Issue With Mastercard Giftcards (Purchase Not Authorized and Funds Drained)
Nov 3, 2019, 7:16 am
#31
Join Date: Jul 2008
Posts: 32
Does not seem to be color/batch specific as we hear reports that cover the $200's at Staples and the variables at grocers. I am not convinced by the 'don't drain full amount' theory as I read reports elsewhere saying that also failed. I think the most likely explanation is post 24 above which points at an issue with Maestros handling of the transaction.
Be interesting to see if anyone gets problems in using one of these cards for organic spend
Be interesting to see if anyone gets problems in using one of these cards for organic spend
Nov 4, 2019, 8:10 pm
#33
Join Date: Aug 2014
Posts: 39
I had success liquidating one $200 MCGC from the same batch purchased at Staples by buying a $198 MO (with fee $198.46). Seems something about draining the cards to zero that triggers the "not authorized" problem?
Will try again and report tomorrow.
Will try again and report tomorrow.
Nov 5, 2019, 5:16 pm
#34
Join Date: Nov 2019
Posts: 4
MCGC Drain Updates?
Anyone have any updates for those who’s cards were declined and auto drained? I submitted a dispute on Saturday and received an email yesterday saying my dispute is in process and could take 30-60 days.
Any data points on funds getting transferred back onto the cards and the issue resolving itself?
The grocery store I worked with called their corporate office and confirmed no money was exchanged on their end and the transaction was voided.
I took advantage of the Staples offer to trade in MCGS for Visa and liquidate those. My store is following the add rules though so it’s slow going right now.
Any data points on funds getting transferred back onto the cards and the issue resolving itself?
The grocery store I worked with called their corporate office and confirmed no money was exchanged on their end and the transaction was voided.
I took advantage of the Staples offer to trade in MCGS for Visa and liquidate those. My store is following the add rules though so it’s slow going right now.
Nov 5, 2019, 11:03 pm
#35
Join Date: Apr 2012
Posts: 213
Anyone have any updates for those who’s cards were declined and auto drained? I submitted a dispute on Saturday and received an email yesterday saying my dispute is in process and could take 30-60 days.
Any data points on funds getting transferred back onto the cards and the issue resolving itself?
The grocery store I worked with called their corporate office and confirmed no money was exchanged on their end and the transaction was voided.
I took advantage of the Staples offer to trade in MCGS for Visa and liquidate those. My store is following the add rules though so it’s slow going right now.
Any data points on funds getting transferred back onto the cards and the issue resolving itself?
The grocery store I worked with called their corporate office and confirmed no money was exchanged on their end and the transaction was voided.
I took advantage of the Staples offer to trade in MCGS for Visa and liquidate those. My store is following the add rules though so it’s slow going right now.
Nov 7, 2019, 11:45 am
#38
Join Date: Apr 2012
Posts: 213
Communication Update
Hello,
Our Disputes team is currently working on your Case# XXX, and will provide you with an up date as soon as possible. Please be advised that dispute claims are resolved within 30-60 days, however, the overall process may take up to 90 days.
Please add [email protected] to your safe sender list by clicking here. This is in case your mailbox filter or ISP (Internet Service Provider) may stop you from receiving such e-mails.
We appreciate your business and value you as a customer.
Sincerely,
Cardholder Dispute Services
Hello,
Our Disputes team is currently working on your Case# XXX, and will provide you with an up date as soon as possible. Please be advised that dispute claims are resolved within 30-60 days, however, the overall process may take up to 90 days.
Please add [email protected] to your safe sender list by clicking here. This is in case your mailbox filter or ISP (Internet Service Provider) may stop you from receiving such e-mails.
We appreciate your business and value you as a customer.
Sincerely,
Cardholder Dispute Services
Nov 8, 2019, 4:14 pm
#39
Join Date: Oct 2013
Posts: 1,322
I keep using the cards but only for swipes of less than full load. Example: I will purchase $898 MO using 2x $200 VGC, then pay remaining balance with $500 MCGC, leaving small amount on last card. I have not had any problems using this approach.
P.S. FWIW, for me, the small amount left on the MCGC "works normally," i.e., can be used for small purchase with remaining funds correctly deducted/drained and applied to the purchase transaction
P.S. FWIW, for me, the small amount left on the MCGC "works normally," i.e., can be used for small purchase with remaining funds correctly deducted/drained and applied to the purchase transaction
Last edited by tuphat; Nov 9, 2019 at 12:10 pm
Nov 9, 2019, 7:14 am
#40
Join Date: Nov 2019
Posts: 4
CS at WM said they’ve changed their system recently, but I wouldn’t take that one at face value.
I cancelled the transaction after the VGC went through and it showed up on the transactions for that card as paid and then reversed. At least there’s silver lining that VGCs are still reliable for now.
Nov 9, 2019, 3:42 pm
#41
Join Date: Nov 2017
Programs: none
Posts: 106
I keep using the cards but only for swipes of less than full load. Example: I will purchase $898 MO using 2x $200 VGC, then pay remaining balance with $500 MCGC, leaving small amount on last card. I have not had any problems using this approach.
P.S. FWIW, for me, the small amount left on the MCGC "works normally," i.e., can be used for small purchase with remaining funds correctly deducted/drained and applied to the purchase transaction
P.S. FWIW, for me, the small amount left on the MCGC "works normally," i.e., can be used for small purchase with remaining funds correctly deducted/drained and applied to the purchase transaction
Nov 10, 2019, 7:03 am
#42
Join Date: Oct 2013
Posts: 1,322
This is not intended as legal advice, but --
For those of us that have filed disputes with Metabank by email or fax, I think it would be prudent to send hard copy to the Sioux Falls notice address listed in the card agreement, which is clear that a written notice "not sent electronically" is required before beginning a lawsuit or arbitration. Hopefully it doesn't get to that point, but this would seem an open-and-shut case for arbitration.
For those of us that have filed disputes with Metabank by email or fax, I think it would be prudent to send hard copy to the Sioux Falls notice address listed in the card agreement, which is clear that a written notice "not sent electronically" is required before beginning a lawsuit or arbitration. Hopefully it doesn't get to that point, but this would seem an open-and-shut case for arbitration.