disputing stubhub charge with bank

These deadlines are the same as those for billing errors. We'd love to hear from you, please enter your comments. Rayleigh, Essex, SS6 7UP. Call them and tell them this "Coachella 2020 was permanently cancelled. If you have any questions or concerns, chat with us live now. It's not worth the effort trying to resell your tickets. This process occurs strictly between the two banks. RV involved in hail storm , my RV roof started to leak progressive RV insurance is trying to play the blame game, Kalyan Pathuri Scamming Experiences Over Years - Investment scam is the elephant in the room that everyone is aware of yet doesn't acknowledge in the open, and that is the very act that every investment scammer out there takes advantage of. Receive 1 Free Night Award every year after your Card renewal month. 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. After this, the only way your account with us can be reactivated is for you to authorize us to charge a card again. I wont go into the details, but there are multiple other ways you could prevent accidental purchases, but you choose not to. Secondary coverage is common, but primary coverage can offer more protection. SnooStories628 3 yr. ago Thanks for the information! The bank issued a charge back. 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. Show customers why they should trust your business over your competitors At some point in the past, StubHub saved my credit card information. 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. Remember that usually, you can only dispute charges that have already posted. Find out what's required before you go, and remember to bring your paperwork or electronic documents. This is the only way to ensure that the process operates as it should. After its investigation, the bank must send you a written report explaining its decision, and either correct the error or explain why the bill is accurate. Examples of suspicious transactions may include: The cardholder is charged for goods or services outside of and apart from agreed upon times and methods. Rockville MD, Tervana Car collection Bought a caror so I thought. They love to tell people they aren't covered by certain laws and regulations when that is not true. They lose the revenue from the sale, plus the chargeback fee, but do not have to engage in the process any further. In that case, the bank dispute process would end here. i.e., customer buys ticket through stubhub for $100, Stubhub pays $85 to the ticket seller and keeps $15 for itself. He is a liar and a total joke. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. However, the process itself isnt quite as simple as it may seem at first. If so, they forward the information along to the issuer via the card network (Visa, Mastercard, etc.). Some still require cardholders to call their local branch. This FREE paperback book is your guide for preventing chargebacks and, when they happen, fighting them more effectively. 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. Most issuers offer an easy way to do this online, including Amex, Chase, Citi and Bank of America. 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. Copyright 1997-2023, Ripoff Report. Dont worry: we get it. New York NY. I sold the tickets for one reason only - to mitigate the amount we would be arguing over. X I also sent the dispute letter to their legal department. A chargeback occurs when you successfully dispute a charge on your credit card. A bank dispute is the process through which a cardholder rejects fraudulent or inaccurate charges on their credit card statement with their issuing bank. On Thu, Dec 24, 2015 at 4:40 PM, StubHub Case Managers wrote: Im sorry that you were unhappy with your recent experience with us on your order (((redacted))). Many issuers will issue you whats called a chargeback. Sub-Category: Other For TPG readers, this could also apply to certain extreme situations in trying to get refunds from airlines or other common carriers. Visit a branch in your neighborhood or further away. Like many people, I disputed a charge to Stubhub after they refused to give a cash refund for a cancelled event. Corporate Advocacy Program: How to repair your business reputation. Stubhub refuses. 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. Second, your window to submit a chargeback is time-limited, so you should not delay in submitting a legitimate dispute. Fortunately, many credit cards offer these additional protection for consumers. Often, the easiest way to resolve a billing dispute is directly with the merchant in question. Follow these guidelines to resolve problems with your bank. Nobody at StubHub has even discussed this topic with me. Offer ends 5/3/23. 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. If either of the other two options are true, though, the bank will file a chargeback on the customers behalf, and reverse the transaction. In this way, disputes are a means of protecting consumers against fraud. in your letter below) into not using their only remedy. Since federal law does not give you the right to withhold payment for defective goods purchased with a debit card, you are at the mercy of your bank's policy regarding whether you can initiate a chargeback if you paid with a debit card. The customers only remedy with StubHub is a chargeback, and you are trying to bully people (e.g. What the BBB has done to consumers for over 100 years is one of the many reasons why Ripoff Report was created. I want reimbursement for tickets and hotel. Many people dispute credit card charges for services not rendered. I tried calling you to discuss but didn't get ahold of you. It is your right to dispute this charge with your credit card company if you so choose. Research source. These laws govern both credit and debit card transactions. Just as with billing errors, the bank has two billing cycles to respond to your claim and either return the funds to your account or explain why your chargeback is being refused. in your letter below) into not using their only remedy. 