Current Events > Have any of you ever disputed a charge in your credit card?

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Smallville 02/07/24 5:02:50 PM #1:	Did the card company approve it? Mainly talking about times when it wasn't even absolutely certain that you should not have been charged. I know that for instance, if you dispute a PSN charge then they won't let you use that PSN I.d. for anything anymore --- "That won't work Boss, hide the target in a place they're unlikely to be found"---GZ <cite>Smallville posted [p:978712707] in Have any o... [t:80690751]...</cite> <quote>Did the card company approve it? Mainly talking about times when it wasn't even absolutely certain that you should not have been charged. I know that for instance, if you dispute a PSN charge then they won't let you use that PSN I.d. for anything anymore </quote> ... Copied to Clipboard!
Harpie 02/07/24 5:04:31 PM #2:	One time I lost my credit card, and didnt realize til someone ordered over $300 worth of Dominoes My dispute was approved very easily, just took a quick phone call lol --- in a constant state of confusion <cite>Harpie posted [p:978712749] in Have any o... [t:80690751]...</cite> <quote>One time I lost my credit card, and didnt realize til someone ordered over $300 worth of DominoesMy dispute was approved very easily, just took a quick phone call lol </quote> ... Copied to Clipboard!
Pitlord_Special 02/07/24 5:05:51 PM #3:	Just once that I remember where I got double charged and I took it up with the store/merchant and they reversed it themselves instead of me having to go to the bank. --- Posted from my iPhone 13 <cite>Pitlord_Special posted [p:978712771] in Have any o... [t:80690751]...</cite> <quote>Just once that I remember where I got double charged and I took it up with the store/merchant and they reversed it themselves instead of me having to go to the bank. </quote> ... Copied to Clipboard!
Jupiter 02/07/24 5:07:27 PM #4:	I disputed a kickboxing gym charge when a scummy gym wouldn't let me cancel like they said I could. Guy at signup said I could cancel after this date. First person I emailed said I could cancel. For some reason, another manager replied and said I wasn't able to cancel due to the contract. My credit card refunded all of the payments including ones from before I wanted to cancel. >_> I told them over the phone which ones I needed refunded, but they decided to refund even more lol. --- Twitch: https://www.twitch.tv/kid_prodigy23 <cite>Jupiter posted [p:978712789] in Have any o... [t:80690751]...</cite> <quote>I disputed a kickboxing gym charge when a scummy gym wouldn't let me cancel like they said I could. Guy at signup said I could cancel after this date. First person I emailed said I could cancel. For some reason, another manager replied and said I wasn't able to cancel due to the contract. My credit card refunded all of the payments including ones from before I wanted to cancel. >_> I told them over the phone which ones I needed refunded, but they decided to refund even more lol. </quote> ... Copied to Clipboard!
Smallville 02/07/24 5:07:46 PM #5:	Harpie posted... One time I lost my credit card, and didnt realize til someone ordered over $300 worth of Dominoes My dispute was approved very easily, just took a quick phone call lol How long until you told them? Like over a few days, they might not. Your credit score went down didn't it? You were lucky, many people, they see it's not their money and go absolutely insane --- "That won't work Boss, hide the target in a place they're unlikely to be found"---GZ <cite>Smallville posted [p:978712792] in Have any o... [t:80690751]...</cite> <quote>Harpie posted... </cite><quote>One time I lost my credit card, and didnt realize til someone ordered over $300 worth of DominoesMy dispute was approved very easily, just took a quick phone call lol</quote>How long until you told them? Like over a few days, they might not. Your credit score went down didn't it? You were lucky, many people, they see it's not their money and go absolutely insane </quote> ... Copied to Clipboard!
