12/2/2023 0 Comments Chase chargebackIs this Chase US or some other country?ĥ. Where are you located (nothing in your profile)?Ģ. Need some specifics here if you want a specific answer:ġ. Is there any way to speak to a competent person at Chase who will actually explain to me what their position is? I filed a complaint with the federal consumer protection bureau, but it seems all they do is forward the complaint to Chase, so I'm not optimistic that will lead anywhere. It seems impossible to speak to someone who is actually competent and familiar with the case, and I'm at a loss as to what else I can do. How can I write a letter when they refuse to explain their basis for denying a claim that even the merchant admitted is valid? She refused to discuss it further, saying I needed to write them a letter. This had not been mentioned by Chase in either of the two resolution letters, or in either of the two previous phone calls, and she also could not explain what specific policy it was referring too or what deadline I had missed. All she would say is that a note in my dispute file said "too much time had passed". Then, when I called Chase, the agent on the telephone was extremely unhelpful. Then they denied it a second time by letter, again with no logical explanation "while you may have a valid complaint with the merchant, the results of our additional confirm that the transactions are valid and that no billing error ocurred." Their own website defines a charge error as "A one-time purchase you returned or canceled, and you still haven’t received a credit", which is literally what I provided black-and-white documentation of, including e-mails from the merchant. They first sent a letter denying the chargeback without any explanation - it turned out they hadn't received the documentation I sent, even though I sent it by secure message before their deadline. I have to add that Chase's (lack of) communication and customer service throughout the process has been really appalling. This moratorium was granted around the same time I filed the dispute, though I was not aware of it at the time the dispute was filed. Is the merchant still operating? When a chargeback is filed the refund (normally) comes from the merchant's account.The merchant is still operating but has been granted a temporary "moratorium" from its country's courts from paying debts in order to financially restructure. Chase themselves say that the first step is to work with the merchant.ĭoes anyone know their policy on timelines for disputes? I cancelled in late March, waited for the refund for a while (as per the merchant's request for patience), and then filed the dispute in June. The original charge was in January, for a tour that was supposed to happen in May. I called up Chase, and the phone customer service read a note from the case which said "too much time had passed", and could not provide any further information about Chase's dispute policies. However they have now closed it again, saying they "While you may have a valid complaint with the merchant, the results of our additional review confirm that the transactions are valid and no billing error occurred on your account." No further explanation was provided. Apparently Chase initially closed the dispute before they received the documentation I sent, and then re-opened it. This is a follow up to the post above, about a dispute where I cancelled a service within the allowable period according to terms and conditions and the merchant agrees that I'm owed a refund but refuses to pay it due to financial difficulty.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |