Chargeback rejected
#16
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#17
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The issue here is what if the chargeback as promised never materializes? By then the chargeback window has expired so what other window of recourse do you have to get your money back if the airline fails to follow through?
Can the credit card company keep the chargeback open until you get the refund? I would try any means possible to not allow them to close/deny the chargeback until you have the credit...
Also a good card issuer would issue you a provisional/temporary credit and then reverse it once the official chargeback goes through. Another thing you could try to ask for.
Can the credit card company keep the chargeback open until you get the refund? I would try any means possible to not allow them to close/deny the chargeback until you have the credit...
Also a good card issuer would issue you a provisional/temporary credit and then reverse it once the official chargeback goes through. Another thing you could try to ask for.
#18
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I did a chargeback with Citibank Thailand (using Citibank Prestige) and got ALL my money back for now.
I will keep you updated if I get charged later on but as far as I can see, my chargeback was accepted.
GJ
I will keep you updated if I get charged later on but as far as I can see, my chargeback was accepted.
GJ
#20
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If you asked Thai for a refund and they said they will grant it, then you CC chargeback is unlikely to succeed, regardless of the timeline. TG is unable to make cash disbursements while undergoing the restructuring under bankruptcy law.
That acquirer bank is bound by contractual agreements through Visa/MasterCard with the Issueing Bank (cardholder bank) to fund chargebacks.
In order to reduce the risks for the acquirer -> the acquirer is withholding a so-called "Holdback" from the merchant to fund future chargebacks.
#21
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Can the credit card company keep the chargeback open until you get the refund?
Many credit cards seem to be currently rejecting chargeback if the airline replies that it will provide refund (whatever the timing).
#22
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Seems to me I did a chargeback where I got a credit on my account while they were investigating the chargeback. Once it was settled we were done. Had it not been settled in my favor they’d have reversed the credit and I’d owe the money in the next statement.
#23
Join Date: Mar 2020
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Asked chargeback about 2 months ago. Haven't heard anything since then.I was sure I would not get my money back. But yesterday a got an information letter chargeback was successful!! :-) So happy right now. The money is already there. That was a nice and unexpected surprise :-)
#24
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Had it not been settled in my favor they’d have reversed the credit and I’d owe the money in the next statement.
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It would also be poor advice in many countries to simply fail to pay the credit card invoice. The charges will simply remain on the books, interest will accumulate, if one does not timely make even a minimum payment late fees will accumulate and eventually, the credit account will be cancelled and the matter turned over to collections.
At that point, one's credit is possibly destroyed and that can have negative consequences for many aspects of life.
If one is unable to obtain satisfaction, one must make a decision as to whether: 1. Moves on and forgets it. 2. Files a small claims (or similar) case if there is a jurisdiction which has the procedure, 3. Turns the matter over to one of the claims agents (who only take cases they believe they can win) and forgoes 25-33% of what is due as the fee to the agent.
At that point, one's credit is possibly destroyed and that can have negative consequences for many aspects of life.
If one is unable to obtain satisfaction, one must make a decision as to whether: 1. Moves on and forgets it. 2. Files a small claims (or similar) case if there is a jurisdiction which has the procedure, 3. Turns the matter over to one of the claims agents (who only take cases they believe they can win) and forgoes 25-33% of what is due as the fee to the agent.
#27
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Wow, this is not the way to deal with a charge that one wishes to dispute. Refraining from paying installments otherwise due to the card issuer is a very bad idea IMO.
Last edited by SK AAR; Jul 30, 2020 at 2:46 am
#28
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If your CC company determines that the chargeback is not to happen, then they determine that the charge is not fraudulent and you have to pay. Failing to do so will eventually lead to severe damage to your credit rating if things go to collections.
As others mention, you can take it to court, but TG is protected (for now) from creditors while under deliberation of the bankruptcy court.
#29
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However, if the ticket had been purchased with a combination of money, points, and vouchers (or gift cards, etc.), I guess they could refund just the money portion and the customer would need to go back to the credit card and try to "prove" (but it shouldn't be the customer's burden) that the points and/or vouchers weren't returned, but these items normally wouldn't be part of the chargeback anyway.
#30
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This doesn't make sense to me, at least for the way USA credit cards work. Thai should be processing the refund through the credit card and AFAIK it wouldn't matter to anyone whether they give a "refund" in response to a chargeback or let the chargeback stand unless it somehow delays when they must pay. It they do the refund for some reason, refunding to the original form of payment means that the credit card account shows the refund, so it's easy to verify whether this was actually done or not.
However, if the ticket had been purchased with a combination of money, points, and vouchers (or gift cards, etc.), I guess they could refund just the money portion and the customer would need to go back to the credit card and try to "prove" (but it shouldn't be the customer's burden) that the points and/or vouchers weren't returned, but these items normally wouldn't be part of the chargeback anyway.
However, if the ticket had been purchased with a combination of money, points, and vouchers (or gift cards, etc.), I guess they could refund just the money portion and the customer would need to go back to the credit card and try to "prove" (but it shouldn't be the customer's burden) that the points and/or vouchers weren't returned, but these items normally wouldn't be part of the chargeback anyway.