Smallville 02/07/24 5:09:17 PM #6:	Jupiter posted... I disputed a kickboxing gym charge when a scummy gym wouldn't let me cancel like they said I could. Guy at signup said I could cancel after this date. First person I emailed said I could cancel. For some reason, another manager replied and said I wasn't able to cancel due to the contract. My credit card refunded all of the payments including ones from before I wanted to cancel. >_> I told them over the phone which ones I needed refunded, but they decided to refund even more lol. Doesn't this make you credit score go down even a small amount? Yeah I guess in many cases card is better, if cash, you have no recourse --- "That won't work Boss, hide the target in a place they're unlikely to be found"---GZ <cite>Smallville posted [p:978712818] in Have any o... [t:80690751]...</cite> <quote>Jupiter posted... </cite><quote>I disputed a kickboxing gym charge when a scummy gym wouldn't let me cancel like they said I could. Guy at signup said I could cancel after this date. First person I emailed said I could cancel. For some reason, another manager replied and said I wasn't able to cancel due to the contract. My credit card refunded all of the payments including ones from before I wanted to cancel. >_> I told them over the phone which ones I needed refunded, but they decided to refund even more lol.</quote>Doesn't this make you credit score go down even a small amount? Yeah I guess in many cases card is better, if cash, you have no recourse </quote> ... Copied to Clipboard!
Harpie 02/07/24 5:11:47 PM #7:	Smallville posted... How long until you told them? Like over a few days, they might not. Your credit score went down didn't it? You were lucky, many people, they see it's not their money and go absolutely insane I told them the day after the charge occurred, since thats when I first noticed it. I had no issues with my credit score, and they closed that card and mailed me a new one. After 24 hours it was as if nothing ever happened. Whos going insane here?? --- in a constant state of confusion <cite>Harpie posted [p:978712870] in Have any o... [t:80690751]...</cite> <quote>Smallville posted... </cite><quote>How long until you told them? Like over a few days, they might not. Your credit score went down didn't it? You were lucky, many people, they see it's not their money and go absolutely insane</quote>I told them the day after the charge occurred, since thats when I first noticed it. I had no issues with my credit score, and they closed that card and mailed me a new one. After 24 hours it was as if nothing ever happened. Whos going insane here?? </quote> ... Copied to Clipboard!
ItsNotA2Mer 02/07/24 5:11:47 PM #8:	Yeah, 2 tix to a Taylor Swift show here in Denver to the tune of $1500. --- It is impossible to live in the past, difficult to live in the present, and a waste to live in the future. (He/Him). <cite>ItsNotA2Mer posted [p:978712871] in Have any o... [t:80690751]...</cite> <quote>Yeah, 2 tix to a Taylor Swift show here in Denver to the tune of $1500. </quote> ... Copied to Clipboard!
Jupiter 02/07/24 5:16:16 PM #9:	Smallville posted... Doesn't this make you credit score go down even a small amount? Yeah I guess in many cases card is better, if cash, you have no recourse Doesn't affect your credit at all. I'll quote a post I made from another topic regarding credit. --- Twitch: https://www.twitch.tv/kid_prodigy23 <cite>Jupiter posted [p:978712956] in Have any o... [t:80690751]...</cite> <quote>Smallville posted... </cite><quote>Doesn't this make you credit score go down even a small amount? Yeah I guess in many cases card is better, if cash, you have no recourse</quote>Doesn't affect your credit at all. I'll quote a post I made from another topic regarding credit. </quote> ... Copied to Clipboard!
Smallville 02/07/24 5:17:18 PM #10:	Harpie posted... I told them the day after the charge occurred, since thats when I first noticed it. I had no issues with my credit score, and they closed that card and mailed me a new one. After 24 hours it was as if nothing ever happened. Whos going insane here?? I meant, the stealers of the card go insane. What did you think I meant? --- "That won't work Boss, hide the target in a place they're unlikely to be found"---GZ <cite>Smallville posted [p:978712984] in Have any o... [t:80690751]...</cite> <quote>Harpie posted... </cite><quote>I told them the day after the charge occurred, since thats when I first noticed it. I had no issues with my credit score, and they closed that card and mailed me a new one. After 24 hours it was as if nothing ever happened. Whos going insane here??</quote>I meant, the stealers of the card go insane. What did you think I meant? </quote> ... Copied to Clipboard!
