Chase chargeback reddit I cancelled my Chase Sapphire because a hotel double charged me and Chase denied my chargeback claim without even calling to talk to me about it. Your Reddit account must be more than 1 day old in order to post! Take that time to search the sub and read about your issue before posting! I’ve done chargebacks with credit cards (Chase and Discover) and both processes where streamlined and efficient. Give it a month or so, Chase will take back their credit. unfortnatly at the end of the day there is not a perfect way to know who is abusing the system and who just happened to need to file a few chargebacks at the same time. com or call the number on the back of your credit card. After not getting any luck with the merchant I called the chase dispute line to start a dispute for the charge since it wasn’t resolved with the merchant and the person on the dispute line told me that they can’t do anything about it since the transaction was in person. com wouldn’t cancel and I called chase to do a charge back and they did credit me. Jul 20, 2021 · 8/15/22 Chase freedom flex $10. We would like to show you a description here but the site won’t allow us. I initiated a chargeback and I know using a debit card was a bad idea, but what are the chances I can actually win this chargeback since I have proof of the package itself not even being big enough for the intended original item, and UPS proof that the weight of the package is less than the actual item weight without packaging. First time I’ve done a chargeback in quite some time, and the process is taking me just over 2 months. I booked it because it was listed as west Texas area. Pending charges generally post within 1-3 business days. The account closures involve different scenarios. Fuck chase. My card number, even changed and they still allowed the merchant to charge. What my chances to get a chargeback? So…I signed up for a VPN at a huge discount (had to pay like, $56 for two years, with a 30-day money back guarantee. I’ve owned a Chase Credit card for years now and the chargeback process has always been online and automated. Door was $1800 to replace. They immediately credited my account. Probably going to file a state action next. I called Chase and they said they would discuss with United. If you look up Regulation Z (credit card)or E (debit) chargeback reason codes you can see exactly what you need to provide to win a dispute. I thought this would be a clear cut win for me, I have proof in writing and years of transactions with Target and Chase. Members Online I was told to ask for advice here from Legal help, but my dad took $20,000+ out in student loans using my name and social security number without me knowing for a company called NelNet. It’s because the first purchase was blocked but once unblock it seems like it went through but actually doesn’t and eventually disappears in your bank statement. HI! We have a rental based in ATL and a guest recently filed for a chargeback. Idk the details of what happened to you, but just keep in mind that Chase may take the credit away if their investigation leads them to believe it wasn’t fraud. Can I dispute a pending charge? Credit card: Charge must be posted in order for a dispute to be opened. I've actually experienced this before myself when I didn't cancel a Panera Break coffee and tea subscription on time, called Panera and they I place a lot of orders using my debit card for business and for myself. Any recommendations on a bank that is a bit more customer friendly when it comes to chargebacks? When we got back from the trip I called Airbnb for a refund and they refused so I filed a chargeback with chase. ) So I filed a chargeback on my Chase Freedom credit card. coinbase locked me out of my account, though i was already locked out and balance was reading incorrectly after making another 2100 dollar deposit. Money was then And I mean problematic where you have legitimate disputes and Chase still doesn't side with you and it's a common occurrence that Chase does this. At one occasion, I have had to file chargebacks against 4 merchants in a short amount of time due to bad luck with shady sellers. Chase instantly decided in my Depending what Chase credit card you have it's likely you have purchase protection. 99 price tag. Expect to mail some forms back and forth and waiting in long phone support line in various steps of the process. We need to file something with your bank which is extremely stupid and get them shut down. My wife owns a small business (boutique) and this issue has come up a few times. Locked post. Specifically, if anyone has a Chase CC and has done a chargeback or disputed any transaction with Chumba Casino, I’d appreciate any advice you may have in regards to the process, what to say, how to do it, etc. Tried two chargebacks with Chase under $50 for times I either returned and never got the refund despite 8 weeks past by when Amazon's own return tracking label says delivery to their return warehouse Tried chargeback with Chase, and they initially refund you, but then they were both reversed, because Amazon had responded with "evidence". While I did this I also filed a chargeback with Chase. I hate to do it, but I literally had a waiter who did not wait on me. Welcome to the reddit community for Vampire Survivors. If you have an email or screenshot showing that what you get will be authentic and you show proof it's not either by a professional or by comparing it something else, that will help. Chase Freedom $15 $100 $5000 $8500 100% success rate If the chargeback is