How far back can you chargeback? - GoFuckYourself.com

Shap · 07-22-2005, 02:10 PM

I had to chargeback a charge on my canadian visa and the lady told me 75 days was the maximum. I was sure it was 6 months. What's the deal? Did she lie? or have our processors been pushing some chargebacks that weren't chargebacks?

After Shock Media · 07-22-2005, 02:12 PM

6 months seem about right from what I have seen including non adult.

davethetruth · 07-22-2005, 02:12 PM

Amex is 2 months I believe

Rinaldo · 07-22-2005, 02:13 PM

Great question, I think they've been getting tougher on them recently Shap.
I remember 2 years ago I charged something back 4 months after it had happened and it was pretty easy.

(My bank Debit card) calls me once a month to ask me if I really did buy all those things and i just confirm it and that's it. They always ask "are you sure this option will expire after 30 days from the date of transaction"

Someone once told me you can chargeback a check 7 years after it is written. is taht true?

Jayde · 07-22-2005, 03:06 PM

According to the bank, once a check has been cashed you cannot charge it back. And even 2 years ago, MBNA wouldn't let me charge back a fraudulent charge after 60 days. Which is why I can't understand how all these people can do a chargeback even after 12 to 18 months on their credit card and 3 to 6 months later on their online checks. It boggles the mind.

BVF · 07-22-2005, 03:07 PM

six months? I didn't think it was longer than three...

jact · 07-22-2005, 03:07 PM

Quote:

Originally Posted by shap

I had to chargeback a charge on my canadian visa and the lady told me 75 days was the maximum. I was sure it was 6 months. What's the deal? Did she lie? or have our processors been pushing some chargebacks that weren't chargebacks?

If it's Canadian, you have a full 365 days under the Consumer Protection Act to get your money fully refunded, you don't even need a chargeback. It's the law.

wha wha wha · 07-22-2005, 03:09 PM

Quote:

Originally Posted by BVF

six months? I didn't think it was longer than three...

I have seen six month range chargebacks, they hurt.

Kimmykim · 07-22-2005, 03:11 PM

It depends on the bank and the type of transaction. Something recurring without a signature -- especially in the high risk range -- has totally different rules than something you signed for on delivery or a swipe transaction.

Shap · 07-22-2005, 03:21 PM

Quote:

Originally Posted by Kimmykim

It depends on the bank and the type of transaction. Something recurring without a signature -- especially in the high risk range -- has totally different rules than something you signed for on delivery or a swipe transaction.

That makes sense. This was a signed transaction.

TheDoc · 07-22-2005, 03:59 PM

It depends on the agreed merchant account..

We have been told flat out that we could not CB and got hung up on. We called the bank and visa, both put us through to the company we had problems with and the company just said no.

07-22-2005, 02:10 PM	#1
Shap Confirmed User Industry Role: Join Date: May 2001 Posts: 8,313	How far back can you chargeback? I had to chargeback a charge on my canadian visa and the lady told me 75 days was the maximum. I was sure it was 6 months. What's the deal? Did she lie? or have our processors been pushing some chargebacks that weren't chargebacks?

07-22-2005, 02:12 PM	#2
After Shock Media It's coming look busy Join Date: Mar 2001 Location: "Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn". Posts: 35,299	6 months seem about right from what I have seen including non adult. __________________ [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

07-22-2005, 02:12 PM	#3
davethetruth Confirmed User Join Date: Jan 2004 Location: Los Angeles Posts: 2,806	Amex is 2 months I believe __________________ Rainbow Revenue- The BEST Gay Conversions New Sex Toy Affiliate Program! Get $10.00 Just For Joining! Choose from two Sex Toy Stores to promote: BedroomSports- Since 1998 - Now New & Improved! VibratorWarehouse- New Site with Excellent Conversions!

07-22-2005, 02:13 PM	#4
Rinaldo Confirmed User Join Date: Sep 2003 Location: South Florida Posts: 5,086	Great question, I think they've been getting tougher on them recently Shap. I remember 2 years ago I charged something back 4 months after it had happened and it was pretty easy. (My bank Debit card) calls me once a month to ask me if I really did buy all those things and i just confirm it and that's it. They always ask "are you sure this option will expire after 30 days from the date of transaction" Someone once told me you can chargeback a check 7 years after it is written. is taht true? Last edited by Rinaldo; 07-22-2005 at 02:15 PM..

07-22-2005, 03:06 PM	#5
Jayde Confirmed User Join Date: Nov 2003 Location: USA Posts: 108	According to the bank, once a check has been cashed you cannot charge it back. And even 2 years ago, MBNA wouldn't let me charge back a fraudulent charge after 60 days. Which is why I can't understand how all these people can do a chargeback even after 12 to 18 months on their credit card and 3 to 6 months later on their online checks. It boggles the mind. __________________ Jayde http://www.hotindianbabe.com

07-22-2005, 03:07 PM	#6
BVF Black Vagina Finder Join Date: Jan 2002 Location: The Midwest Posts: 13,975	six months? I didn't think it was longer than three... __________________ Black Pussy Click On Mr Cosby..CCbill, 60/40, 136 FHG's....The Cos Loves Black Ghetto Pussy!!

07-22-2005, 03:11 PM	#9
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	It depends on the bank and the type of transaction. Something recurring without a signature -- especially in the high risk range -- has totally different rules than something you signed for on delivery or a swipe transaction.

07-22-2005, 03:59 PM	#11
TheDoc Too lazy to set a custom title Industry Role: Join Date: Jul 2001 Location: Currently Incognito Posts: 13,827	It depends on the agreed merchant account.. We have been told flat out that we could not CB and got hung up on. We called the bank and visa, both put us through to the company we had problems with and the company just said no. __________________ ~TheDoc - ICQ7765825 It's all disambiguation