For security measure, require any purchase over $500 to respond to a text message confirming the purchase. Corporate Advocacy Program: How to repair your business reputation. 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 can only assume, since you never address this in your responses, that you have this policy because accidental purchases enhance your profitability at the expense of your customers. (Getty Images). entities, such as banks, credit card issuers or travel companies. It involves reversing a payment and triggering a dispute resolution process. strict standards for business conduct. Weve all been there you open up your credit card app or check out your account online to pay a bill or look over recent purchases, and you notice a charge that doesnt add up. Well run the numbers; Youll see the savings. Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. This post contains references to products from one or more of our advertisers. 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. And don't send the instantly downloadable tickets until the purchase is confirmed. Reimburse the cardholder themselves and write-off the losses. When you speak with a representative, explain your situation simply, avoid expressing strong emotions and share what you hope to achieve. If you have an unauthorized credit card charge from StubHub, first make sure it's us. Most banks will ask if you contacted the merchant directly prior to requesting a chargeback. Once the merchants representment package has been approved by the acquiring bank, they will forward it to the issuing bank for a final judgment. This is a growing problem that negatively affects everyone involved: it raises prices, causes market insecurity, and can even cause supply chain issues. StubHub claims 100% customer satisfaction, but refused to refund me even $1! Either its at a merchant you dont recognize, or its for a purchase youve made, but in the wrong amount. The bank dispute process is not simple or linear. Pending charges generally will not have a Dispute option available online or in the app. If so, they forward the information along to the issuer via the card network (Visa, Mastercard, etc.). 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. I apologize you don't feel that our attempts to rectify the situation are satisfactory to you. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. At this point, the acquiring bank recoups the value of the original transaction by withdrawing it from the merchant's account. If you're establishing or rebuilding credit, a secured credit card is a great option. It cannot be The very least it wasn't that when you listed the items so you should still be held accountable to the 40% not the 100% if there's anyway to get your bank or credit card involved for the full charge definitely do StubHub truly could be the worst but they also have such great deals last minute Theweirdlad 3 yr. ago Advertisers above have met our You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. If you do choose to open a dispute with your credit card company, once we receive the chargeback we will deactivate your account immediately. The APR is one of the most important things to know about your credit card. All rights reserved. Gather all the information you have on the purchase. When listing tickets, you are in complete control of the price, but Im sorry they did not sell at the price you wanted. It's not easy to get a lower interest rate, but it's possible if you follow a few steps. Keep your answers brief, and stick to the facts. "One of the most common bank disputes is a fraudulent charge by someone who has stolen your credit card or debit card information," Mardock says. Most word processing applications have a template you can use so your letter is formatted correctly. If a cardholder files a bank dispute, the bank should investigate the claim. Your financial situation is unique and the products and services we review may not be right for your circumstances. There are form letters available online that you can copy and adapt to your own situation. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Make stubhub issue them refunds. Other banks require that you make an appointment to visit a branch. Please try again later. In the last decade, with the rise in online shopping merchants have seen a corresponding increase in chargeback abuse. Any evidence of activity that the cardholder themself did not make or approve a transaction could motivate a bank dispute. This happens most often with small purchases, where the overhead of contacting the merchant and investigating the chargeback would be far greater than the amount of the purchase. The bank may also ask for some documentation from the cardholder, including: The third step in the bank dispute process is for the bank to review the matter and approve or deny the claim. They love to tell people they aren't covered by certain laws and regulations when that is not true. READ: Foreign websites steal our content, Click Here to read other Ripoff Reports on Stubhub. However, cardholders typically have up to 120 days from the original transaction or expected delivery date in which to file a dispute. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Your first course of action should always be to reach out to the merchant in cases of billing error or order issues. Patients made into prostitutes and sex slaves, bilking insurance companies out of millions, Sac_County Iowa Prosecutor Ben Smith pays $750,000 to settle Ripoff Report 1983 civil rights lawsuit.. Federal Judge stops prosecutors abuse of power against ED Magedson Founder of Ripoff Report. Copyright 1997-2023, Ripoff Report. Fortunately, many credit cards offer these additional protection for consumers. When I asked the timeline, they said I could have a refund in 3-5 days. Sometimes your credit card issuer will simply issue you an account credit for the amount you dispute. I wasted money on hotel room, as well. