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. What Happens if You File a False Chargeback Claim? 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. Secondary coverage is common, but primary coverage can offer more protection. It's not worth the effort trying to resell your tickets. In this step, the issuer can either accept the re-presented transaction, or reject it by filing a second chargeback (called an arbitration chargeback or a "pre-arb," depending on the card network). She received her JD from Indiana University Maurer School of Law in 2006. Your financial situation is unique and the products and services we review may not be right for your circumstances. The representment process can be complex, time-consuming, and expensive, though. I sold the tickets for one reason only - to mitigate the amount we would be arguing over. Overall, there is little evidence that detox diets help eliminate any of these compounds. That's $689 down the drain since I doubt the nba season will resume and what's the point of a 120 % credit when all live events are basically cancelled for the foreseeable future. Follow the prompts to dispute a transaction or talk to a customer service agent, and explain that you want to initiate a chargeback due to a defective product. The best thing to do is to get your bank involved. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Generally, chargebacks occur between a . Visit a . Chargebacks can wreak havoc on your cash flow and profitability. Jennifer Mueller is an in-house legal expert at wikiHow. Certain hotels have resort fees. Chargeback prevention and management are both very real concerns in todays digital shopping landscape. My issue Kaila is that I never intended to BUY the tickets in the first place! Don't offer One-Click for purchases over $500. Examples of suspicious transactions may include: The cardholder is charged for goods or services outside of and apart from agreed upon times and methods. Your account will stay inactive until you: Drop the dispute Pay StubHub the amount you owe Was this answer helpful? 2. On that screen I must have accidentally clicked on the one-click payment and next thing you know I have an email saying I have purchased $1300 in tickets. When shes not working, youll find her planning trips to visit unique filming locations, historic libraries and thrilling theme parks. Many larger banks will allow you to initiate or process most disputes entirely online. Last Updated: March 29, 2019 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. 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. Consider sending your letter using certified mail with returned receipt requested, so you know when the bank has received your letter and can calculate the response time. The game was supposed to take place on March 23 and it never happened. I don't remember agreeing to it, but it is possible I may have agreed to it. in your letter below) into not using their only remedy. Any advice? You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Plus, your own feed of TPG content. Most banks will ask if you contacted the merchant directly prior to requesting a chargeback. Regardless of how you initiate your chargeback request, your bank will walk you through providing the information they require. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. It involves reversing a payment and triggering a dispute resolution process. Items the buyer never ordered, but which were added to their invoice later. Is The White Lotus breaking up with Four Seasons ahead of Season 3? Heres what you need to know. Fraud Detection: Here's How Merchants Can Stop Fraud in 2023, How to Dispute a Charge: 5 Essential Tips for Consumers, 18167 US Highway 19 N i.e., customer buys ticket through stubhub for $100, Stubhub pays $85 to the ticket seller and keeps $15 for itself. The exact number of days you have to dispute a charge varies based on a number of factors, including what the charge is for, the card association and bank policies. 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. But for those who have also sold tickets through Stubhub, they will just take the money out of your other ticket sales if you cancel the credit card or dispute it. This FREE paperback book is your guide for preventing chargebacks and, when they happen, fighting them more effectively. After this, the only way your account with us can be reactivated is for you to authorize us to charge a card again. 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. Some banks have additional protections. 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. 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. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. They either failed to perform due diligence and let a fraudster impersonate you to conduct a purchase, or if you did authorize a sale, the merchant didn't provide what was promised. Cookie Notice In this way, disputes are a means of protecting consumers against fraud. Shame on you StubHub. I can see it being a problem that stubhub has to refund $100 -- as it is then out $85 unless it can recover from the ticket seller. You might be able to push it back to whenever you asked for a refund. If StubHub decides you can be refunded, you'll probably get an email at some point on how to collect your refund. Long story short I lost. "If you feel like you're hitting a wall," Rau says, "don't be afraid to ask for a manager, and if you're still not making progress, don't be afraid to tell them they're losing you as a customer.". If you cancel your debit card within two business days, you will only be liable for up to $50 in fraudulent charges. Keep in mind that while the Fair Credit Billing Act does offer consumers protections, those protections are dependent upon you following its guidelines. Finally, chargebacks are intended to resolve legitimate billing errors. (Getty Images). Make stubhub issue them refunds. You should only dispute charges in the appropriate circumstances outlined above. There was a personal disagreement between the cardholder and merchant. And most companies will work with you to try and fix the problem without getting the credit card issuer or payment network involved. 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. In this article, well examine the bank dispute process, including what it is and how it works. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Despite the many hoops they must jump through, however, the process is surprisingly straightforward for cardholders. 