Update: Fraud dispute denied because chip made contact…
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Update: Fraud dispute denied because chip made contact with terminal at 2 am allegedly
Great news! I reached out the fraud department and I laid out my case on why the determination of their investigation was incorrect. I pointed out that the charge was initiated a 2am on a Saturday when the merchant wasn’t open.
The “dispute clerk” (literally what the receptionist called her when she transferred me) stated “Oh, actually the charge was initiated at 5:45pm on Saturday.”
Internally I was like “Huh? So on my bank statement it shows a 2am initiation but it actually started at 5:45pm? What the what?” In any case I moved forward with the rest of my case.
I explained that I was no where near the merchant on that Saturday. Also I pointed out if you pull up their hours it shows they are only open from 9am to 12pm so again how can my card make contact with a terminal when the merchant isn’t open. Lastly, I had remembered last night that my car insurance company keeps track of my car trips via an app. I pulled up my trip log during the conversation and lo and behold the app shows a trip starting at 5:50pm on the other side of town. How can I be at the merchant at 5:45pm on one of side of town and then starting a drive from the other side of town 5 minutes later? I offered to send them the record showing my car trip.
She asked if she could put me on a brief hold. About a minute later she comes back and states she spoke to her supervisor and they would reopening the dispute with the new information I provided and would work to recover the funds.
Hooray for small victories!
#entertainment
source
Great news! I reached out the fraud department and I laid out my case on why the determination of their investigation was incorrect. I pointed out that the charge was initiated a 2am on a Saturday when the merchant wasn’t open.
The “dispute clerk” (literally what the receptionist called her when she transferred me) stated “Oh, actually the charge was initiated at 5:45pm on Saturday.”
Internally I was like “Huh? So on my bank statement it shows a 2am initiation but it actually started at 5:45pm? What the what?” In any case I moved forward with the rest of my case.
I explained that I was no where near the merchant on that Saturday. Also I pointed out if you pull up their hours it shows they are only open from 9am to 12pm so again how can my card make contact with a terminal when the merchant isn’t open. Lastly, I had remembered last night that my car insurance company keeps track of my car trips via an app. I pulled up my trip log during the conversation and lo and behold the app shows a trip starting at 5:50pm on the other side of town. How can I be at the merchant at 5:45pm on one of side of town and then starting a drive from the other side of town 5 minutes later? I offered to send them the record showing my car trip.
She asked if she could put me on a brief hold. About a minute later she comes back and states she spoke to her supervisor and they would reopening the dispute with the new information I provided and would work to recover the funds.
Hooray for small victories!
#entertainment
source
| 1,000 mlx | |
| 3 | |
| 0 |