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. REBUTTAL BOX Step two: Fill a charge dispute with your issuer Most issuers offer an easy way to do this online, including Amex, Chase, Citi and Bank of America. You should always consider calling first to provide initial notice of the error. In this step, the issuer can either accept the re-presented transaction, or reject it by filing a second chargeback (called an arbitration chargeback or a "pre-arb," depending on the card network). This site does not include all credit card companies or all available credit card offers. Stubhub charged my card AND cancelled tickets 48 hours to event without notifying me. If you are unable to resolve the matter with the merchant, you could then escalate to disputing the charge. However chargebacks are sometimes issued against consumers, for example in the case of an erroneous ATM deposit. If a dispute goes to arbitration, then it's out of the bank's hands. That's not the case with Chase. And most of the top credit card companies will work with you to resolve the issue. You will not be able to add any new ones nor will you be able to modify any existing. Look for perks like extra cash back and 0% APR. If the merchant believes the chargeback was invalid for some reason, though, it proceeds to the next step. Often, the easiest way to resolve a billing dispute is directly with the merchant in question. Sign up for a free trial I have already filed the chargeback and I will not be deterred by your policy of threatening customers. Their product sucks. As a user of credit cards or other banking products, your ability to issue a chargeback is one of the most important tools you have to resolve billing disputes and undo fraud. He is a liar and a total joke. San Francisco CA, Stubhub Purchased 2 event tickets from Stubhub. At this stage, the bank do one of three things: The bank may go with the first option if its a low-dollar value transaction (less than $25). still nothing. I know this can be annoying but will save you a headache in the long run and prevent them from performing further fraud. Follow @TeamStubHub where our CS team is just a tweet away! A bank dispute is the process through which a cardholder rejects fraudulent or inaccurate charges on their credit card statement with their issuing bank. 6-7 Claydons Lane This is also known as a chargeback. Casey Bond and Emily ShermanApril 5, 2023. Close any account associated with Stub hub (PayPal, debit card, credit card, etc.) All business will get complaints. Long story short I lost. References. The content This article was written by Jennifer Mueller, JD. Most often, chargebacks are issued for one of the following reasons: Generally, chargeback abilities are limited to 120 days from the date of purchase and are not meant as a way to protect against loss, damage or theft after a product has been delivered or as an extended return protection or warranty benefit. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. For minor errors, you might consider simply calling the bank rather than filing a formal letter of dispute. and have not been previously reviewed, approved or endorsed by any other @TomBlundell If the show was cancelled, then you're entitled to a refund. Your web site does not adhere to the internet purchasing norms of every site I have ever shopped, and that is my issue. These must be assembled and submitted according to the the requirements of the bank, and the time limits imposed by the card network. He misrepresents skills, says he is in US, but is in other countries, opens backdoors in software, Victoria Pressly AKA Victoria Talbot? There are a few scenarios in which this could be the case. We use cookies to make wikiHow great. This could be because of a misunderstanding between the merchant and cardholder, or because the cardholder simply didnt like the goods they received. the General manager said Hollywood Florida, Patsy Ward Hollywood Public Defender Patsy Ward is railroading a disabled autistic child to prison Los Angeles California, Regal Keto Shark Tank Regal Keto Diet Pills Reviews This weight is usually regained quickly once you go off the cleanse. Ferndale WA. Merchants often choose to simply write-off the losses because fighting the chargeback would not allow them to recoup their losses. Did you even read my complaint? The industry has come to term this type of abuse friendly fraud. If you abuse chargebacks, you can expect that your bank will take action against you including closing your account. With that in mind, lets break down how to navigate the bank dispute process, and see exactly what happens at each stage of a chargeback. If you're a cosmetics connoisseur and are looking for a way to build credit while upping your beauty product game, the Sephora credit card may be for you, but redemption options are limited. Wait for a StubHub representative to reach you. If you prefer to bank in-person, some branches still have open lobbies, despite the current public health crisis. Consider sending your letter using certified mail with returned receipt requested, so you know when the bank has received your letter and can calculate the response time. Stubhub tries to hide behind the mask of "we are just a marketplace you bought the tickets from someone else and we cannot reverse since the transaction is between you and another person." 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. Next, the acquirer forwards documentation about the dispute to the merchant. If a product didnt arrive, contacting the person or company you bought it from is often the best first step. Actively reaching out with your bank may be your best bet. To avoid penalties, pay your credit card bill when it's due, but earlier payments can offer benefits. Your bank may make you wait before funds from a deposit are available. This report was posted on Ripoff Report on 12/21/2015 03:51 PM and is a permanent record located here: Just be extremely detailed. in your letter below) into not using their only remedy. But the term may be foreign to you if youve never had to do it. One of the most common reasons a cardholder may request a chargeback is the identification of fraudulent or unauthorized transactions on their account. They also took about 45 days to let me know they wanted more info, and I had to submit a packet of backup and it's still not 100% but they did reverse the charge after that and now stub hub has 60 days to respond. Related reading: Credit card fraud vs. identity theft how to know the difference. That has nothing to do with my complaint. With a chargeback, your credit card issuer (Chase,. The bank dispute process is an important consumer protection mechanism. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Your credit card APRs will increase when the Federal Reserve raises interest rates, but you can take steps to reduce the financial stress. After receipt, the bank has two billing cycles or a maximum of 90 days to investigate the situation. Heres what you need to know. Note that if you tell them you are going to protest a charge on your credit card, they send a littany of threats instead of trying to work the issue out with you. And it would be nice to have a conversation with somebody that actually will discuss what my real concern is instead of spoon feeding me your standard talking points. Here's how: After signing in, find and select the transaction you are concerned about Review the transaction details and click Dispute Transaction to start the process Answer a few questions, review your responses and click Submit dispute Like many people, I disputed a charge to Stubhub after they refused to give a cash refund for a cancelled event. Make a copy of your letter and everything you plan to send with it before you mail it so you have a copy for your own records. 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program. Dont worry: we get it. The only resource you need to become an expert on chargebacks, customer disputes, and friendly fraud. The Federal Trade Commission and other regulatory bodies mandate a fair amount of protection to consumers using credit cards. The customer's only remedy with StubHub is a chargeback, and you are trying to bully people (e.g. What happens next? If you cancel your debit card within two business days, you will only be liable for up to $50 in fraudulent charges. With few purchases taking place on its platform now, the fees StubHub usually collects from both buyers and sellers on each transaction which could total anywhere from 25% to 35% are few. However, cardholders sometimes request chargebacks without a valid reason to do so. Keep in mind that while the Fair Credit Billing Act does offer consumers protections, those protections are dependent upon you following its guidelines. In fact, COVID-19 has led to an increase in chargebacks as . Did you drop the chargeback? Some banks and credit card companies may offer chargeback protections for other transactions, such as online sales, beyond those covered by federal law. 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. Make your request in writing so you have proof of the exchange. Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. We may receive compensation when you click on links to those products. Use standard business format for your letter. Well also provide a step-by-step guide to help you navigate the system successfully. i.e., customer buys ticket through stubhub for $100, Stubhub pays $85 to the ticket seller and keeps $15 for itself. https://www.ripoffreport.com/reports/stubhub/internet/stubhub-why-doesnt-stubhub-allow-charges-to-be-reversed-in-the-first-30-60-minutes-inte-1275595. Whether your bank has made a mistake on your statement, you received a defective product, or your credit or debit card was used without your permission, federal law and Federal Reserve regulations protect your rights when you need to dispute bank charges. You must notify the bank within 60 days of the transaction if you want to initiate a chargeback. Company website run by crooks outside USA pretending to be in USA to get USA money taking your hard-earned dollars funneling it to the country of Peru, Shohrab Chowdhury Shorab, Mohammed Shohrab, Shohrab Bengali Heed this warning about Shohrab Chowdhury. You are sorry my tickets did not sell at the price I wanted? Please do not do business with them. Usually, there is a Dispute This Charge option when you expand a specific charge. % of people told us that this article helped them. X After you have submitted your chargeback request, your bank will provide written confirmation of your request. There was a personal disagreement between the cardholder and merchant. Don't offer One-Click for purchases over $500. I spent the entire concert trying to reach someone in customer service (never happened) while the confused venue ushers seated us in one of the last seats on the floor farthest from the center (the last 3 seats in the row to be exact). By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. By signing up you are agreeing to receive emails according to our privacy policy. Stubhub Why doesn't Stubhub Allow Charges to be Reversed in the First 30-60 Minutes? Most banks have a toll-free fraud line that is available 24 hours a day, seven days a week. 3 Types of Payment Reversals: Whats the Difference? If the bank does file a chargeback, theyll transmit the dispute information to the merchants bank. I've spent days/weeks battling StubHub and THE ONLY WAY to get any sort of reimbursement, is to dispute the charge. You should only dispute charges in the appropriate circumstances outlined above. But lets say that you order a product through an online seller, and that product arrives at your house shattered. 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. Most people will just take the hit and not complain. You may have to include receipts, photos, or other evidence to back up your claim. Despite the many hoops they must jump through, however, the process is surprisingly straightforward for cardholders. Don't forget to include copies of any statements or receipts that provide evidence of the error. Others may be quite challenging even if you act quickly and take all the right steps. Resolving a bank dispute can be worth the effort, especially if a large sum is at stake, your credit score is at risk or you just want the satisfaction of a resolution, even if the sum is small or the outcome won't affect your credit. "This person is more invested in your satisfaction and knows how best to navigate the internal channels toward a resolution," Mardock says. The customers only remedy with StubHub is a chargeback, and you are trying to bully people (e.g. Have a confirmation screen that warns you that there are ABSOLUTELY NO REFUNDS even for accidental clicks. Your bank will also either post a temporary credit to your account for the disputed amount or pause required payments and interest on the disputed amount. This avenue will likely get you either a refund or a replacement product faster than filing a chargeback would. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. If you have AmEx, you're golden. Bogus Celebrity Advertisements FACE & Skin CREAM Ripoff! If unsure, cardholders should contact their issuing bank directly to determine what their specific procedures entail. Amazon has One Click but you can reverse the charge in the first hour. Others may be quite challenging even if you act quickly and take all the right steps. I immediately (within SECONDS) opened a chat window and asked them to reverse it, and they refused. Generally, chargebacks occur between a merchant and a credit card issuing bank or a consumer. I can see it being a problem that stubhub has to refund $100 -- as it is then out $85 unless it can recover from the ticket seller. Why Ripoff Report will not release author information! How those businesses take care of those complaints is what separates good businesses from the rest. Chargebacks can wreak havoc on your cash flow and profitability. "If you feel like you're hitting a wall," Rau says, "don't be afraid to ask for a manager, and if you're still not making progress, don't be afraid to tell them they're losing you as a customer.". Once the bank makes its decision, it will provide that to you in writing along with an account credit if your dispute is successful. I sold the tickets for one reason only - to mitigate the amount we would be arguing over. 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. It could be pulled from the merchant account reserve on file with the bank, or directly from the merchant account. This article was written by Jennifer Mueller, JD. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. If submitting your chargeback request online is not an option, you can call your bank via the phone number on the back of your credit card or customer service phone number. IF (a big IF) they actually did care, they could institute measures to prevent mistakes from happening. I cancelled on stubhub they are charging me full price of it. -------------------------------------------------------------------------------------------------------------------------------------. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. This entity is known as the acquirer). Often the easiest way to submit a chargeback request is through your banks website. Follow these guidelines to resolve problems with your bank. Find out what's required before you go, and remember to bring your paperwork or electronic documents. It is your right to dispute this charge with your credit card company if you so choose. One of the most common reasons a cardholder may request a chargeback is the identification of fraudulent or unauthorized transactions on their account. This means youll need to send in a formal dispute letter by mail (yes, snail mail) within 60 days of the disputable charge. Otherwise, they may kick the package back to the merchant. Card Rating is based on the opinion of TPGs editors and is not influenced by the card issuer. For an explanation of our Advertising Policy, visit. Thankfully, its not a job you have to do alone. 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. Post a complaint on social media to get your bank's attention. These cards offers 2% cash back on most, if not all, of your purchases, but some come with caveats. Tell us has your experience with this business or person been good? These deadlines are the same as those for billing errors. For example, the Federal Trade Commission has a letter to dispute billing errors available at. Try these strategies to save money and book December flights, hotels and more with rewards. Internet. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Thanks to all authors for creating a page that has been read 6,135 times. What???? 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. Stubhub Stubhub embarrasses me in front of the little on and made her cry I will never use stubhub again and you should not either. It may not be copied without the written permission of Ripoff Report. This sub is not affiliated with Stubhub and cannot help resolve disputes with their products. The evidence will vary depending on the customers claim. Sub-Category: Other This sub is not affiliated with Stubhub and cannot help resolve disputes with their products. We're here 24/7. A credit card can be preferable to cash for covering wedding costs. Some bank disputes can prove easy to settle. Remember that usually, you can only dispute charges that have already posted. However, you must follow the required procedures and dispute the transaction before the deadline passes if you want to take advantage of these consumer protections and get your money back. Actively reaching out with your bank may be your best bet. 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. The cardholder disliked the service provider or merchant. Copyright 1997-2023 Ripoff Report. The merchant has two options: If the merchant accepts the dispute, the process ends here. 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. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Marriott Bonvoy Business American Express Card, Southwest unveils stunning new Hawaii-themed aircraft, How to redeem Chase Ultimate Rewards points for maximum value, IHG Rewards Premier Business card review: The annual fee is justified. If your dispute is complex and likely to require multiple contacts or steps to resolve, take notes about each contact, including when it occurred, what was determined and what follow-up actions are needed.