TheSuperSilver 02/07/24 5:20:01 PM #11:	A few months ago some mother***er dropped a $1900 utility charge on my card. I called Chase and they took out the charge in addition to mailing out a brand new card. I'm a big spender so I guess I'm not too surprised that Chase never questioned the legitimacy of the transaction. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps.* - Confucius <cite>TheSuperSilver posted [p:978713033] in Have any o... [t:80690751]...</cite> <quote>A few months ago some mother****er dropped a $1900 utility charge on my card. I called Chase and they took out the charge in addition to mailing out a brand new card.I'm a big spender so I guess I'm not too surprised that Chase never questioned the legitimacy of the transaction. </quote> ... Copied to Clipboard!
bigblu89 02/07/24 5:22:04 PM #12:	Yes. But it was the CC company that contacted me for "suspicious behavior" on my card, as I rarely use it for purchases over $200. It was a $500+ charge from some random clothing website. --- It takes zero effort to be a good person. <cite>bigblu89 posted [p:978713063] in Have any o... [t:80690751]...</cite> <quote>Yes. But it was the CC company that contacted me for "suspicious behavior" on my card, as I rarely use it for purchases over $200. It was a $500+ charge from some random clothing website. </quote> ... Copied to Clipboard!
cadcrafter 02/07/24 5:27:53 PM #13:	One time I had a bunch of orders from a vegan chocolate company charged on my debit card randomly?? Luckily I get a text anytime my card is charged so I was able to call within a minute of the charge happening and got it reversed. I cant think how anybody would have gotten my card except for maybe a skimmer --- "think before you press enter. all of you." - SmashFaqs Discord i want lemm to eat ten egg <cite>cadcrafter posted [p:978713159] in Have any o... [t:80690751]...</cite> <quote>One time I had a bunch of orders from a vegan chocolate company charged on my debit card randomly?? Luckily I get a text anytime my card is charged so I was able to call within a minute of the charge happening and got it reversed. I cant think how anybody would have gotten my card except for maybe a skimmer </quote> ... Copied to Clipboard!
Prismsblade 02/07/24 5:28:56 PM #15:	So far no, my bank has been pretty good at spotting fraudulent charges, canceling and alerting me asap. Thats why Navy fed will always be my sub bank. --- 3DS FC:3368-5403-9633 Name: Kaizer PSN: Blackkaizer <cite>Prismsblade posted [p:978713181] in Have any o... [t:80690751]...</cite> <quote>So far no, my bank has been pretty good at spotting fraudulent charges, canceling and alerting me asap.Thats why Navy fed will always be my sub bank. </quote> ... Copied to Clipboard!
FL81 02/07/24 5:28:56 PM #14:	No, but my bank has been pretty spot-on with fraud protection when someone tried to use my debit card (somehow) at a gas station for $80 --- https://i.imgur.com/TGkNCva.gif https://i.imgur.com/8mWCvA4.gif <cite>FL81 posted [p:978713180] in Have any o... [t:80690751]...</cite> <quote>No, but my bank has been pretty spot-on with fraud protection when someone tried to use my debit card (somehow) at a gas station for $80 </quote> ... Copied to Clipboard!