in good faith, there is no reason to lose a dispute. Amex officially gives you 180 days for disputes, but they often will let you file a dispute beyond 180 days. Read our guidelines before posting! [State] and [Type] of property tags are required in the title of posts. Join our community, read the PF Wiki, and get on top of your finances! However that changes based on chargeback code for a not as described you can extend that timeframe based on going discussions with the merchant. So I did a charge back and during the charge back process Amazon refunded me and chase denied my chargeback. Not if they told you they completed the investigation. I was about to give up when it occurred to me to dispute the charge with my Chase credit card. There may be something where Chase is accepting the chargebacks and sending the debit back to the company so that it can be included in the bankruptcy. I own a small business and have lost upwards of 7k through stripe. I am wondering how many chargebacks is "too many" and what negative effects, if any, are there to filing chargebacks as a buyer. each bank has their own policies on it, but banks can and will end relationships with you (basically close your account) or at the least restrict certain things on the account if they believe you may be abusing the process. If they do business in your state they are easy to file against. Some disputes can definitely be settled same day. Just like Airbnb, they collect the money and assume that liability. Next, gather all pertinent documentation, including receipts, emails, order details, and any correspondence with the merchant. It’s cheaper for them to deny you your consumer rights and make you sue them than to follow the law. I always do a credit card chargeback on all items that don't arrive early. Reply reply More replies We would like to show you a description here but the site won’t allow us. Nobody knows what happened to my $1200, chase made me pay it and Amazon said they returned it already. " To prevail, you need to be able to prove that the tickets you received were not "what was described on the transaction receipt or other documentation presented at the time of purchase," or "the terms of the sale were misrepresented by the merchant. Also for non-receipt of merchandise chargebacks, you can extend it based on date of delivery. Curious if anyone had similar experiences with Chase as this is the first time I ever filed a fraud dispute or chargeback with any credit card for that matter and how it played out for you. During the conversation, I was lead to believe that Chase would proceed with this dispute in accordance with the Fair Credit Billing Act and Visa's merchant dispute policy. What does this mean? Dec 9, 2024 · Hi, to keep things short my debit card information somehow got obtained and somebody then linked my card to their cashapp account. I used chase and booked a hotel room on hotels. Chase reversed chargeback Hello, a couple months ago, I used cashapp to pay for something that turned out to be fraudulent. Reddit link Even if what they’re doing is illegal, it’ll be a pain to get it off your credit report. Almost all platforms are vulnerable to chargebacks, because it’s not the payment platform that does it it’s the persons bank. So to somewhat correct what the other poster mentioned, depending on the card provider you typically have somewhere around 120-180 days to dispute something charged to your card. Chase Freedom for example gives you $500 of coverage against theft. This is getting out of the realm of credit cards, but in general, if you have a legally binding contract with a merchant, winning a credit-card dispute doesn’t get you out of the contract. Chase Visa cards give you 120 d Chase is definitely one of the worst for charge backs. There are many instances of customers disputing transactions for the hell of it. I never got a receipt or any itemized bill. It seems kinda dumb how hard they're clinging to the retail business and expanding it year after year after year even as it's obviously unraveling on them at this point and isn't even where they make the real money. If the merchant opts to contest the dispute then Chase has the option to exercise a pre arbitration within 30 days and then the merchant processor has another 30 days to respond and after that Chase will have 10 days to file Arbitration if in fact it goes that far. However much to my surprise today I just got a letter from Green Dot that they will refund me and should expect a check in my mailbox by 4/7/23. The merchant's only recourse after the second chargeback is to initiate arbitration of the dispute by the card association. " Hi everyone, This is about a (small business) company I have previously used repeatedly without issues. Chargeback regulations will also require your bank to notify you if the dispute is lost and they’re taking the funds back before they are removed from your account. 19M subscribers in the personalfinance community. I am going through disputes. Chase said something to the effect of “ Airbnb has submitted documentation indicating the charge is valid. The only chargeback you would be eligible for is, "Not as Described or Defective Merchandise. 5k-->$15k-->$19k AU, wife 7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL 8/2/23 Chase freedom flex $19k --> $22. A company equally has the right to say that to you. me and chase are final in this regard. This is a type of fraud called “friendly fraud” when people file chargebacks on legitimate purchases. 