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. All Rights Reserved. Freeze your credit card, ignore Stubhub, and file a complaint with your attorney general. Find out what's required before you go, and remember to bring your paperwork or electronic documents. This way, a charge is removed from the consumers account and the issuer is able to charge back the cost to the merchant when deemed appropriate. 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. You might be using an unsupported or outdated browser. I contacted StubHub multiple times and they would not refund my money. The APR is one of the most important things to know about your credit card. I also sent the dispute letter to their legal department. We use cookies to make wikiHow great. Terms apply to the offers listed on this page. 3 Types of Payment Reversals: Whats the Difference? Corporate Advocacy Business Remediation and Customer Satisfaction Program. Aren't most of stubhub's ticket sales secondary sales? Many issuers will issue you whats called a chargeback. Look for perks like extra cash back and 0% APR. I know you will argue otherwise, but there is nothing about your use case that prevents you from adopting Amazons policy. Some banks and credit card companies may offer chargeback protections for other transactions, such as online sales, beyond those covered by federal law. StubHub Community Support Selling Tickets Dispute Cancellation Fee Topic options niki_020 Waterboy Answered! Once the merchants representment package has been approved by the acquiring bank, they will forward it to the issuing bank for a final judgment. 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. still nothing. That's not the case with Chase. They love to tell people they aren't covered by certain laws and regulations when that is not true. 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. You will not be able to add any new ones nor will you be able to modify any existing. I also sent the dispute letter to their legal department. Fortunately, many credit cards offer these additional protection for consumers. Now, this step isnt required to dispute a charge with your credit card company if the issuer has other avenues to request a dispute. Sub-Category: Other IF (a big IF) they actually did care, they could institute measures to prevent mistakes from happening. These deadlines are the same as those for billing errors. % of people told us that this article helped them. When they use the word "marketplace", what it really means is thatyou just got scammed. The acquirer will also assess an additional chargeback fee, which covers their administration costs related to the bank dispute. Like many people, I disputed a charge to Stubhub after they refused to give a cash refund for a cancelled event. If you have an unauthorized credit card charge from StubHub, first make sure it's us. But lets say that you order a product through an online seller, and that product arrives at your house shattered. Keep receipts, photos and any communication youve made with the merchant to try and resolve the issue. Fraudulent use of chargebacks also could have legal implications. You should act quickly because your liability usually will be limited if you report any fraud you discover in a timely manner. Any active listings you have on our site will be deleted. 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. These examples are all instances of friendly fraud. 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. In fact, COVID-19 has led to an increase in chargebacks as . Stop losing money to chargebacks. Sometimes your credit card issuer will simply issue you an account credit for the amount you dispute. When I asked more questions, they said that if I dropped the chargeback, they . in your letter below) into not using their only remedy. Are you sure you want to rest your choices? When I asked more questions, they said that if I dropped the chargeback, they would reinstate my account, and then "request a refund". X I tried calling you to discuss but didn't get ahold of you. 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. In most cases, this is the end of the chargeback process. Generally, chargebacks occur between a merchant and a credit card issuing bank or a consumer. Ticket was for a "postponed" nba game. StubHub is trash. Las Vegas Nevada. In addition to regulatory protections, your bank, credit card issuer or card association may provide you with additional rights. She received her JD from Indiana University Maurer School of Law in 2006. StubHub I spent almost $1,000 on StubHub to surprise my daughters with 12th row, we arrived, someone else was in our seats with physical tickets with our seat numbers! Please share a few details and we'll connect with you! I've spent days/weeks battling StubHub and THE ONLY WAY to get any sort of reimbursement, is to dispute the charge. Loyal Nordstrom shoppers may appreciate the opportunity to earn rewards, but Nordstrom Credit Cards come with restricted redemption options. info@chargebacks911.com, Vantage House Stubhub refuses. 3. Company website run by crooks outside USA pretending to be in USA to get USA money taking your hard-earned dollars funneling it to the country of Peru, Shohrab Chowdhury Shorab, Mohammed Shohrab, Shohrab Bengali Heed this warning about Shohrab Chowdhury. 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. StubHub They stole money from me - LITERALLY ! Transactions for which the shipping information doesnt match the cardholders address. I never intended to purchase these tickets. Managing chargeback risk can be a full-time job all by itself. 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. 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. The merchant failed to provide the goods or services promised. Ask the Community Please do not do business with them. It involves reversing a payment and triggering a dispute resolution process. 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. To avoid penalties, pay your credit card bill when it's due, but earlier payments can offer benefits. One of the most common reasons a cardholder may request a chargeback is the identification of fraudulent or unauthorized transactions on their account. Stubhub "legal" wants me to drop chargeback, Scan this QR code to download the app now. 