Issue With Mastercard Giftcards (Purchase Not Authorized and Funds Drained)
Dec 10, 2019, 3:57 pm
#91
Join Date: Feb 2013
Posts: 34
Does anybody even read the t&c's? Unless you opted out, arbitration is the only real path to addressing an unresolved dispute for most people: "If you do not want this Dispute Clause to apply, you must send us a signed notice within 60 calendar days after you purchase the Card. You must send the notice in writing (and not electronically) to our Notice Address, Attn: General Counsel. Provide your name, address and Card number. State that you “opt out” of the dispute clause."
P.S. OK, my last arbitration post, for reals.
P.S. OK, my last arbitration post, for reals.
and that still doesnt preclude you from other avenues other than legal court.
Dec 11, 2019, 9:51 am
#93
Join Date: Feb 2015
Posts: 595
A couple years ago, I had a couple VGCs that didn't get refunded after a MO purchase transaction was voided at Kame-Apart. I had to file disputes with BHN and sent in the voided receipt I took pictures of as proof. They are slow as ...., but did eventually refund the money. I also filed complaints with CFPB as well, after about 60 days of being ignored by BHN. About a week/ten days later, I had my money. I don't know if the CPFB complaint lit a fire under them or not.
Dec 11, 2019, 11:13 am
#94
Join Date: Feb 2013
Posts: 34
Dec 11, 2019, 11:15 am
#95
Join Date: Feb 2013
Posts: 34
A couple years ago, I had a couple VGCs that didn't get refunded after a MO purchase transaction was voided at Kame-Apart. I had to file disputes with BHN and sent in the voided receipt I took pictures of as proof. They are slow as ...., but did eventually refund the money. I also filed complaints with CFPB as well, after about 60 days of being ignored by BHN. About a week/ten days later, I had my money. I don't know if the CPFB complaint lit a fire under them or not.
Dec 11, 2019, 11:53 am
#96
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,440
Is anyone using MCGCs for MS activity, especially in regards to buying MOs?
If so, are they using the "drain only 99% and leave 1% on the card" method, or can one completely drain the card at the time of MO purchase? Or none of the above?
Inquiring minds want to know
Dec 11, 2019, 12:17 pm
#97
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
So with that point in mind
Is anyone using MCGCs for MS activity, especially in regards to buying MOs?
If so, are they using the "drain only 99% and leave 1% on the card" method, or can one completely drain the card at the time of MO purchase? Or none of the above?
Inquiring minds want to know
Is anyone using MCGCs for MS activity, especially in regards to buying MOs?
If so, are they using the "drain only 99% and leave 1% on the card" method, or can one completely drain the card at the time of MO purchase? Or none of the above?
Inquiring minds want to know
The problem places from what I gather for full drains are:
DG, Harris Teeter, Kroger, and possibly some other grocery stores. If you don't drain full amount it's fine.
I've been cashing out via plastiq myself. Higher fees, but lot less risk.
Dec 11, 2019, 4:04 pm
#98
Join Date: Feb 2015
Posts: 595
Agreed, the receipt was clincher. But even with that it still took 8+ weeks. Good luck to you all, don't give up.
Dec 11, 2019, 6:10 pm
#99
Join Date: Oct 2013
Posts: 1,322
I have receipts clearly showing the cards being declined at POS, printed on the receipt I got after completing the transactions with different payment.
Dec 12, 2019, 2:21 pm
#100
Join Date: Feb 2013
Posts: 34
then you have a good chance with the BHN dispute. many people in this round of "not authorized" errors did not receive any delined/void receipt.
Dec 16, 2019, 12:41 pm
#102
Join Date: Jun 2014
Posts: 163
I did not get the email but I checked and received refunds on 2 of 3 of my disputed cards dated today which say "Missing MasterCard Settlement Credit (via Portal)." Great news!
Dec 16, 2019, 1:51 pm
#103
Join Date: Jan 2013
Posts: 16
I also did not get the email. I checked my card balance on the web site and saw the refund was posted to my my card today. I submitted the dispute on 11/4.
Dec 16, 2019, 5:30 pm
#105
Join Date: Oct 2013
Posts: 1,322
For me, 2 emails received for each disputed transaction -- one with subject "DSxxxxxx - Final Credit Issued" and other "Dispute resolved" -- and $500 restored to each card. Yay!
ETA: Liquidated each disputed card today, no issues but I kept each charge to below full value of card. I will do same going fwd with stack of MCs that I have accumulated.
ETA: Liquidated each disputed card today, no issues but I kept each charge to below full value of card. I will do same going fwd with stack of MCs that I have accumulated.
Last edited by tuphat; Dec 17, 2019 at 7:05 pm