3k CL Jan 13, 2025 · I have read a lot of resources online about chargebacks and what to expect but none of them mention a bank challenging a merchants response. With no end in sight, I placed a chargeback and all was good for months until just recently when the claim was reversed. Chase just straight up let some random Hilton steal $130 from me. I tried to do a chargeback with a phone bill that was double charged to my account cause T-Mobile was no help whatsoever to refund, after getting proof of T-Mobile admitting to double charging the Account and even mentioning to contact my bank and chargeback, chase still wouldn’t accept that, A moving company dented a door on my brand new GE Cafe fridge. I've heard of people getting their chargebacks reversed months after they thought it had all been taken care of when the vendor provided their bank additional information (which is usually contractual legal terms - not any sort of delivery or performance proof. I took a look just now and it’s there. It took a couple of months but Chase sided with me and let me keep a full refund of $600. In these cases where the merchant doesn’t attempt to dispute or inadequately disputes the chargeback, Chase goes ahead and finalizes the claim, giving the customer the full credit. Cashapp refused to reverse the charge, so I filed a chargeback with chase and recieved a temporary credit, however just yesterday chase reversed the chargeback and took the money out of my account. After about 6 hours Chase called back and gave me a refund! It worked out well after a lot of time on the phone. As noted, The Fair Credit Billing Act (not just Chase) limits chargebacks to your home state or within 100 miles of your home, so Chase by rule does not have to do a chargeback for you. Join our community, read the PF Wiki, and get on top of your finances! Before you do a chargeback make sure it doesn’t go away first. It could be taken back by Chase after they investigate, which is usually within a few weeks. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. You can still give it a try. Chase accepted my chargeback after I provided documentation proving the item was not as described. So, I disputed with chase, then CPPB disputes and I think it's called an OCC dispute. Chase has separate departments for dispute and fraud. My confirmation was a place in fucking Michigan. I paid back in February, so the online dispute option wasn't there but it was no problem over the phone. I've done 2 chargebacks through Chase and both were ruled in my favor. $200 won’t get automatically resolved. Look at the chargeback reason codes on your letter which would state the reason of dispute. Always file the police report first thing when there are fraudulent charges; the police report serves as your official statement your Chase card was stolen (even if not physically). They stayed at the property with no issues whatsoever. /r/StudentLoans: Reddit's hub for advice, articles, and general discussion about getting and repaying student loans. Do you have any advice about the process - like what information has been useful to provide to the bank, and how Vail has attempted to dispute the chargeback? Ur screwed. so Mar 23, 2025 · Step 5: Once you’ve answered all of the questions, you’ll confirm and submit the dispute and Chase will handle it for you from there. If you’re on mobile do the following: Click person in top right Click secure message center Click + New Message What is the about drop down-> I have a question about one of my accounts Choose an account drop down-> pick your account Choose a topic drop down-> dispute transactions on checking or savings account. When there is a chargeback, your bank sends a message to the merchant's bank that a specific transaction has been disputed, and to hold that money in case it needs to be returned back to you. First you have to call them and then go through a series of questions. However, many times banks will ignore that and side with you to keep you as a customer. It's extremely rare and has to be clearly refund fraud, which will be investigated. For your security, do not post personal information to a public forum, including your Coinbase account email. One was for an item not as described (off brand Chinese knockoff of what I wanted). File the chargeback only if the company is being a jerk about giving you your money. PayPal can be a #%$#% to get anywhere with, and they can send your account to collections, per their terms. Or check it out in the app stores But how easy is Chase to work with chargebacks like this? Share Forget about C1. . com or the Chase mobile app and you can say you've tried getting a refund with the merchant. I called Chase right away to dispute the charge but it was already pending and they told me to wait until it is posted. All the advisor will do here, in this case, is look at the most recent charge and see that it was chargebacked. A few months ago, I got a dispute letter saying my restaurant charged an incorrect amount, but in fact, it was the amount of tip the customer forgot to write on his copy of the receipt he kept. VRBO doesn't. When I called VRBO, they don't hold themselves liable. Bottom Line: The process of disputing a A scammer used zelle to send about $900, however disputed it with Chase a week later (possibly stolen funds but I think it was just a fraudulent claim, since I had all this customers info) Chase then charged my account (another transaction) as a chargeback. In response to the dispute you filed with Chase, the merchant will send Chase some paperwork providing proof that they already gave you a refund and will not accept