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. Please try again later. Best Parent Student Loans: Parent PLUS and Private. The cardholder simply didnt like the goods or service in question. "A calm, warm tone may encourage that front-line employee to advocate on your behalf or connect you with the powers that be.". [1] I can only assume, since you never address this in your responses, that you have this policy because accidental purchases enhance your profitability at the expense of your customers. $4000 later! I know this can be annoying but will save you a headache in the long run and prevent them from performing further fraud. In that case, the bank dispute process would end here. The Forbes Advisor editorial team is independent and objective. https://www.ripoffreport.com/reports/stubhub/internet/stubhub-why-doesnt-stubhub-allow-charges-to-be-reversed-in-the-first-30-60-minutes-inte-1275595. When listing tickets, you are in complete control of the price, but Im sorry they did not sell at the price you wanted. Hiding negative complaints is only a Band-Aid. Or maybe the charge doesnt reflect a return youve made. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. If they have already charged your card, dispute it with your credit card company. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Anyways I am on the phone with my bank right now. Just be extremely detailed. Many times, this is the fastest way to get something resolved. 6-7 Claydons Lane 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. CALL YOUR CARD COMPANY TO DISPUTE THE TRANSACTION, Scan this QR code to download the app now. Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card. And fundamentally this happened because it is way too easy to accidentally buy tickets on your site. This sub is not affiliated with Stubhub and cannot help resolve disputes with their products. Rayleigh, Essex, SS6 7UP. Research source. Offer ends 5/3/23. If I had refused to sell these tickets and let them go unused, we would be arguing over $1400 instead of $600. Who's crazy enough to start this website? Considering the cost involved in filing a chargeback, it may be more cost-effective to them to simply eat the losses. Gather all the information you have on the purchase. Their product sucks. Weve all been there you open up your credit card app or check out your account online to pay a bill or look over recent purchases, and you notice a charge that doesnt add up. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. 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. Thanks to all authors for creating a page that has been read 6,135 times. $470. Hold times for phone calls can be long especially when customer service personnel have been reduced by pandemic-related cutbacks but if you have enough time and patience, you should be able to connect with a live person. For TPG readers, this could also apply to certain extreme situations in trying to get refunds from airlines or other common carriers. All rights reserved. Most issuers offer an easy way to do this online, including Amex, Chase, Citi and Bank of America. When you speak with a representative, explain your situation simply, avoid expressing strong emotions and share what you hope to achieve. Explain your case the best you can. Jennifer Mueller is an in-house legal expert at wikiHow. If you prefer to bank in-person, some branches still have open lobbies, despite the current public health crisis. This site does not include all credit card companies or all available credit card offers. The next best place to start may be your bank's website or mobile app. A credit card can be preferable to cash for covering wedding costs. Any disputes that are closed and reopened again will result in your account becoming permanently deactivated. @TomBlundell If the show was cancelled, then you're entitled to a refund. However, cardholders sometimes request chargebacks without a valid reason to do so. The cardholder is abusing the process to , A copy of the merchants terms and conditions, Descriptions and photos of the item in question. Yes No Still Need Help? We may receive compensation when you click on links to those products. Its important for cardholders to understand their role in the bank dispute process. However, the process itself isnt quite as simple as it may seem at first. The bank dispute process begins when a cardholder identifies a transaction they want to challenge, then contacts their bank or network to question the charge. The only resource you need to become an expert on chargebacks, customer disputes, and friendly fraud. This happens most often with small purchases, where the overhead of contacting the merchant and investigating the chargeback would be far greater than the amount of the purchase. 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. There is a lot of back-and-forth momentum, many moving parts, and lots of variables involved in navigating the process. If the bank does file a chargeback, theyll transmit the dispute information to the merchants bank. Most word processing applications have a template you can use so your letter is formatted correctly. Don't forget to include copies of any statements or receipts that provide evidence of the error. Show customers why they should trust your business over your competitors At some point in the past, StubHub saved my credit card information. Geeks Ondemand LLC, Lizeth Lagomarcino Papaleo Geeks Ondemand LLC, The Geeks Mob SCAM! "This person is more invested in your satisfaction and knows how best to navigate the internal channels toward a resolution," Mardock says. Second, your window to submit a chargeback is time-limited, so you should not delay in submitting a legitimate dispute. A bank dispute is the process through which a cardholder rejects fraudulent or inaccurate charges on their credit card statement with their issuing bank. 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. Find the right card for you. Improve earnings, maximize rewards and track progress toward dream trips. Some cardholders may even request chargebacks while knowing that they dont have a reason to do so. We have filed criminal charges Cleveland Georgia, ENDBAR FOUNDATIONS INC efi demolition equipment, Endbar Foundations Screwed me out of $2000 on the 1st job and $29,970 on the 2nd Job over 10 Months of work gone. The Fair Credit Billing Act does offer protection in cases where unauthorized or incorrect charges are made on your account, and most issuers are diligent about helping cardholders where possible.