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. Has your experience with this business or person been good? You might want to circle to highlight the error so it is visible. Jennifer Mueller is an in-house legal expert at wikiHow. A credit card can be preferable to cash for covering wedding costs. Your financial situation is unique and the products and services we review may not be right for your circumstances. There were shipping delays outside of the merchants control. This can happen in a few different ways, depending on the banks policies. San Francisco CA, Stubhub Purchased 2 event tickets from Stubhub. If it appears invalid, the claim will be denied. SCAM - promised PR press and bookings nothing came of it!!! Provided you can, contact the company where you bought the defective product and ask for a refund. Your web site does not adhere to the internet purchasing norms of every site I have ever shopped, and that is my issue. After you have submitted your chargeback request, your bank will provide written confirmation of your request. Many may wonder what options they have for getting those errors fixed if the merchant is unwilling or unable to make the necessary changes. But the dispute and chargeback process can help cardholders receive refunds and correct billing errors in the cases where you are unable to make it work with a merchant. And most companies will work with you to try and fix the problem without getting the credit card issuer or payment network involved. 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. What Happens When You Dispute a Transaction? There is a lot of back-and-forth momentum, many moving parts, and lots of variables involved in navigating the process. Sign up for a free trial The reason for this is to ensure that the cardholder is protected from both fraud and merchant mishandling. Most often, after collecting your reason for disputing the charge and supporting documentation, your bank will submit your chargeback to the merchant. is a senior content operations editor for TPG focused on helping our broader editorial team bring news, features and advice to our readers. CALL YOUR CARD COMPANY TO DISPUTE THE TRANSACTION, Scan this QR code to download the app now. This compensation comes from two main sources. It involves reversing a payment and triggering a dispute resolution process. Information provided on Forbes Advisor is for educational purposes only. Stubhub Stubhub embarrasses me in front of the little on and made her cry I will never use stubhub again and you should not either. The next best place to start may be your bank's website or mobile app. These examples are all instances of friendly fraud. strict standards for business conduct. So youve disputed a purchase. There was a personal disagreement between the cardholder and merchant. If the merchant disagrees with the reason given for the chargeback, they have the option to fight it. 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. Reimburse the cardholder themselves and write-off the losses. Your bank may make you wait before funds from a deposit are available. Email address Create your store Build your dream business for $1/month Start your free trial, then enjoy 3 months of Shopify for $1/month when you sign up for a monthly Basic or Starter plan. My issue Kaila is that I never intended to BUY the tickets in the first place! Actively reaching out with your bank may be your best bet. However, there is an option in those cases with your credit card company: issuing a dispute. 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. Finally, you can always submit your chargeback request in writing to your credit cards address for Billing Inquiries. Note that this address is usually different from the address where you send your credit card payments. Ask the Community Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! 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. 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. Corporate Advocacy Business Remediation and Customer Satisfaction Program. In this guide, Ill focus on how to dispute a charge that deals with a merchant billing error or other associated issues. The cardholder simply didnt like the goods or service in question. All Rights Reserved. My life mission is to get my $600 back. The amount of your available credit doesn't matter as much as how you manage it. Either its at a merchant you dont recognize, or its for a purchase youve made, but in the wrong amount. It involves reversing a payment and triggering a dispute resolution process. Keep in mind that while the Fair Credit Billing Act does offer consumers protections, those protections are dependent upon you following its guidelines. Managing chargeback risk can be a full-time job all by itself. 2023 Forbes Media LLC. There are form letters available online that you can copy and adapt to your own situation. Jennifer Mueller is an in-house legal expert at wikiHow. If something goes wronga product is not delivered, a service isnt as described or your request to cancel a subscription remains ignoredchargebacks provide a consistent mechanism and process for you to resolve billing errors. 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. The ability to resolve billing disputes by issuing chargebacks is one of the best reasons to use a credit card for your daily purchases. This is also known as a chargeback. Typically you must enter details about the transaction, including the date and amount of your purchase, and describe why you want to refuse payment. I never even saw the second screen but if you had Amazons policy for OneClick then there would be a one hour period in which a customer could cancel the order. Chargeback prevention and management are both very real concerns in todays digital shopping landscape. Please try again later. Loyal Nordstrom shoppers may appreciate the opportunity to earn rewards, but Nordstrom Credit Cards come with restricted redemption options. The APR is one of the most important things to know about your credit card. 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. 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. You are sorry my tickets did not sell at the price I wanted? How To Find The Cheapest Travel Insurance, many credit cards offer these additional protection for consumers. Freeze your credit card, ignore Stubhub, and file a complaint with your attorney general. Cookie Notice Still a little confused? This article has been viewed 6,135 times. Most banks will ask if you contacted the merchant directly prior to requesting a chargeback. Anyways I am on the phone with my bank right now. Heres what you need to know. If the merchant does decide to fight the bank dispute, they are expected to provide documentation for the banks review. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. Among other protections, you have the right to accurate billing, protection from unauthorized charges and the right to dispute charges for goods or services that are different than described. References. 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. Drug Rehab Deception Addiction Treatment Industry Rocked By Fraud & Abuse. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. Your credit card APRs will increase when the Federal Reserve raises interest rates, but you can take steps to reduce the financial stress. He misrepresents skills, says he is in US, but is in other countries, opens backdoors in software, Victoria Pressly AKA Victoria Talbot? Spectrum Cable Spectrum Came into my home, damaged my PC and leaves me screwed. Others may be quite challenging even if you act quickly and take all the right steps. Consumers want to see how a business took care of business. If they have already charged your card, dispute it with your credit card company. Improve earnings, maximize rewards and track progress toward dream trips. StubHub claims 100% customer satisfaction, but refused to refund me even $1! I don't remember agreeing to it, but it is possible I may have agreed to 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. Some banks also offer an online customer service chat that can assist you. If you are unable to resolve the matter with the merchant, you could then escalate to disputing the charge. Now, this step isnt required to dispute a charge with your credit card company if the issuer has other avenues to request a dispute. Typically this means nothing will happen regarding the error. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. 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. If the merchant believes the chargeback was invalid for some reason, though, it proceeds to the next step. Compare the cost in points or miles to cash, and see which option is best. Keep your answers brief, and stick to the facts. Try these strategies to save money and book December flights, hotels and more with rewards. Follow @TeamStubHub where our CS team is just a tweet away! However, cardholders typically have up to 120 days from the original transaction or expected delivery date in which to file a dispute. The charge will come from 'StubHub, Inc.' Do you have more than one StubHub account? If a product didnt arrive, contacting the person or company you bought it from is often the best first step. 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. Just be extremely detailed. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Merchants: sick of chargebacks sapping your profitability? They need to compile evidence, which may include: These are just a few examples. For most cardholders, the easiest way to dispute a charge is to contact their issuing bank through their preferred customer service channel. OK, this is complete and utter nonsense. Any purchases you have made will become frozen and you will no longer have access to the tickets you purchased, nor will you have the ability to purchase tickets anytime in the future. Cancellation Fees. Make sure you have documentation to back up any statements you make on your claim form. Despite the many hoops they must jump through, however, the process is surprisingly straightforward for cardholders. Make stubhub issue them refunds. Bottom line. Stubhub's policy is in the short term interest of EBay's shareholders but not in the long term interest of customer satisfaction. Generally, chargebacks occur between a . Multiple, identical items purchased in quick succession. 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. Its important for cardholders to understand their role in the bank dispute process. This article was written by Jennifer Mueller, JD. 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. Ticket was for a "postponed" nba game. Why Ripoff Report will not release author information! Essentially, a chargeback is a reverse credit card purchase. In this article, well examine the bank dispute process, including what it is and how it works. I have never sold tickets in my life and I am not a professional scalper. Considering the cost involved in filing a chargeback, it may be more cost-effective to them to simply eat the losses. 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. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. If you're experiencing financial anxiety, there are a few steps you can take to ease your fears. Have a confirmation screen that warns you that there are ABSOLUTELY NO REFUNDS even for accidental clicks. 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. This is also known as a chargeback. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. Casey Bond and Emily ShermanApril 5, 2023. They don't even pay the seller for 5 days!!! If the bank does file a chargeback, theyll transmit the dispute information to the merchants bank. My complaint has nothing to do with the selling price of the tickets you stuck me with via email. Performance information may have changed since the time of publication. Several credit cards offer loss, damage, theft or return protection as part of its benefits and many credit cards offer extended warranty protection. 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. Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. If you cancel your debit card within two business days, you will only be liable for up to $50 in fraudulent charges. To avoid penalties, pay your credit card bill when it's due, but earlier payments can offer benefits. Visit a . Worst case, I thought I was going to be brought to a screen were I would confirm or enter my credit card 3 digit security code. 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program. If a cardholder files a bank dispute, the bank should investigate the claim. The merchant and their bank will then have a period of time, usually around 10 days, to respond to the banks inquiry. Well also provide a step-by-step guide to help you navigate the system successfully. 3. $470. The bank dispute process is an important consumer protection mechanism. Your bank will provide the transaction information, your stated reason for requesting the chargeback and any supporting information that documents your claim. Copyright 1997-2023 Ripoff Report. Do not believe anything Stubhub says about anything. You might be able to push it back to whenever you asked for a refund. 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. 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. 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. [1] Certain hotels have resort fees. If you would like to see more Rip-off Reports on this company/individual, search here: Here is my latest email exchange with StubHub. How those businesses take care of those complaints is what separates good businesses from the rest. If you prefer to bank in-person, some branches still have open lobbies, despite the current public health crisis. IF (a big IF) they actually did care, they could institute measures to prevent mistakes from happening.

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