Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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roblox
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Can I file a cardholder dispute if the price goes down?

Postby roblox » Wed Mar 28, 2012 9:13 pm

So a family member purchased 2 train tickets on the eurostar in europe on my credit card some 2 weeks ago for $500. I said it was fine to use my card but forgot to tell them to wait to purchase the tickets.

And today for some reason the same tickets are down by about half price for my travel in July.

The tickets are non refundable/exchangeable so I was wondering if I can file a dispute for this and would I have a chance of getting a refund?

I also saw an article online where they say to classify a dispute as an unauthorized transaction because the card companies generally favor this type of dispute.

Any help is greatly appreciated.


Celestine
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Postby Celestine » Wed Mar 28, 2012 10:17 pm

roblox wrote:I also saw an article online where they say to classify a dispute as an unauthorized transaction because the card companies generally favor this type of dispute.

Any help is greatly appreciated.


That action is I think fraud itself; filing a dispute stating the transaction is unauthorized but in reality it is authorized.

As for the ticket prices, some credit card companies has what they call "purchase guarantee" included as one of the benefits of the credit card. I guess, check the terms, agreements, conditions, and the benefits included in your credit card.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

roblox
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Postby roblox » Wed Mar 28, 2012 10:56 pm

Thanks for the quick response! Do you know if I can basically call the credit card company up and have them reverse the charge even though the tickets are non refundable? I was searching around but i don't think my card has purchase protection

2percentPlus
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Postby 2percentPlus » Thu Mar 29, 2012 2:16 pm

roblox wrote:Thanks for the quick response! Do you know if I can basically call the credit card company up and have them reverse the charge even though the tickets are non refundable? I was searching around but i don't think my card has purchase protection


No dude, when you buy something, it's yours.

Unbelievable

roblox
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Postby roblox » Thu Mar 29, 2012 2:30 pm

I didn't buy anything dude, I reserved seats. Anyway I called in an unauthorized transaction and they said I have to fill out this form online and they will reverse the charge in 3-4 day's. So obviously I should have called them first before asking.

jeffysdad
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Postby jeffysdad » Thu Mar 29, 2012 3:02 pm

what 2%+ said.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby Crashem » Thu Mar 29, 2012 8:20 pm

Some credit cards have price protection. Not sure if yours does.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

2percentPlus
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Postby 2percentPlus » Thu Mar 29, 2012 10:45 pm

roblox wrote:So a family member purchased 2 train tickets on the eurostar in europe on my credit card some 2 weeks ago for $500. I said it was fine to use my card but forgot to tell them to wait to purchase the tickets.


roblox wrote:I didn't buy anything dude, I reserved seats. Anyway I called in an unauthorized transaction and they said I have to fill out this form online and they will reverse the charge in 3-4 day's.


Make sure to list on the dispute paperwork that you authorized the charge and are committing credit card fraud.

Celestine
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Postby Celestine » Fri Mar 30, 2012 12:02 am

roblox wrote:Thanks for the quick response! Do you know if I can basically call the credit card company up and have them reverse the charge even though the tickets are non refundable? I was searching around but i don't think my card has purchase protection


You can call them but telling them it is unauthorized is committing fraud. You did give your consent to your family member to use your credit card to purchase those tickets. So... it is an authorized transaction.

Call your credit card company just to check if they have the purchase guarantee or price protection or whatever they call it. Different credit card companies different terms or wording but pretty much similar in function.

However, if they do have that protection thing, then you can try to request a credit for the price difference.

Honestly, even with the protection thing, I am skeptical that tickets, especially travel tickets, are covered since when it comes to travel tickets; the prices changes alot frequently like gas prices do.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

DavidNY
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Postby DavidNY » Fri Mar 30, 2012 6:10 pm

There are 'buyers remorse' laws but I'm doubtful they would apply here. Why not just call the carrier and ask for a price match?



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