disputing stubhub charge with bank disputing stubhub charge with bank

Your account will remain deactivated during the dispute process. Usually chargebacks are used to reverse a payment in the case of a billing error, unauthorized credit card use or failure to deliver a product or service. 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. The Fair Credit Billing Act (FCBA) of 1975 gives consumers protection against creditors in certain situations regarding unauthorized charges and certain billing errors. For credit cards, you are not liable for any unauthorized charges if the theft involved your card number and information and not the physical card itself. For TPG readers, this could also apply to certain extreme situations in trying to get refunds from airlines or other common carriers. You might want to circle to highlight the error so it is visible. This is also known as a chargeback. Instead I get smoke screens, delay tactics, threats like the below, and form letters talking about e.g. Once the merchants representment package has been approved by the acquiring bank, they will forward it to the issuing bank for a final judgment. Who's crazy enough to start this website? At this step, the acquirer receives and reviews the information compiled by the merchant. The card network makes a final ruling. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Nobody at StubHub has even discussed this topic with me. 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. Cookie Notice Its important for cardholders to understand their role in the bank dispute process. Most banks have a toll-free fraud line that is available 24 hours a day, seven days a week. Many times, this is the fastest way to get something resolved. At this stage, the bank do one of three things: The bank may go with the first option if its a low-dollar value transaction (less than $25). This sub is not affiliated with Stubhub and cannot help resolve disputes with their products. Once you've completed your letter, sign it using blue or black ink. For example, if you ordered a product from a website and the website was later taken down, you may have no way to contact the company from which you bought the product. Is The White Lotus breaking up with Four Seasons ahead of Season 3? and have not been previously reviewed, approved or endorsed by any other To dispute a charge and submit a chargeback, you must identify the transaction in question and work with your credit card issuer to initiate the process. If submitting your chargeback request online is not an option, you can call your bank via the phone number on the back of your credit card or customer service phone number. It may not be copied without the written permission of Ripoff Report. And most of the top credit card companies will work with you to resolve the issue. This means youll need to send in a formal dispute letter by mail (yes, snail mail) within 60 days of the disputable charge. Contain mathematical or accounting errors, Do not list post-purchase credits or returns, Do not reflect an established change of address, Failure to abide by codes and regulations, Transcripts of conversations held with the merchant. Most issuers offer an easy way to do this online, including Amex, Chase, Citi and Bank of America. Stubhub "legal" wants me to drop chargeback, Scan this QR code to download the app now. For security measure, require any purchase over $500 to respond to a text message confirming the purchase. In fact, COVID-19 has led to an increase in chargebacks as . This avenue will likely get you either a refund or a replacement product faster than filing a chargeback would. I have already filed the chargeback and I will not be deterred by your policy of threatening customers. 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. Managing chargeback risk can be a full-time job all by itself. If you can not find this easily, search the banks online help pages for Dispute a charge or Chargeback. While many chargebacks can be initiated online, your bank may require a phone call for large chargebacks or for chargebacks requiring additional documentation. Don't forget to include copies of any statements or receipts that provide evidence of the error. READ: Foreign websites steal our content, Click Here to read other Ripoff Reports on Stubhub. If a cardholder files a bank dispute, the bank should investigate the claim. Items the buyer never ordered, but which were added to their invoice later. So youve disputed a purchase. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. What Happens When You Dispute a Transaction? This compensation comes from two main sources. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Cardholders should continue to exercise their right to file legitimate bank disputes whenever applicable. If you have any questions or concerns, chat with us live now. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. There are form letters available online that you can copy and adapt to your own situation. Some cardholders may even request chargebacks while knowing that they dont have a reason to do so. 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. Knowing how and when to use chargebacks is one of the ways in which you can become a more savvy consumer and user of credit cards and financial products. "This person is more invested in your satisfaction and knows how best to navigate the internal channels toward a resolution," Mardock says. But it is worth noting that the only way youll technically be covered in the eyes of the Fair Credit Billing Act is by sending in a written request. The bank dispute process is not simple or linear. When I asked more questions, they said that if I dropped the chargeback, they . This is the only way to ensure that the process operates as it should. Hiding negative complaints is only a Band-Aid. If you're a cosmetics connoisseur and are looking for a way to build credit while upping your beauty product game, the Sephora credit card may be for you, but redemption options are limited. If a product didnt arrive, contacting the person or company you bought it from is often the best first step. If the merchant does decide to fight the bank dispute, they are expected to provide documentation for the banks review. SCAM - promised PR press and bookings nothing came of it!!! I cancelled on stubhub they are charging me full price of it. