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-   -   RyanAir refund exchange rate shenanigans (https://www.flyertalk.com/forum/ryanair/1926376-ryanair-refund-exchange-rate-shenanigans.html)

tai4de2 Aug 21, 2018 1:32 am
RyanAir refund exchange rate shenanigans
 
Bought a one-way ticket on RyanAir for BGY-STN. Fare was quoted in Euros but actually charged to my card in USD using an unfavorable exchange rate (I am in the USA and using a US credit card). I am an experienced traveler and know to reject dynamic currency conversion in a situation like this but I don’t recall that ever being an option.

Flight was delayed by over three hours and RyanAir promised a full refund if I wanted it. I took them up on it and found that they refunded in Euros directly. So the conversion to USD therefore took place at the market rate.

Basically RyanAir has scammed me out of $30. I get that rates fluctuate but I’m crying foul here. Of course dealing with RyanAir directly has gone nowhere and so I’m disputing the difference in charge vs refund with CapitalOne. I have full documentation of the entire sorry chain of events.

Juat venting I guess. Never even flown this airline and they’ve managed to vex me!

ft101 Aug 21, 2018 6:16 am
Originally Posted by tai4de2 (Post 30108880)
. . . know to reject dynamic currency conversion in a situation like this but I don’t recall that ever being an option.
It is an option for GBP cards when purchasing in Euro, just not easy to spot. You may have missed it, but I don't have a USD card to try.

If the exchange rate had moved in your favour and you had received more back than you paid, would you have sent the difference to Ryanair?

tai4de2 Aug 21, 2018 5:50 pm
Originally Posted by ft101 (Post 30109513)
It is an option for GBP cards when purchasing in Euro, just not easy to spot. You may have missed it, but I don't have a USD card to try.

If the exchange rate had moved in your favour and you had received more back than you paid, would you have sent the difference to Ryanair?
Nice strawman but I’m not biting.

This wasn’t an issue with a fluctuation in exchange rate — which I would have accepted. It is an issue of the airline stacking the deck to ensure they profit even in a refund situation.

CapitalOne has already settled the dispute in my favor, for the difference.

Often1 Aug 21, 2018 7:07 pm
This has nothing to do FR. It was paid for the ticket in EUR and issued a refund in EUR. The conversion profits went to various institutions along the way in the banking system.

Complaints such as yours are common. Not just with air tickets but with other purchases which go sideways. You paid EUR X for the ticket and that is the refund due.

For a piddling sum such as $30, most card issuers will simply eat the dispute, especially when they are not out any hard cash themselves.

ft101 Aug 22, 2018 12:39 am
Originally Posted by tai4de2 (Post 30112793)
CapitalOne has already settled the dispute in my favor, for the difference.
They will have done this as it's cheaper than investigating. It doesn't mean you were correct. Please try a dummy booking and look carefully for the DCC avoidance button.


Originally Posted by Often1 (Post 30113017)
This has nothing to do FR. It was paid for the ticket in EUR and issued a refund in EUR. The conversion profits went to various institutions along the way in the banking system.
My understanding is that vendors get a cut of the DCC money.

tai4de2 Aug 22, 2018 9:08 am
The ticket was not charged in Euros. It was charged in dollars but refunded in Euros.

I agree that I may have missed the DCC opt-out during purchase.


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