You may have to include receipts, photos, or other evidence to back up your claim. The cardholder disliked the service provider or merchant. Mardock offers these suggestions to smooth your interaction with your bank: Another reason to remain calm is that your bank may offer to remedy your complaint as a courtesy to you, even if you were technically in the wrong, says Crystal L. Rau, a certified financial planner at Beyond Balanced Financial Planning in Midland, Texas. If either of the other two options are true, though, the bank will file a chargeback on the customers behalf, and reverse the transaction. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. If the merchant disagrees with the reason given for the chargeback, they have the option to fight it. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year. 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. These deadlines are the same as those for billing errors. 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. 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. Dont click on those slick Ads! Loyal Nordstrom shoppers may appreciate the opportunity to earn rewards, but Nordstrom Credit Cards come with restricted redemption options. Your financial situation is unique and the products and services we review may not be right for your circumstances. Your bank will provide the transaction information, your stated reason for requesting the chargeback and any supporting information that documents your claim. Other banks require that you make an appointment to visit a branch. 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. 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). Once the bank makes its decision, it will provide that to you in writing along with an account credit if your dispute is successful. 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. This is why (in contrast to Amazon) pretty much every online review I have read about StubHub is terrible. If the cardholders claim seems valid, a chargeback will be approved. Actively reaching out with your bank may be your best bet. Editorial Note: We earn a commission from partner links on Forbes Advisor. I know this can be annoying but will save you a headache in the long run and prevent them from performing further fraud. Stubhub won't give me a refund! This is serious!!! - Reddit What???? Often, the easiest way to resolve a billing dispute is directly with the merchant in question. Make a copy of your receipt or statement that contains the error don't send your original to the bank. 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. 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. By signing up you are agreeing to receive emails according to our privacy policy. Your minimum credit card payment is a small percentage of your balance, but it could be big trouble. 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. How to get refunded for canceled events using your credit card - Bankrate Terms and Conditions Apply. Something went wrong. Let us show you how much you could save. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! I have never sold tickets in my life and I am not a professional scalper. Consumers educating consumers., Complaints Reviews Scams Lawsuits Frauds Reported.. 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 Shame on you StubHub. Who is ED Magedson - Founder, Ripoff Report. Anyways I am on the phone with my bank right now. 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. I have a loan for a $30,000 car, yet I have no car, "I have been completely ripped off." If you are unable to resolve the matter with the merchant, you could then escalate to disputing the charge. Pending charges generally will not have a Dispute option available online or in the app. 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). Secondary coverage is common, but primary coverage can offer more protection. Keep in mind that while the Fair Credit Billing Act does offer consumers protections, those protections are dependent upon you following its guidelines. in your letter below) into not using their only remedy. If you cancel your debit card within two business days, you will only be liable for up to $50 in fraudulent charges. 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. Corporate Advocacy Program: How to repair your business reputation. This can happen in a few different ways, depending on the banks policies. Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. 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. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. And most companies will work with you to try and fix the problem without getting the credit card issuer or payment network involved. How (and when) to dispute a credit card charge - The Points Guy In this way, disputes are a means of protecting consumers against fraud. I have already filed the chargeback and I will not be deterred by your policy of threatening customers. Don't want the tickets I bought and want to dispute charge : StubHub IF (a big IF) they actually did care, they could institute measures to prevent mistakes from happening. If StubHub decides you can be refunded, you'll probably get an email at some point on how to collect your refund. Clearwater, FL 33764, 877.634.9808 If you have any questions or concerns, chat with us live now. The issuer will also claw back the disputed amount from the acquirer. Receive 1 Free Night Award every year after your Card renewal month. In the last decade, with the rise in online shopping merchants have seen a corresponding increase in chargeback abuse. Terms apply to the offers listed on this page. This could be because of a misunderstanding between the merchant and cardholder, or because the cardholder simply didnt like the goods they received. 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. I don't remember agreeing to it, but it is possible I may have agreed to it. I contacted StubHub multiple times and they would not refund my money. And don't send the instantly downloadable tickets until the purchase is confirmed. How to Dispute Bank Charges: 13 Steps (with Pictures) - wikiHow Legal Ticket was for a "postponed" nba game. % of people told us that this article helped them. For security measure, require any purchase over $500 to respond to a text message confirming the purchase. Typically you must be able to demonstrate to your bank or credit card company that you made a good faith effort to work with the merchant to solve the problem before you initiated a chargeback. 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. Has your experience with this business or person been good? StubHub claims 100% customer satisfaction, but refused to refund me even $1! There were shipping delays outside of the merchants control. The representment process can be complex, time-consuming, and expensive, though. Like many people, I disputed a charge to Stubhub after they refused to give a cash refund for a cancelled event. The customer's only remedy with StubHub is a chargeback, and you are trying to bully people (e.g. info@chargebacks911.com, Vantage House Call them and tell them this "Coachella 2020 was permanently cancelled. Usually, you will have the ability to dispute a charge through the web page listing all of your transactions. She received her JD from Indiana University Maurer School of Law in 2006. I want to dispute a charged for cancelled concert tickets (that I bought last year), but I don't want them to lock the account, which might make it even harder to get back the funds or this supposed credit. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. 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. If the bank does file a chargeback, theyll transmit the dispute information to the merchants bank. The APR is one of the most important things to know about your credit card. Keep in mind that the first person you speak with may not have the authority to do what you want. You will not be able to add any new ones nor will you be able to modify any existing. Others may be quite challenging even if you act quickly and take all the right steps. Ripoff Report | Stubhub Review - Internet - Stubhub why doesnt allow Shame on you StubHub. In order to approve or deny a dispute, the issuing bank will scrutinize the cardholders claim. 