It is simply not fair to take $600 of hard earned dollars from me and refuse to even acknowledge or discuss that your web site has this issue. At this step, the acquirer receives and reviews the information compiled by the merchant. Charges with an incorrect date or amount charged, Charges for undelivered goods and services, Failure to post payments or credits for returns, Failure to send bills to your current address, Charges for which you request clarification or written proof of purchase, 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program, 4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping, 2 points per dollar on all other eligible purchases, Earn a free-night award each card renewal month (up to 35,000 points), Receive 15 elite night credits to jump-start status, Must spend $60,000 in a year for second free-night award. For minor errors, you might consider simply calling the bank rather than filing a formal letter of dispute. Merchants will have a harder time, given the fees and other additional headaches they will need to negotiate in order to file a winning representment. Jennifer Mueller is an in-house legal expert at wikiHow. How those businesses take care of those complaints is what separates good businesses from the rest. Some banks also offer automated phone services, voice messaging or a callback system so you don't have to stay on hold while you wait to speak with someone. Multiple, identical items purchased in quick succession. What???? If you paid for your tickets with a credit card, however, you do have the option to file a dispute if you're not satisfied with the purchase. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Something went wrong. 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. If it is decided that the dispute is closed in your favor and your bank or credit card company refunds you back the funds (closed in your favor) your account will remain deactivated. Many may wonder what options they have for getting those errors fixed if the merchant is unwilling or unable to make the necessary changes. In that case, the bank dispute process would end here. StubHub Stubhub sells tickets without permission San Francisco California, STUBHUB StubHub refuses to refund concerts during Covid 19 even when event is cancelled or postponed a year later San Francisco CA, Stubhub Viagogo Policy changes after agreement was already in place. Clearwater, FL 33764, 877.634.9808 Celebrity Skin Cream wrinkle cream rip-off advertisements US Based and Foreign companies bilked consumers out of Hundreds of Millions of dollars over the past 7 years. Keep your answers brief, and stick to the facts. Instead I had to follow this link and log into my Chase account that way in order to start the process of disputing a charge. They also took about 45 days to let me know they wanted more info, and I had to submit a packet of backup and it's still not 100% but they did reverse the charge after that and now stub hub has 60 days to respond. The charge will come from 'StubHub, Inc.' Do you have more than one StubHub account? Why Ripoff Report will not release author information! Several credit cards offer loss, damage, theft or return protection as part of its benefits and many credit cards offer extended warranty protection. If the merchant does decide to fight the bank dispute, they are expected to provide documentation for the banks review. If a dispute goes to arbitration, then it's out of the bank's hands. Provide the information they might require. Shame on you StubHub. The Fair Credit Billing Act (FCBA) of 1975 gives consumers protection against creditors in certain situations regarding unauthorized charges and certain billing errors. Many people dispute credit card charges for services not rendered. Make your request in writing so you have proof of the exchange. Any evidence of activity that the cardholder themself did not make or approve a transaction could motivate a bank dispute. The evidence will vary depending on the customers claim. Making the right choice can get you out of debt and back on track. It cannot be The very least it wasn't that when you listed the items so you should still be held accountable to the 40% not the 100% if there's anyway to get your bank or credit card involved for the full charge definitely do StubHub truly could be the worst but they also have such great deals last minute Theweirdlad 3 yr. ago Stubhub charged my card AND cancelled tickets 48 hours to event without notifying me. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. For security measure, require any purchase over $500 to respond to a text message confirming the purchase. Generally, you should begin collecting documentation of the dispute as soon as you have an idea that something is wrong. % of people told us that this article helped them. Whether your dispute involves an unauthorized charge, incorrectly applied fee, fraudulent activity or some other type of problem, you'll need to take action to get it resolved. With a chargeback, your credit card issuer (Chase,. [2] How To Find The Cheapest Travel Insurance, many credit cards offer these additional protection for consumers. Only 2% of bank disputes ever progress to the arbitration stage, which is an entirely different process that involves the card network acting as an independent third-party. If you're experiencing financial anxiety, there are a few steps you can take to ease your fears. Don't forget to include copies of any statements or receipts that provide evidence of the error. StubHub They stole money from me - LITERALLY ! If the chargeback is either accepted or not disputed, your bank will notify you that your billing dispute is closed and will provide an account credit to offset the disputed charge. She received her JD from Indiana University Maurer School of Law in 2006. 