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--- shopping:disputed_card_transactions_chargeback [2021/02/10 15:50] – created peter
+++ shopping:disputed_card_transactions_chargeback [2021/02/10 15:53] (current) – peter
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 ====== Shopping - Disputed card transactions (chargeback) ======
+You may want to dispute a card transaction if:
+  * The transaction was not authorised by you, or was put through more than once.
+  * The supplier did not deliver the goods or services you paid for.
+You should contact the supplier first and ask for a refund. If the supplier will not refund your money and you paid using a credit or debit card, your card provider – usually your bank – may agree to reverse the transaction. This is called a chargeback.
+In order to start a chargeback, you should contact your bank or credit card provider immediately. Give them details of the disputed transaction and request that they follow it up.
+Depending on the debit or credit card scheme – i.e. Visa or MasterCard – there are different terms and conditions in relation to chargebacks. Most schemes offer full chargeback rights but there can be specific timeframes for requesting a chargeback, such as 120 or 180 days after the transaction takes place or the agreed date of delivery. These timeframes vary depending on the card scheme, i.e. Visa or MasterCard.
+If there is a transaction on your bank account or credit card statement that you do not recognise, contact your bank or credit card company straight away as it could be a fraudulent transaction.
+If you request a chargeback and you are not happy with the response from your bank or card provider, you can [[https://www.ccpc.ie/consumers/how-to-complain/|make a complaint]].
+----
+===== References =====
+https://www.ccpc.ie/consumers/shopping/disputed-card-transactions-chargeback/
+https://www.ccpc.ie/consumers/how-to-complain/
+[[https://www.ccpc.ie/consumers/shopping/|The Competition and Consumer Protection Commission (CCPC)]]