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. 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. The content I have never sold tickets in my life and I am not a professional scalper. A credit card can be preferable to cash for covering wedding costs. The circumstances in which cardholders can dispute a charge generally fall into one of three categories: This occurs when a cardholder does not recognize a transaction, or did not approve the transaction in question. The customer's only remedy with StubHub is a chargeback, and you are trying to bully people (e.g. Others may be quite challenging even if you act quickly and take all the right steps. Sub-Category: Other 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. The merchant failed to implement proper antifraud procedures, allowing a criminal to complete an unauthorized purchase. If you are unable to get a refund from an airline when your flight is canceled or even trying to refund tickets from an airline thats gone bankrupt, disputing the charge is likely the best option to resolve the issue. Fortunately, many credit cards offer these additional protection for consumers. When listing tickets, you are in complete control of the price, but Im sorry they did not sell at the price you wanted. 2x points on all other eligible purchases. Fraudulent use of chargebacks also could have legal implications. Some bank disputes can prove easy to settle. Terms and Conditions Apply. Check with your credit card issuer. 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. Solutions for your business are just a click away. Related reading: Credit card fraud vs. identity theft how to know the difference. Several credit cards offer loss, damage, theft or return protection as part of its benefits and many credit cards offer extended warranty protection. One option is to let them charge the credit card, then collect the actual seller fee from the tickets - and THEN dispute the credit card fee after you've collected. This would only be warranted when both the cardholder and the merchant feel strongly about a dispute, and each has submitted evidence to support their claim. Please share a few details and we'll connect with you! Make sure you have documentation to back up any statements you make on your claim form. These laws govern both credit and debit card transactions. I want reimbursement for tickets and hotel. You should have the option to opt for a refund on the StubHub wallet page in your account on the desktop site. Commissions do not affect our editors' opinions or evaluations. The next best place to start may be your bank's website or mobile app. Consulting with a chargeback expert can make a huge difference in your win-rates and help keep your chargeback ratios low. In most cases, this is the end of the chargeback process. Rockville MD, Tervana Car collection Bought a caror so I thought. We'd love to hear from you, please enter your comments. How are you different from Amazon? Actively reaching out with your bank may be your best bet. Make your request in writing so you have proof of the exchange. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. Receive 1 Free Night Award every year after your Card renewal month. 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). A merchant can be justified in rejecting a bank dispute if they believe its a case of friendly fraud. % of people told us that this article helped them. Think of it this way: If youre not willing to file a police report on the person who made the purchase without your permission, you shouldnt try to dispute the purchase. 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. When I asked the timeline, they said I could have a refund in 3-5 days. Consumers want to see how a business took care of business. For example, the Federal Trade Commission has a letter to dispute billing errors available at. If it appears invalid, the claim will be denied. She received her JD from Indiana University Maurer School of Law in 2006. Tell us has your experience with this business or person been good? Over 18,000 companies recovered revenue with products from Chargebacks911, A Step-by-Step Guide to the Bank Dispute Process, Step 04 | Chargeback Transmitted to Acquirer, Step 05 | Chargeback Forwarded to Merchant. Your credit card APRs will increase when the Federal Reserve raises interest rates, but you can take steps to reduce the financial stress. 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. After receipt, the bank has two billing cycles or a maximum of 90 days to investigate the situation. Long story short I lost. First of all Stubhub makes A LOT of money when people make this mistake so they are highly motivated to have people keep making this mistake. Thankfully, its not a job you have to do alone. All business will get complaints. I dont know what it will take to get your attention on this issue, but I am on a mission to help shed light on this issue in as public a way as possible. It took just a few minutes of explaining the situation for my card company to refund me and initiate their disputed claims process. Some bank disputes can prove easy to settle. 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. StubHub They stole money from me - LITERALLY ! Depending on the nature of your chargeback request, the credit card company may request that you also submit supporting documentation via mail or through a form on its website. For others, the process can be initiated with a few taps from the banks mobile app. That was a total if $256.35 refunded back to your PayPal account on 12.12.2015. Well also provide a step-by-step guide to help you navigate the system successfully. If you cant find where to submit a dispute online, you can also call customer service and dispute a charge that way. You might be able to push it back to whenever you asked for a refund. 