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. Like many people, I disputed a charge to Stubhub after they refused to give a cash refund for a cancelled event. Rockville MD, Tervana Car collection Bought a caror so I thought. On American Express' website, when you view your transactions there's a little button with each transaction that lets you start the process of disputing a charge. In this guide, Ill focus on how to dispute a charge that deals with a merchant billing error or other associated issues. Actively reaching out with your bank may be your best bet. Have a confirmation screen that warns you that there are ABSOLUTELY NO REFUNDS even for accidental clicks. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. I spent the entire concert trying to reach someone in customer service (never happened) while the confused venue ushers seated us in one of the last seats on the floor farthest from the center (the last 3 seats in the row to be exact). 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. However, if the merchant responds that the charge is valid and provides documentation supporting their claim, your bank will evaluate the information that the merchant provided and determine whether to issue you a credit for the disputed charge. 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. The cardholder disliked the service provider or merchant. However, cardholders typically have up to 120 days from the original transaction or expected delivery date in which to file a dispute. The posting time indicated is Arizona local time. Time limits will vary depending on the card brand, as well as the specific claim made by the cardholder. Feel free to help me if you have suggestions or if you just want to write them on my behalf. Either its at a merchant you dont recognize, or its for a purchase youve made, but in the wrong amount. There were shipping delays outside of the merchants control. If the merchant believes the chargeback was invalid for some reason, though, it proceeds to the next step. 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 You might be able to push it back to whenever you asked for a refund. Do not believe anything Stubhub says about anything. Dont click on those slick Ads! Stubhub refuses. The cardholder simply didnt like the goods or service in question. Keep in mind that if you don't notify your bank of the error within 60 days, it has no obligation under the law to respond. The card network makes a final ruling. My life mission is to get my $600 back. Regardless of how you initiate your chargeback request, your bank will walk you through providing the information they require. Commissions do not affect our editors' opinions or evaluations. Under the FCBA, you are entitled to be able to take action against a card issuer in circumstances for these types of charges: This means that you cant dispute a charge just because you are dissatisfied with a product or service or didnt agree with an authorized user making a certain purchase. What Happens if You File a False Chargeback Claim? In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. Billing errors can account for charges that: These are any goods or services that did not arrive as expected, or which didnt live up to the promises made at the time of purchase. Plus, your own feed of TPG content. And don't send the instantly downloadable tickets until the purchase is confirmed. The game was supposed to take place on March 23 and it never happened. Note that if you tell them you are going to protest a charge on your credit card, they send a littany of threats instead of trying to work the issue out with you. Patients made into prostitutes and sex slaves, bilking insurance companies out of millions, Sac_County Iowa Prosecutor Ben Smith pays $750,000 to settle Ripoff Report 1983 civil rights lawsuit.. Federal Judge stops prosecutors abuse of power against ED Magedson Founder of Ripoff Report. This can happen in a few different ways, depending on the banks policies. Get an idea of what you can be approved for to confidently apply for credit cards. I see a previous representative tried to leave a voice mail with you letting you know that because you didnt make all your money back on your resell, we refunded you your buy fees as a one time courtesy. Cookie Notice Shame on you StubHub. 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. When you speak with a representative, explain your situation simply, avoid expressing strong emotions and share what you hope to achieve. Often this term is used by savvy credit card issuers to refer to the entire process of disputing a credit card charge, receiving an account credit and having the disputed amount taken back from the merchant. This process occurs strictly between the two banks. If a cardholder files a bank dispute, the bank should investigate the claim. How are you different from Amazon? Make stubhub issue them refunds. If you follow these steps, choosing the right credit card will be easy. Who is ED Magedson - Founder, Ripoff Report. This entity is known as the acquirer). 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. Transactions for which the shipping information doesnt match the cardholders address. Most banks provide online contact options, such as email or chat. She received her JD from Indiana University Maurer School of Law in 2006. And it would be nice to have a conversation with somebody that actually will discuss what my real concern is instead of spoon feeding me your standard talking points. https://www.ripoffreport.com/reports/stubhub/internet/stubhub-why-doesnt-stubhub-allow-charges-to-be-reversed-in-the-first-30-60-minutes-inte-1275595, StubHub StubHub.com, Stubhub Sold tickets and they still havent paid me San Francisco California, Stubhub Stubhub.com gets paid twice for tickets if you make any mistakes! How much of your loss you'll be responsible for depends on whether the fraud involved an ACH transfer, check, credit card, debit card or ATM card; how quickly you reported the fraud; whether your account is in good standing; and whether you were negligent, among other factors. I launched a chargeback through Citibank. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Usually, there will be a straightforward and user-friendly way to dispute a charge over the phone, on the web, or through their online banking app. Did you even read my complaint? If the bank does file a chargeback, theyll transmit the dispute information to the merchants bank. If your dispute is complex and likely to require multiple contacts or steps to resolve, take notes about each contact, including when it occurred, what was determined and what follow-up actions are needed. In the last decade, with the rise in online shopping merchants have seen a corresponding increase in chargeback abuse. However, you must follow the required procedures and dispute the transaction before the deadline passes if you want to take advantage of these consumer protections and get your money back. For others, the process can be initiated with a few taps from the banks mobile app. Please view our advertising policy page for more information. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. Step two: Fill a charge dispute with your issuer Most issuers offer an easy way to do this online, including Amex, Chase, Citi and Bank of America. And most companies will work with you to try and fix the problem without getting the credit card issuer or payment network involved. Some banks also offer an online customer service chat that can assist you. SCAM - promised PR press and bookings nothing came of it!!! Secondary coverage is common, but primary coverage can offer more protection. I also sent the dispute letter to their legal department. still nothing. After you have submitted your chargeback request, your bank will provide written confirmation of your request. 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. Who's crazy enough to start this website? Best Parent Student Loans: Parent PLUS and Private. Information provided on Forbes Advisor is for educational purposes only. If StubHub decides you can be refunded, you'll probably get an email at some point on how to collect your refund. For example, the Federal Trade Commission has a letter to dispute billing errors available at. Your bank may make you wait before funds from a deposit are available. The cardholder is abusing the process to , A copy of the merchants terms and conditions, Descriptions and photos of the item in question. So youve disputed a purchase. Well run the numbers; Youll see the savings. If you are a merchant, having a basic understanding of the bank dispute process might not be enough. Many larger banks will allow you to initiate or process most disputes entirely online. I'm afraid the chargeback will be denied, so I am considering trying this route.but I don't trust Stubhub at all. You should act quickly because your liability usually will be limited if you report any fraud you discover in a timely manner. Re: Disputing A Charge = Locked StubHub Account? You also will have the opportunity to ask the bank representative what specific information should be included in your letter. Aaron is an avid global traveler and miles and points enthusiast. Rayleigh, Essex, SS6 7UP. Stop losing money to chargebacks. I know you will argue otherwise, but there is nothing about your use case that prevents you from adopting Amazons policy. Please share a few details and we'll connect with you! 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. Need a quick answer about your order? Are you sure you want to rest your choices? It took just a few minutes of explaining the situation for my card company to refund me and initiate their disputed claims process. Resolving a bank dispute can be worth the effort, especially if a large sum is at stake, your credit score is at risk or you just want the satisfaction of a resolution, even if the sum is small or the outcome won't affect your credit. Fortunately, many credit cards offer these additional protection for consumers. Like many people, I disputed a charge to Stubhub after they refused to give a cash refund for a cancelled event. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. 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. They love to tell people they aren't covered by certain laws and regulations when that is not true. The more documentation you have, the more likely your bank will be to side with you. In many cases, your issuer will ask for evidence of the billing error and that you've made a good-faith effort to reach out to the merchant before they will step in. Once the merchants representment package has been approved by the acquiring bank, they will forward it to the issuing bank for a final judgment. Otherwise, they may kick the package back to the merchant. Most banks will ask if you contacted the merchant directly prior to requesting a chargeback. Keep in mind that the first person you speak with may not have the authority to do what you want. Has your experience with this business or person been good? These laws govern both credit and debit card transactions. All Rights Reserved. This is a growing problem that negatively affects everyone involved: it raises prices, causes market insecurity, and can even cause supply chain issues. Has anyone else received this email? Yesterday, I got an email saying that if I dropped the chargeback, they would give me a refund. Your minimum credit card payment is a small percentage of your balance, but it could be big trouble. The merchant failed to provide the goods or services promised. Performance information may have changed since the time of publication. That's not the case with Chase. If you suspect theres been an unauthorized charge made to your account, you should call the customer service line on the back of your card to talk through next steps with the issuer, including replacing your cards and resetting your online account information. Past performance is not indicative of future results. Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card. Merchants often choose to simply write-off the losses because fighting the chargeback would not allow them to recoup their losses. Chargebacks can wreak havoc on your cash flow and profitability. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. strict standards for business conduct. For most cardholders, the easiest way to dispute a charge is to contact their issuing bank through their preferred customer service channel.