Jupiter 02/07/24 5:29:18 PM #16:	Jupiter posted... He's right. I never carry a balance either and also have a score in the 800s. I figured out how to game the system a few years ago and went from 650 (dropped from 710 when I opened a medical credit card to get basically LASIK) to 800ish. Highest I've been at was 817 or so. Things that matter for your credit score are: * average age of all accounts (so opening a new account lowers your average age which brings down your score a little; once I pay off my last student loan, my credit score will actually drop since it's one of my oldest accounts) * Amount of total credit (receiving a credit line increase on your cards will boost your score) * Amount of accounts (more accounts is better) * Credit card utilization (the lower the better with 0% being the best. If I forgot to pay it off completely or get a charge right before the statement date and have something like a $20 statement fee when the previous was 0, my score drops a little) * Collections (this hurts your score a lot. I found out I had like $90 in collections from some medical bill I wasn't aware about years ago...paid it off and my score went up like 10-15 points...I'm sure it'd be even more for people with higher debts) * Hard checks (the more hard checks, the more they hurt your score. I think they typically take 2 years to get off your record. Each check would drop my score by 1-2 points. I got 5 checks at once the first time I bought a car) I'm sure there are more, but that's the gist of it. Here is what you need to know about your credit score. This was in response to someone thinking you needed to carry a balance to your statement as opposed to having a statement of 0 balance. Harpie posted... One time I lost my credit card, and didnt realize til someone ordered over $300 worth of Dominoes My dispute was approved very easily, just took a quick phone call lol This is exactly why I have my credit card send me phone notifications for every transaction. I'd know right away if my card was compromised. --- Twitch: https://www.twitch.tv/kid_prodigy23 <cite>Jupiter posted [p:978713186] in Have any o... [t:80690751]...</cite> <quote><cite>Jupiter posted... </cite><quote>He's right. I never carry a balance either and also have a score in the 800s. I figured out how to game the system a few years ago and went from 650 (dropped from 710 when I opened a medical credit card to get basically LASIK) to 800ish. Highest I've been at was 817 or so. Things that matter for your credit score are:* average age of all accounts (so opening a new account lowers your average age which brings down your score a little; once I pay off my last student loan, my credit score will actually drop since it's one of my oldest accounts)* Amount of total credit (receiving a credit line increase on your cards will boost your score)* Amount of accounts (more accounts is better)* Credit card utilization (the lower the better with 0% being the best. If I forgot to pay it off completely or get a charge right before the statement date and have something like a $20 statement fee when the previous was 0, my score drops a little)* Collections (this hurts your score a lot. I found out I had like $90 in collections from some medical bill I wasn't aware about years ago...paid it off and my score went up like 10-15 points...I'm sure it'd be even more for people with higher debts)* Hard checks (the more hard checks, the more they hurt your score. I think they typically take 2 years to get off your record. Each check would drop my score by 1-2 points. I got 5 checks at once the first time I bought a car)I'm sure there are more, but that's the gist of it.</quote>Here is what you need to know about your credit score. This was in response to someone thinking you needed to carry a balance to your statement as opposed to having a statement of 0 balance.Harpie posted... </cite><quote>One time I lost my credit card, and didnt realize til someone ordered over $300 worth of DominoesMy dispute was approved very easily, just took a quick phone call lol</quote>This is exactly why I have my credit card send me phone notifications for every transaction. I'd know right away if my card was compromised. </quote> ... Copied to Clipboard!
ItsNotA2Mer 02/07/24 6:59:48 PM #17:	Jupiter posted... Here is what you need to know about your credit score. This was in response to someone thinking you needed to carry a balance to your statement as opposed to having a statement of 0 balance. That was actually me who thought that carrying a small balance helped my credit score. I was glad that someone clued me in on that being false. In any case, my score is at 825, so I'm definitely doing something right. --- It is impossible to live in the past, difficult to live in the present, and a waste to live in the future. (He/Him). <cite>ItsNotA2Mer posted [p:978714743] in Have any o... [t:80690751]...</cite> <quote>Jupiter posted... </cite><quote>Here is what you need to know about your credit score. This was in response to someone thinking you needed to carry a balance to your statement as opposed to having a statement of 0 balance.</quote>That was actually me who thought that carrying a small balance helped my credit score. I was glad that someone clued me in on that being false.In any case, my score is at 825, so I'm definitely doing something right. </quote> ... Copied to Clipboard!
Vokrent 02/07/24 7:03:25 PM #18:	yeah like 15 years ago, someone somehow got ahold of my card and used it to pay for windshield repairs. i was like... bruh i have a nissan altima, not a dodge cherokee. --- Marching on in deathly silence, upon the shores we go. Crashing tides applaud the violence, upon the shores we go. <cite>Vokrent posted [p:978714805] in Have any o... [t:80690751]...</cite> <quote>yeah like 15 years ago, someone somehow got ahold of my card and used it to pay for windshield repairs.i was like... bruh i have a nissan altima, not a dodge cherokee. </quote> ... Copied to Clipboard!