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. Often, the easiest way to resolve a billing dispute is directly with the merchant in question. Actively reaching out with your bank may be your best bet. Anyways I am on the phone with my bank right now. You also can file a complaint against your bank by visiting the Federal Reserve's website at. strict standards for business conduct. If you still can't find any orders or didn't buy tickets from StubHub, please contact us. Merchants often choose to simply write-off the losses because fighting the chargeback would not allow them to recoup their losses. If the bank does file a chargeback, theyll transmit the dispute information to the merchants bank. This FREE paperback book is your guide for preventing chargebacks and, when they happen, fighting them more effectively. Something went wrong. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. I am beyond upset that I lost $600 to these crooks. If you do choose to open a dispute with your credit card company, once we receive the chargeback we will deactivate your account immediately. Has anyone else received this email? is a senior content operations editor for TPG focused on helping our broader editorial team bring news, features and advice to our readers. Regardless of how you initiate your chargeback request, your bank will walk you through providing the information they require. The best thing to do is to get your bank involved. Keep receipts, photos and any communication youve made with the merchant to try and resolve the issue. Did you drop the chargeback? This article was written by Jennifer Mueller, JD. Many larger banks will allow you to initiate or process most disputes entirely online. CALL YOUR CARD COMPANY TO DISPUTE THE TRANSACTION 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. Plus, your own feed of TPG content. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. It's not worth the effort trying to resell your tickets. Provided you can, contact the company where you bought the defective product and ask for a refund. 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. A bank dispute is the process through which a cardholder rejects fraudulent or inaccurate charges on their credit card statement with their issuing bank. The cardholder disliked the service provider or merchant. Your bank will provide the transaction information, your stated reason for requesting the chargeback and any supporting information that documents your claim. REBUTTAL BOX Copyright 1997-2023, Ripoff Report. For an explanation of our Advertising Policy, visit. Freeze your credit card, ignore Stubhub, and file a complaint with your attorney general. Certain hotels have resort fees. 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. Include your email address to get a message when this question is answered. Some banks and credit card companies may offer chargeback protections for other transactions, such as online sales, beyond those covered by federal law. 2023 Forbes Media LLC. Some of these include: If any of the above criteria are met, the cardholder may submit their claim to their bank for further review. In addition you will not be able to open an additional account on our site as our Trust and Safety team monitors accounts deactivated by Chargebacks. The only resource you need to become an expert on chargebacks, customer disputes, and friendly fraud. The Federal Trade Commission lays out your specific rights and the guidelines you must abide by in order to be protected. The evidence will vary depending on the customers claim. If you are unable to resolve the matter with the merchant, you could then escalate to disputing the charge. I launched a chargeback through Citibank. Merchants: sick of chargebacks sapping your profitability? Often the easiest way to submit a chargeback request is through your banks website. Multiple, identical items purchased in quick succession. The game was supposed to take place on March 23 and it never happened. Your first course of action should always be to reach out to the merchant in cases of billing error or order issues. As an example, for most purchases using Mastercard, chargebacks must be submitted within 120 days of the purchase. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Reimburse the cardholder themselves and write-off the losses. Call them and tell them this "Coachella 2020 was permanently cancelled. Stubhub refuses. 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. Research source. I know you will argue otherwise, but there is nothing about your use case that prevents you from adopting Amazons policy. Wait for a StubHub representative to reach you. StubHub is impossible to get thru to (3 hour waits), so eventually AmEx caves and they'll credit you. Consumers love to do business with someone that can admit mistakes and state how they made improvements. A chargeback is an action taken by a bank to reverse electronic payments. Ask the Community When you know how credit cards work, you'll use them responsibly and stay out of debt. They don't even pay the seller for 5 days!!! This is a growing problem that negatively affects everyone involved: it raises prices, causes market insecurity, and can even cause supply chain issues. Taking careful consideration of all the valid reasons weve listed for a bank dispute, and pairing them with the appropriate responses, can help defend against fraud and protect the payments ecosystem. For more information, please see our 6-7 Claydons Lane If so, they forward the information along to the issuer via the card network (Visa, Mastercard, etc.). We use cookies to make wikiHow great. You may have to include receipts, photos, or other evidence to back up your claim. 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. Shame on you StubHub. All they have to do is withhold the "Congratulations you sold your tickets" email that goes to the seller for one hour and joila, it's fixed.4.