disputing stubhub charge with bank

Casey Bond and Emily ShermanApril 5, 2023. Good news: you can learn to stop chargebacks today. The best thing to do is to get your bank involved. 6-7 Claydons Lane Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. I have already filed the chargeback and I will not be deterred by your policy of threatening customers. If the bank does file a chargeback, theyll transmit the dispute information to the merchants bank. Examples of suspicious transactions may include: The cardholder is charged for goods or services outside of and apart from agreed upon times and methods. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Is The White Lotus breaking up with Four Seasons ahead of Season 3? Most people will just take the hit and not complain. What Happens When You Dispute a Transaction? However, cardholders typically have up to 120 days from the original transaction or expected delivery date in which to file a dispute. Make a copy of your letter and everything you plan to send with it before you mail it so you have a copy for your own records. I never intended to purchase these tickets. 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. 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. What happens next? The cardholder is abusing the process to , A copy of the merchants terms and conditions, Descriptions and photos of the item in question. Stop losing money to chargebacks. With that in mind, lets break down how to navigate the bank dispute process, and see exactly what happens at each stage of a chargeback. Neither the merchant nor the cardholder are invited to provide input at this stage. Because of their exorbitant fees on both the buyer and seller, in addition to having to sell the tickets at a loss, this accidental click cost me $600 which I am now protesting with my credit card company. Spectrum Cable Spectrum Came into my home, damaged my PC and leaves me screwed. Has your experience with this business or person been good? If you are a merchant, having a basic understanding of the bank dispute process might not be enough. This could be because of a misunderstanding between the merchant and cardholder, or because the cardholder simply didnt like the goods they received. She received her JD from Indiana University Maurer School of Law in 2006. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! so I filed a notice of dispute with my bank where I was charged $540 through my check debit card for NBA basketball tickets of the Dallas Mavericks versus the Houston Rockets. Stubhub refuses. These examples are all instances of friendly fraud. But the term may be foreign to you if youve never had to do it. 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. You also can file a complaint against your bank by visiting the Federal Reserve's website at. Merchants often choose to simply write-off the losses because fighting the chargeback would not allow them to recoup their losses. No single credit card is the best option for every family, every purchase or every budget. 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. You should only dispute charges in the appropriate circumstances outlined above. If you are unable to resolve the matter with the merchant, you could then escalate to disputing the charge. Aren't most of stubhub's ticket sales secondary sales? Often the easiest way to submit a chargeback request is through your banks website. Many larger banks will allow you to initiate or process most disputes entirely online. Look for perks like extra cash back and 0% APR. Either its at a merchant you dont recognize, or its for a purchase youve made, but in the wrong amount. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Charge backs exist precisely because of companies like StubHub that dont actually address customer concerns but instead put up obstacles, smoke screens, long delays anything to avoid fixing a problem for a customer. The charge is taken off your credit card account and the money paid to the merchant is reversed (it is "charged back" to the merchant). Best Parent Student Loans: Parent PLUS and Private. These deadlines are the same as those for billing errors. In that case, the bank dispute process would end here. All Rights Reserved. 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. Or maybe the charge doesnt reflect a return youve made. Comparative assessments and other editorial opinions are those of U.S. News Other banks require that you make an appointment to visit a branch. For instance, if the merchant believes that: These are just a few possible scenarios. After this, the only way your account with us can be reactivated is for you to authorize us to charge a card again. Did you even read my complaint? Research source. SnooStories628 3 yr. ago Thanks for the information! This article has been viewed 6,135 times. Dont worry: we get it. The merchant failed to implement proper antifraud procedures, allowing a criminal to complete an unauthorized purchase. I sold the tickets for one reason only - to mitigate the amount we would be arguing over. So I was browsing tickets recently and clicked on the tickets to see what they would cost with fees and taxes included. Let us show you how much you could save. The cardholder disliked the service provider or merchant. IF (a big IF) they actually did care, they could institute measures to prevent mistakes from happening. Typically this means nothing will happen regarding the error. Go to 'My tickets' then Orders in each one to see if you bought tickets. Amazon has One Click but you can reverse the charge in the first hour. Don't assume that your bank won't work with you. Just be extremely detailed. Your credit card APRs will increase when the Federal Reserve raises interest rates, but you can take steps to reduce the financial stress. Has anyone else received this email? All business will get complaints. In this way, disputes are a means of protecting consumers against fraud. OK, this is complete and utter nonsense. in your letter below) into not using their only remedy. New York NY. Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card. A chargeback is an action taken by a bank to reverse electronic payments. Others may be quite challenging even if you act quickly and take all the right steps. Corporate Advocacy Business Remediation and Customer Satisfaction Program. Rayleigh, Essex, SS6 7UP. Please note Chat is not available on mobile devices. 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. For more information, please see our Fortunately, many credit cards offer these additional protection for consumers. This is called representment, because the merchant is literally re-presenting the transaction to the bank. All rights reserved. The cardholder simply didnt like the goods or service in question. Copyright 1997-2023 Ripoff Report. Most banks will ask if you contacted the merchant directly prior to requesting a chargeback. The bank dispute process is an important consumer protection mechanism. As an example, for most purchases using Mastercard, chargebacks must be submitted within 120 days of the purchase. Essentially they make fees on two transactions (on both the BUYER AND SELLER FOR BOTH) because the purchaser has to re-list the tickets. Since I had never received my tickets from an order over a year ago, I can't resell tickets I never received, and I can't get in contact with StubHub, this should be easy for the card company to dispute on their end. The card network makes a final ruling. Please view our advertising policy page for more information. Keep in mind that the first person you speak with may not have the authority to do what you want. 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. 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. Most often, after collecting your reason for disputing the charge and supporting documentation, your bank will submit your chargeback to the merchant. Certified letter and estimate as proof as Rusty is great at lying just as he did from the start from my truck to his home. Loyal Nordstrom shoppers may appreciate the opportunity to earn rewards, but Nordstrom Credit Cards come with restricted redemption options. A representative at your bank's customer service line may be able to correct the error instantaneously. StubHub Community Support Selling Tickets Dispute Cancellation Fee Topic options niki_020 Waterboy Answered! These must be assembled and submitted according to the the requirements of the bank, and the time limits imposed by the card network. Feel free to help me if you have suggestions or if you just want to write them on my behalf. 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. Finally, chargebacks are intended to resolve legitimate billing errors. Still a little confused? % of people told us that this article helped them. 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 bank dispute process is not simple or linear. Aaron is an avid global traveler and miles and points enthusiast. 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. Anyways I am on the phone with my bank right now. Show customers why they should trust your business over your competitors At some point in the past, StubHub saved my credit card information. Instead I get smoke screens, delay tactics, threats like the below, and form letters talking about e.g. The Federal Trade Commission lays out your specific rights and the guidelines you must abide by in order to be protected. By using our site, you agree to our, {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/a\/ad\/Succeed-in-Network-Marketing-Step-5-Version-2.jpg\/v4-460px-Succeed-in-Network-Marketing-Step-5-Version-2.jpg","bigUrl":"\/images\/thumb\/a\/ad\/Succeed-in-Network-Marketing-Step-5-Version-2.jpg\/aid7235277-v4-728px-Succeed-in-Network-Marketing-Step-5-Version-2.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"