Authorized vs Unauthorized Visa Protection = gay
 

"Because the merchant received an authorization for the purchase, any account credit related to the purchase has to come from the merchant. There is no guarantee that our research will result in any account credit for an authorized purchase. Please contact the merchant to discuss any forthcoming account credit or any fees resulting from the purchase. If you have any other questions, please email us through our secure Internet Banking message center blahblahblah blah blah..."

So basically with this rule you can shop online, purchase a product/service, give the merchant authorization to charge your card. Then they can keep your money, not provide the product/service, and ignore the banks???

So, how's it going Chris at FoundryNap? Thanks for selling me a 2nd 100mbps server and then shutting it down for the majority of the month of February. Thanks for ignoring and not paying your 24 hr support as well. And thanks to the wonderful support team that you had that tried to seek a several hundred dollar bribe just to turn the machine back on. Another satisfied customer. Now i understand your motto:

FoundryNAP Networks, Incorporated
"If we dont treat our customers right, someone else will!"

Did that come from Visa or the issuing bank? An issuing bank would be shooting themself in the foot if they told you that.

Issuing Bank - Visa Debit Card

I would fire the bank. There is enough proof out there that you got fucked over on the purchase. If they wouldn't go with fraud, they should have at least offered to look into the situation and come to a reasonable outcome with you.

You can still dispute for not receiving the service you paid for :)

Correct.

According to Visa International Chargeback regulations, the issuing bank HAS to initiate a chargeback for either for "Services Not Rendered" (if the server was down for the entire month) or "Services Not As Described" (if the serve was up and down all month). This is regardless of whether or not an authorization was given for the charge.

Send your issuing bank a letter briefly explaining the situation. Include your card number and the dates your hosting was down for. They'll take action, but it might take a few months.


Not only is this policy enforced by Visa Int., it's also part of the Fair Credit Billing Act