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. Casey Bond and Emily ShermanApril 5, 2023. Research source. Some banks also offer an online customer service chat that can assist you. Dial +1 (866) 788-2482. Many times, this is the fastest way to get something resolved. Visit a . 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. In addition to regulatory protections, your bank, credit card issuer or card association may provide you with additional rights. If the merchant believes the chargeback was invalid for some reason, though, it proceeds to the next step. CALL YOUR CARD COMPANY TO DISPUTE THE TRANSACTION : r/stubhub - Reddit Several credit cards offer loss, damage, theft or return protection as part of its benefits and many credit cards offer extended warranty protection. Try these strategies to save money and book December flights, hotels and more with rewards. StubHub Community Support Selling Tickets Dispute Cancellation Fee Topic options niki_020 Waterboy Answered! Don't assume that your bank won't work with you. Stubhub "legal" wants me to drop chargeback, Scan this QR code to download the app now. In many cases, your issuer will ask for evidence of the billing error and that youve made a good-faith effort to reach out to the merchant before they will step in. Related reading: Credit card fraud vs. identity theft how to know the difference. 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. Stubhub charged my card AND cancelled tickets 48 hours to event without notifying me. After you have submitted your chargeback request, your bank will provide written confirmation of your request. This is also known as a chargeback. Some cardholders may even request chargebacks while knowing that they dont have a reason to do so. Get an idea of what you can be approved for to confidently apply for credit cards. If you're experiencing financial anxiety, there are a few steps you can take to ease your fears. Please try again later. At this point, the acquiring bank recoups the value of the original transaction by withdrawing it from the merchant's account. Good news: you can learn to stop chargebacks today. Your bank may make you wait before funds from a deposit are available. Generally, you should begin collecting documentation of the dispute as soon as you have an idea that something is wrong. A bank might issue the cardholder a provisional credit while the claim is investigated, even before a chargeback is approved. StubHub is trash. 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. A credit card can be preferable to cash for covering wedding costs. Fortunately, many credit cards offer these additional protection for consumers. Your web site does not adhere to the internet purchasing norms of every site I have ever shopped, and that is my issue. Tickets I put for sale on Stubhub never came, someone - Reddit We use cookies to make wikiHow great. 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. Most banks have specific processes in place to deal with this type of problem. They say this is impossible, but is it really? If you follow these steps, choosing the right credit card will be easy. The card network makes a final ruling. Re: Disputing A Charge = Locked StubHub Account? @TomBlundell If the show was cancelled, then you're entitled to a refund. File your review. $4000 later! Their product sucks. 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. What Happens When You Dispute a Transaction? Along with the evidence, the merchant also needs supporting documents, like a rebuttal letter. Chase Geiser Cube Advertising LLC The American Report Podcast Complete scam artist that uses the seller platform Fiverr.com to help him rip off hard working people for thousands of dollars. Well run the numbers; Youll see the savings. 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. 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. I wasted money on hotel room, as well. Is anybody having luck with stubhub chargebacks with Bank of - Reddit 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. Transactions for which the shipping information doesnt match the cardholders address. The cardholder simply didnt like the goods or service in question. Any evidence of activity that the cardholder themself did not make or approve a transaction could motivate a bank dispute. 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. The bank dispute process is an important consumer protection mechanism. The posting time indicated is Arizona local time. Finally, chargebacks are intended to resolve legitimate billing errors. We're here 24/7. Stubhub "legal" wants me to drop chargeback : r/stubhub - Reddit Copyright 1997-2023, Ripoff Report. If you have an existing relationship with a personal banker, getting in touch with that individual may be the best way to resolve your problem, says Andy Mardock, a certified financial planner and founder and president of ViviFi Planning, a financial planning firm in Bend, Oregon. 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). Many may wonder what options they have for getting those errors fixed if the merchant is unwilling or unable to make the necessary changes. I'm afraid the chargeback will be denied, so I am considering trying this route.but I don't trust Stubhub at all. If unsure, cardholders should contact their issuing bank directly to determine what their specific procedures entail. This guide shares an overview of chargebacks, how the dispute process works, and how to prevent them in your online store. 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. Once you've completed your letter, sign it using blue or black ink. Provided you can, contact the company where you bought the defective product and ask for a refund. Amazon has One Click but you can reverse the charge in the first hour. For anyone who has initiated a chargeback, some questions. It took just a few minutes of explaining the situation for my card company to refund me and initiate their disputed claims process. Did you even read my complaint? Nobody at StubHub has even discussed this topic with me. Gather all the information you have on the purchase. 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. Information provided on Forbes Advisor is for educational purposes only. 2x points on all other eligible purchases. Generally, chargebacks occur between a merchant and a credit card issuing bank or a consumer. 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. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Visit a branch in your neighborhood or further away. 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. In that case, the bank dispute process would end here. Send multiple email messages. Some banks and credit card companies may offer chargeback protections for other transactions, such as online sales, beyond those covered by federal law. "Front-line employees frequently serve as gatekeepers to supervisory or other personnel who have the authority to fix your problem," Mardock says. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Have a one hour delay (like Amazon does) to reverse One-Click purchases. 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. We'll run a soft credit check to find special offers, but it wont affect your credit score. Who's crazy enough to start this website? How those businesses take care of those complaints is what separates good businesses from the rest. The bank issued a charge back. This article was written by Jennifer Mueller, JD. I launched a chargeback through Citibank. 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. Don't forget to include copies of any statements or receipts that provide evidence of the error. If so, they forward the information along to the issuer via the card network (Visa, Mastercard, etc.). is a senior content operations editor for TPG focused on helping our broader editorial team bring news, features and advice to our readers. Second, your window to submit a chargeback is time-limited, so you should not delay in submitting a legitimate dispute. The merchant failed to implement proper antifraud procedures, allowing a criminal to complete an unauthorized 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.