Sunburst 02/07/24 7:33:47 PM #19:	Yes. Multiple times. Once I got charged an extra day for a hotel and got my money back. Had some duplicate charges refunded before. And other stuff. --- A True Friend leaves paw prints on your heart <cite>Sunburst posted [p:978715276] in Have any o... [t:80690751]...</cite> <quote>Yes. Multiple times. Once I got charged an extra day for a hotel and got my money back. Had some duplicate charges refunded before. And other stuff. </quote> ... Copied to Clipboard!
Hospy 02/07/24 7:39:30 PM #20:	Credit card number has been stolen a few times and I've disputed without any problems. <cite>Hospy posted [p:978715383] in Have any o... [t:80690751]...</cite> <quote>Credit card number has been stolen a few times and I've disputed without any problems.</quote> ... Copied to Clipboard!
Smallville 02/07/24 11:09:36 PM #21:	Hospy posted... Credit card number has been stolen a few times and I've disputed without any problems. none of you have ever had a dispute declined? Prob the vast majority and stuff, like visa, reverses the charge.. --- "That won't work Boss, hide the target in a place they're unlikely to be found"---GZ <cite>Smallville posted [p:978718904] in Have any o... [t:80690751]...</cite> <quote>Hospy posted... </cite><quote>Credit card number has been stolen a few times and I've disputed without any problems.</quote>none of you have ever had a dispute declined? Prob the vast majority and stuff, like visa, reverses the charge.. </quote> ... Copied to Clipboard!
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Smallville 02/07/24 11:47:38 PM #23:	[LFAQs-redacted-quote] yeah sony does do that. Wonder if MS and nintendo does that. Most of you think sony is wrong to do that,? even if totally legitimate they will do it. --- "That won't work Boss, hide the target in a place they're unlikely to be found"---GZ <cite>Smallville posted [p:978719374] in Have any o... [t:80690751]...</cite> <quote><cite>[LFAQs-redacted-quote]</cite> yeah sony does do that. Wonder if MS and nintendo does that. Most of you think sony is wrong to do that,? even if totally legitimate they will do it. </quote> ... Copied to Clipboard!
dancing_cactuar 02/07/24 11:50:51 PM #24:	I once saw a charge where $200 went to a company that literally didn't exist. This was easily disputed. --- Believing that Disney movies are for families is akin to buying into Nazi propaganda- LoyalToTheGame PS5s have liquid metal tech like the T-1000- AceCombatX <cite>dancing_cactuar posted [p:978719423] in Have any o... [t:80690751]...</cite> <quote>I once saw a charge where $200 went to a company that literally didn't exist.This was easily disputed. </quote> ... Copied to Clipboard!
Smallville 02/07/24 11:52:08 PM #25:	Have never disputed one. It must happen extremely frequently, where people dispute stuff --- "That won't work Boss, hide the target in a place they're unlikely to be found"---GZ <cite>Smallville posted [p:978719440] in Have any o... [t:80690751]...</cite> <quote>Have never disputed one. It must happen extremely frequently, where people dispute stuff </quote> ... Copied to Clipboard!
ExtremeLuchador 02/09/24 5:47:23 AM #26:	Square Enix was known for suspending Final Fantasy XI players 20 years ago for even an accidental chargeback by your bank. --- "It was horrible," guard Jeff McInnis said. "I took 100 naps and we were still in the air." <cite>ExtremeLuchador posted [p:978742200] in Have any o... [t:80690751]...</cite> <quote>Square Enix was known for suspending Final Fantasy XI players 20 years ago for even an accidental chargeback by your bank. </quote> ... Copied to Clipboard!
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Current Events > Have any of you ever disputed a charge in your credit card? (+) Yeah! (+)

Current Events > Have any of you ever disputed a charge in your credit card?