Quote:
Originally posted by tony404
I dont think they need a letter I think its a phone call. If they had to write a letter I dont think it would happen as often. Also if there is a charge on your cc statement that you didnt authorize then that means someone else has your number and that is theft.
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Depends on the card company. It seems that both VISA and MC in the US are just one big fucking mess.
I had to charge back something I was billed wrong for recently. I was even told to charge back by the company I originally pruchased from as they were not able to issue the credit on my card themselves. Despite this it took several phone calls and I had to fill out a form explaining the exact details behind the charge back or they would re-take the money from my card and give it back to the 'retailer'. The whole process took a couple of months plus while they also checked with the company that had billed my card.
Now that's a UK based VISA CC. It just seems that much of VISA/MC's US troubles are caused totally by it's willingless to allow fraud by many of it's own customers. I can't obviously say for sure that all banks in Europe have the same rules for charge backs but it seems more than possible if the VISA/MC europe guidelines say to do that.
Were the above a standard proceudre by every CC issuer before a charge back can take place there would probably be a lot less of them.