The amount of your available credit doesn't matter as much as how you manage it. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Keep receipts, photos and any communication youve made with the merchant to try and resolve the issue. https://www.ripoffreport.com/reports/stubhub/internet/stubhub-why-doesnt-stubhub-allow-charges-to-be-reversed-in-the-first-30-60-minutes-inte-1275595. Check with your credit card issuer. If unsure, cardholders should contact their issuing bank directly to determine what their specific procedures entail. The ability to resolve billing disputes by issuing chargebacks is one of the best reasons to use a credit card for your daily purchases. 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. 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. Be ready to provide your account number and security word or PIN as well as the details of your dispute and how you'd like your bank to resolve it. Follow @TeamStubHub where our CS team is just a tweet away! Gather all the information you have on the purchase. StubHub is impossible to get thru to (3 hour waits), so eventually AmEx caves and they'll credit you. 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. The bank dispute process is an important consumer protection mechanism. My issue Kaila is that I never intended to BUY the tickets in the first place! Do not believe anything Stubhub says about anything. Internet. If you disagree with the banks decision, you can submit a second chargeback before proceeding to your banks dispute resolution process, which usually includes arbitration. Have a confirmation screen that warns you that there are ABSOLUTELY NO REFUNDS even for accidental clicks. 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. He is a liar and a total joke. The bank dispute process is not simple or linear. 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 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 merchant and a credit card issuing bank or a consumer. The best thing to do is to get your bank involved. 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. 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 customers only remedy with StubHub is a chargeback, and you are trying to bully people (e.g. We'd love to hear from you, please enter your comments. Thankfully, its not a job you have to do alone. I tried calling you to discuss but didn't get ahold of you. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). You might be using an unsupported or outdated browser. 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. info@chargebacks911.com, Vantage House Likewise, if you believe that a credit card has been billed in error, contacting the merchant can often get a simple mistake resolved within a few days. The Forbes Advisor editorial team is independent and objective. 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. For more information, please see our I know you will argue otherwise, but there is nothing about your use case that prevents you from adopting Amazons policy. Jennifer Mueller is an in-house legal expert at wikiHow. 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. Did you drop the chargeback? I launched a chargeback through Citibank. They say this is impossible, but is it really? 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. Many times, this is the fastest way to get something resolved. This report was posted on Ripoff Report on 12/21/2015 03:51 PM and is a permanent record located here: 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. However chargebacks are sometimes issued against consumers, for example in the case of an erroneous ATM deposit. Who's crazy enough to start this website? This article has been viewed 6,135 times. 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. 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. If you have AmEx, you're golden. Either its at a merchant you dont recognize, or its for a purchase youve made, but in the wrong amount. She received her JD from Indiana University Maurer School of Law in 2006. Ferndale WA. Nobody at StubHub has even discussed this topic with me. I immediately (within SECONDS) opened a chat window and asked them to reverse it, and they refused. A bank dispute is the process through which a cardholder rejects fraudulent or inaccurate charges on their credit card statement with their issuing bank. I have already filed the chargeback and I will not be deterred by your policy of threatening customers. Stop losing money to chargebacks. They also provide a sample letter you can use. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. Copyright 1997-2023 Ripoff Report. Make multiple phone calls. If this happens, itll be almost impossible to resubmit the documents in time. 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. Merchants: sick of chargebacks sapping your profitability? Actively reaching out with your bank may be your best bet. Don't offer One-Click for purchases over $500. Your minimum credit card payment is a small percentage of your balance, but it could be big trouble. Merchants often choose to simply write-off the losses because fighting the chargeback would not allow them to recoup their losses. Need a quick answer about your order? I wasted money on hotel room, as well. The card network makes a final ruling. These laws govern both credit and debit card transactions. For security measure, require any purchase over $500 to respond to a text message confirming the purchase. That has nothing to do with my complaint. This FREE paperback book is your guide for preventing chargebacks and, when they happen, fighting them more effectively. Dial +1 (866) 788-2482. It may not be copied without the written permission of Ripoff Report. 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. What Happens if You File a False Chargeback Claim? In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. Many people dispute credit card charges for services not rendered. The merchant failed to implement proper antifraud procedures, allowing a criminal to complete an unauthorized purchase. Consumers love to do business with someone that can admit mistakes and state how they made improvements. Show customers why they should trust your business over your competitors At some point in the past, StubHub saved my credit card information. You may also find an online form that will let you fill in most or all of the information your bank needs to address your concern. To avoid penalties, pay your credit card bill when it's due, but earlier payments can offer benefits. Chargeback prevention and management are both very real concerns in todays digital shopping landscape. Please do not do business with them. The Federal Trade Commission lays out your specific rights and the guidelines you must abide by in order to be protected. I do not agree with this because they are taking our money when the concert isn't even here yet. A charge is sent back up the line from your account to your card issuer to the merchant bank and back to the merchant, all through the payment network used (such as Visa or Mastercard). 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. When they use the word "marketplace", what it really means is thatyou just got scammed. Others may be quite challenging even if you act quickly and take all the right steps. Some cardholders may even request chargebacks while knowing that they dont have a reason to do so. 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. 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. Post a complaint on social media to get your bank's attention. 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. 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. If the bank does file a chargeback, theyll transmit the dispute information to the merchants bank. Clearwater, FL 33764, 877.634.9808 You also will have the opportunity to ask the bank representative what specific information should be included in your letter. Examples of suspicious transactions may include: The cardholder is charged for goods or services outside of and apart from agreed upon times and methods. 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. 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. Close any account associated with Stub hub (PayPal, debit card, credit card, etc.) 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. Finally, chargebacks are intended to resolve legitimate billing errors. Many larger banks will allow you to initiate or process most disputes entirely online. What happens next? X 3 Types of Payment Reversals: Whats the Difference? 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. Some banks have additional protections. Aaron is an avid global traveler and miles and points enthusiast. 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":"