only extends to purchases over $50, and the sale must have taken place in your home state or within 100 miles of your address. Go to 'My tickets' then Orders in each one to see if you bought tickets. I don't remember agreeing to it, but it is possible I may have agreed to it. I tried calling you to discuss but didn't get ahold of you. Chase Geiser Cube Advertising LLC The American Report Podcast Complete scam artist that uses the seller platform Fiverr.com to help him rip off hard working people for thousands of dollars. The bank may also ask for some documentation from the cardholder, including: The third step in the bank dispute process is for the bank to review the matter and approve or deny the claim. How are you different from Amazon? The industry has come to term this type of abuse friendly fraud. If you abuse chargebacks, you can expect that your bank will take action against you including closing your account. You should only dispute charges in the appropriate circumstances outlined above. [2] Is The White Lotus breaking up with Four Seasons ahead of Season 3? How Disputes Work When you file a dispute with your bank, you are essentially stating that the merchant has failed to honor their end of a transaction. These laws govern both credit and debit card transactions. Keep receipts, photos and any communication youve made with the merchant to try and resolve the issue. How to get refunded for canceled events using your credit card - Bankrate "Front-line employees frequently serve as gatekeepers to supervisory or other personnel who have the authority to fix your problem," Mardock says. I have already filed the chargeback and I will not be deterred by your policy of threatening customers. Keep in mind that while the Fair Credit Billing Act does offer consumers protections, those protections are dependent upon you following its guidelines. Make stubhub issue them refunds. What Is A Credit Card Chargeback? - Forbes Advisor That was a total if $256.35 refunded back to your PayPal account on 12.12.2015. Any evidence of activity that the cardholder themself did not make or approve a transaction could motivate a bank dispute. Naturally, submitting a chargeback request by mail is likely to take longer than initiating the process online or by telephone, especially if you are required to submit supporting documentation. Find the right card for you. If you are a merchant, having a basic understanding of the bank dispute process might not be enough. Is anybody having luck with stubhub chargebacks with Bank of - Reddit Some banks also offer an online customer service chat that can assist you. This process occurs strictly between the two banks. Copyright 1997-2023, Ripoff Report. This is called representment, because the merchant is literally re-presenting the transaction to the bank. Sub-Category: Other You also may have to explain the methods you pursued to resolve the problem with the merchant before attempting a chargeback, or why those methods were unavailable or ineffective. I want my $600 back, and I would like you to consider fixing this problem on your site so this does not happen to other people. on this page is accurate as of the posting date; however, some of our partner offers may have expired. I want reimbursement for tickets and hotel. strict standards for business conduct. Make sure you have documentation to back up any statements you make on your claim form. We're here 24/7. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Whether your bank has made a mistake on your statement, you received a defective product, or your credit or debit card was used without your permission, federal law and Federal Reserve regulations protect your rights when you need to dispute bank charges. And fundamentally this happened because it is way too easy to accidentally buy tickets on your site. Mention the bank's response in your follow-up letter, but explain that you still refuse to pay or expect the money to be credited back into your account. Receive 1 Free Night Award every year after your Card renewal month. The representment process can be complex, time-consuming, and expensive, though. Anyways I am on the phone with my bank right now. Commissions do not affect our editors' opinions or evaluations. Ripoff Report has an exclusive license to this report. If a product didnt arrive, contacting the person or company you bought it from is often the best first step. 3. Your bank may make you wait before funds from a deposit are available. Whether your bank has made a mistake on your statement, you received a defective product, or your credit or debit card was used without your permission, federal law and Federal Reserve regulations protect your rights when you need to dispute bank charges. Transactions for which the shipping information doesnt match the cardholders address. The Fair Credit Billing Act (FCBA) of 1975 gives consumers protection against creditors in certain situations regarding unauthorized charges and certain billing errors. If you notice a fraudulent purchase or another disputable charge (that youve already tried to resolve directly with the merchant), its time to reach out to your credit card issuer to dispute the charge through them. Please try again later. The more documentation you have, the more likely your bank will be to side with you. He misrepresents skills, says he is in US, but is in other countries, opens backdoors in software, Victoria Pressly AKA Victoria Talbot? The content Corporate Advocacy Business Remediation and Customer Satisfaction Program. Bottom line. Stubhub's policy is in the short term interest of EBay's shareholders but not in the long term interest of customer satisfaction. I immediately (within SECONDS) opened a chat window and asked them to reverse it, and they refused. Unauthorized credit card charge from StubHub : StubHub At this point, the acquiring bank recoups the value of the original transaction by withdrawing it from the merchant's account. Internet. X How are you different from NFL Ticket Exchange? It took just a few minutes of explaining the situation for my card company to refund me and initiate their disputed claims process. We use cookies to make wikiHow great. Regardless of how you initiate your chargeback request, your bank will walk you through providing the information they require. Your credit card APRs will increase when the Federal Reserve raises interest rates, but you can take steps to reduce the financial stress. The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. I have a loan for a $30,000 car, yet I have no car, "I have been completely ripped off." "A calm, warm tone may encourage that front-line employee to advocate on your behalf or connect you with the powers that be.". Improve earnings, maximize rewards and track progress toward dream trips. If this is not intentional, I would like an explanation of why you think your use case is so special that you cannot take any actions to make it more difficult for people to accidentally purchase tickets on your site. Ask the Community Kaila I am just a normal person who truly believes you guys are ripping off consumers by making it too easy to accidentally purchase tickets on your site. Chargebacks (also known as credit card disputes or transaction disputes) are a convenient way for cardholders to recover their money if a purchase was the result of fraud, or if a product didnt satisfy their expectations. Yes No Still Need Help? Here's how: After signing in, find and select the transaction you are concerned about Review the transaction details and click Dispute Transaction to start the process Answer a few questions, review your responses and click Submit dispute De Ruyter New York, Progressive RV insurance Blowing me off. This compensation comes from two main sources. "This person is more invested in your satisfaction and knows how best to navigate the internal channels toward a resolution," Mardock says. I have already filed the chargeback and I will not be deterred by your policy of threatening customers. For minor errors, you might consider simply calling the bank rather than filing a formal letter of dispute. To avoid penalties, pay your credit card bill when it's due, but earlier payments can offer benefits. The cardholder disliked the service provider or merchant. Please view our advertising policy page for more information.