the chargeback. A chargeback in itself isn’t unethical if the company is being unreasonable or outright lying but too many people are claiming things that aren’t true and it hurts everyone except the guy who gets twice his money back and/or the item. A subreddit for discussing credit cards. They need the police report. I sell online and I’ve had it done to me. Charge was removed. I then noticed a week later that the refund was never issued so I emailed the seller and he would not respond. Good luck mate! Insurance products are made available through Chase Insurance Agency, Inc. If you're considering initiating a chargeback through Chase, start by trying to resolve the issue directly with the merchant. But remember that’s provisional. That's the part of the company everyone cares about. So, I file a complaint with Chase saying the product or service (the service in this case) was not as I expected it to be. 3k SL-->$12. Long story short, I signed up for an app trial in the Apple store thought I canceled, but it auto-renewed for an entire year ($85). Instead Chase seems to have miscategorized a merchant dispute as fraud, and during the time it took to identify the handling error, the 60 day time-frame has lapsed. Be extra explicit with Chase that you are reporting the charges as fraudulent, not that you want to initiate a chargeback. When Chargeback is returned unsuccessful, Chase may choose to write the $410 off, so you're not out of pocket, but neither is Riot. The merchant was late or never provided the product or service. Win, Win for you. PNC seems to unfriendly customer chargeback policies. It’s pretty common. File against both the hotel and Chase in your claim. I can’t remember if the timeframe is one week or 5 days, but they have to give notice before removing the provisional credit. got my provisional credit the same day. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Feel free to ask any questions, start discussions, or just show off your runs! Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Today for the first time I tried to issue a chargeback on a Capital One credit card and the process was just crazy. Fortunately, the merchant made it right after telling them about the police report and sent me a second package. Hotels. Aliexpress works well when you do credit card charge backs. You will be 100% fine those sites operate illegal in order for the chargeback to not go through those sites. One has been credited but showing ‘under merchant review’ for the past 5 weeks and the other has not been credited and still under initial review. I'm just at the start of the chargeback process with Chase. Is chase pretty good with chargebacks if a server secretly increased tips on the bill? I'm always paranoid of that happening, I recently got takeout at longhorn steakhouse and forgot to take a picture of the receipt. Chargeback Questions for a chase bank credit card Hello r/CreditCards ! I opened a dispute with my card provider, Chase Bank, because a merchant I had purchased goods from delivered them to the wrong address and did not respond to my emails, calls, even Instagram DMs before I bought the same items from a different vendor. After a couple of days I didn’t like how it acted with my phone, so I canceled it, deleted the account and removed the app. Retail goods and consumer services are only a small fraction of the profits today. That wouldn't get you back all your money but it would get you some at least. Aliexpress, once you do many chargebacks, will rule in your favor more often in a refund process. they can deny you future business but if you decide to chargeback a company that is 100% on you because a chargeback is the equivalent of saying: "I have lost faith in this company's ability to deliver their services and thus no longer wish to be affiliated with this business ever again". App developer told me I should have a 30-day window for refunds, so I immediately requested a refund within the app store and my request was auto-denied! Unofficial, community ran subreddit to discuss Chase Bank, its affiliates, and subsidiaries Capital One was an eBay seller like 10 years ago, that never shipped. It matters what card you used. Yeah, police reports seal the deal for frauds. Opened two cases regarding a failure of service. The only loss is they get debited back for reversed transaction when they disputed. bank recovered it from them. You can insist all you want, but the only point you're actually making is that it is not fraud. Communicate your concerns and attempt to reach a resolution or refund. chargeback is a consumer right hence customer/creditcard holders cannot be penalized for invoking the right to dispute. I wrote a long explanation of my side of things and submitted it to Chase. Yes, she never came back once. They immediately put the funds back onto my card while they did an investigation. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. So I preordered this item back in May and due to allocation issues, the order was canceled. The reason it shows two. Airbnb will block you. Chase is notorious for just denying chargebacks, even when warranted. I used to work at a bank doing chargebacks, and not too many people know that the regulations and guidelines that your credit card company uses to process chargebacks is freely available on the internet. As others have stated, the time limit is for after the date of promised service. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning… Hey mates stripe is awful with chargebacks. Chase Chargeback Credit So my card ended up getting used for paypal transactions, someone must of sent themselves money using my card or something because there were two paypal transactions for 250$ when i woke up this morning. You may sue a corporation or LLC in your state if it does business there, even if its headquarters are in another state. I had similar experiences with Chase and they called me twice for “investigation” so the third time I just gave them the case number, detectives name for that fraud case and they stopped bothering me. You can also keep tracking of your open (and closed) disputes via your Chase account portal. Thank you!! I appreciate any advice/tips you may have :) Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Chase then sends you the monthly invoice to transfer in or pay the debt it incurred on your behalf. I feel like we the host must not be responsible for that chargeback. Join our community, read the PF Wiki, and get on top of your finances! If you do many chargebacks over a very short period of time, there might be an issue, but I have never seen a permanent ban from a chargeback. I have this problem with my last bank where I had to file a dispute from a Turo charge where I just signed up, and rented a Tesla. in Florida. com to find out the west Texas room was actually in Michigan. With Chase, it related to a membership I cancelled a month prior. I would’ve started by saying you didn’t recognize the transaction. The same thing happened to me recently This subreddit is a public forum. If this goes bad I think I’m going to pull money out of PNC and close my account. If the charge posts and you wish to dispute, you may do so online at Chase. A. You would almost certainly win the dispute with Chase, but since it’s PayPal, that should be a last resort. The game is an action roguelike game that is well worth the small $4. 60 days is if you are reporting fraud, IE transactions you didnt do. No idea what I really should be charged at all. Chase kept closing the claim and I was stuck with purchasing a new door on my dime. A customer comes in, buys something with a credit card, within a couple of days we get an email from our bank saying that the customer reported that the "product was not as expected" and the money is being withdrawn from our band to refund to the customer. Al’s not closed my CSR at that point but I just opened a CFU and had $20k in furniture (15 months promo APR) and needed to transfer all those points to PYB. It's strange they did it so quickly, normally it takes far more than a few weeks. I will always be a chase guy. What can I do now? If you don't want to call in due to the nature of the charge, you can always try making your dispute via Chase. Certain custody and other services are provided by JPMorgan Chase Bank, N. I did not even send the item back. If you ordered something on back order and its 5 months out, you are still protected. (JPMCB). Moved to a service “Limepay”, not one loss on a chargeback fraud claim, they’re exceptional. I called them again a few mins ago since the charge on my card increases and it seems that the transaction has been posted already today. So it could take over 4 months at the very most. Don't stress about it or anything. They know their stuff and you have a real person talking to you via phone and email explaining the evidence process. I got the money back within a few days but 2 months later my card was recharged. ” Every employee I spoke to at Chase apart from the original employee and his manager acknowledged this is exactly the type of case that a dispute is for. well kia ( know it all) , chase took good care of me. Other cards will be 60, 90, or 120 days. I went back today and was informed that the company's system blocks the employees from any returns starting today. Can I call Chase and cancel my chargeback and have them re-charge me? Update: I ended up spending hours on hold with United, who then told me I needed to call Chase to get a refund (I had booked the trip through Chase travel portal). Chase never did anything useful and Amazon said they already returned it so they can’t do anything more. Get the Reddit app Scan this QR code to download the app now. 00!! For those with Chase: It doesn't matter how long it's been since you paid. I paid them ~ $3000 in Feb and March 2020 using Chase Ink and Chase Sapphire for a travel experience that was canceled due to Covid. Plus you get to make sure Chase is involved as well and actually looks at the proof you Interesting. The second chargeback results in a second crediting of the cardholder's account for the disputed funds, after having been credited back to the merchant with its response to the initial chargeback. Does anyone else had this response from the dispute line? So at this point, I think I need to file a chargeback with Chase. I am not sure which option I should choose when filing the dispute: I returned or canceled a one-time purchase and haven't received a credit. Chargeback Hello, I recently made a purchase at a company's brick and mortar for their closing sale and was told I could return items until Sunday. In fact, both Visa and Mastercard Chargeback guides specifically mention digital assests, including cryptocurrency, are not enrolled in the chargeback program and as such no chargeback rights exist. I tried to file a chargeback but the lady at Chase said that it took too long so they can't make a dispute against the seller. This subreddit is for civil discussions regarding Homeowners Associations. 8k-->24. egdzi tdsx qxh kvwoc whvwz cbbqcqt yggucn yizb nfgrlmh ikcxnzl choyc slg lug ljdoude vnljpy