![]() ![]() ![]() If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account. In those cases, you may have to wait as long as 90 days for the issue to be fully resolved. The bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. If you are asked to follow up in writing and you do not do so within ten business days, the bank or credit union is not required to temporarily credit your account during the course of its investigation. For example, the bank or credit union may require you to provide written confirmation of the error if you initially provided the information by telephone. The issuer must acknowledge your dispute within 30 days of receiving it and resolve the matter within 90. You can typically start the dispute process online or by giving the card’s issuer a call. In certain circumstances, however, it does not have to issue a temporary credit. You have 60 days to dispute a credit card charge, per the Fair Credit Billing Act of 1974. If the bank or credit union can’t complete its investigation within ten (or 20) business days as applicable, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of $50, while it continues to investigate. Your bank or credit union then has three business days to report its findings to you. The bank or credit union must correct an error within one business day after determining that an error has occurred. And indeed, upon review of your records, you found that you already had your refund.Once you notify your bank or credit union, it generally has ten business days to investigate the issue (20 business days if the account has been open less than 30 days). The company said it agreed to reopen your case and, after a brief investigation, claimed it had already refunded your ticket. I list their names, numbers and email addresses on my consumer advocacy site. You might have tried an appeal to one of the Chase customer service executives. If I’ve ever seen an open-and-shut case, it’s yours. Not only had you filed your dispute on time, but you had obviously not received the service for which you paid. It’s unclear why Chase continued to deny your claim. After all, one of the big reasons I recommend a credit card for airline ticket purchases is that if the airline goes belly-up, at least you can get your money back through the credit card dispute process. Even if you’d gone past the 60 days, Chase should have carefully reviewed your case. Under the FCBA, you were entitled to a full refund. It looks as if Chase didn’t fully review your case and continued to send you form-letter rejections. I reviewed the paper trail between you and Chase. 3 - that’s 56 days, which is well within the 60 days required by the FCBA. It looks as if your initial transaction posted on Aug. Some banks extend this deadline, but they don’t have to. You must initiate the dispute within 60 days of the first statement in which the error or charge appeared. It’s a federal law that protects you from unauthorized charges, incorrect charges and charges for goods or services not received, among other things. ![]() Your right to dispute a credit card transaction comes from the Fair Credit Billing Act. We have confirmed that these transactions are valid and will remain on your account balance.” That’s infuriating. All it sent you is the following message: “As you requested, we reviewed our original finding that you are responsible for the credit card transactions you disputed with us. Can you help me? - Brendan Bloom, Keyport, N.J.Īnswer: If your airline went bankrupt before your flight, and you paid with a credit card, you should receive a full refund. I appealed, provided more information and receipts, but they still say the charges are valid. Gather up helpful documents, such as billing statements or messages from the company. The airline went bankrupt before my flight, so I filed a chargeback with Chase because I never received the service for which I paid.Ĭhase denied my claim. This is your big opportunity to get help, so be as specific as you can. Question: I booked a flight with Primera Air last year. She tries to file a chargeback through Chase, but the credit card company denies her claim. ![]()
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