• dual_sport_dork 🐧🗡️@lemmy.world
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    23 hours ago

    I have never seen a more clear cut example of a perfect use case for a credit card chargeback.

    Fun fact: You can’t dispute part of a charge. If you charge this back and win (you probably will) the hotel loses out on everything, for your entire stay. It also stacks up against them and raises their rates the more they get. An even vaguely concerted effort by people who have been ripped off by this would probably get the hotel in question booted from their credit card processor.

    I imagine it’s damn difficult to run a hotel if you can’t accept credit cards. Just saying.

    • imrighthere@lemmy.ca
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      23 hours ago

      They disputed it with their bank, the bank sided with the hotel because of the sensor report. Just saying.

      • CosmicTurtle0@lemmy.dbzer0.com
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        17 hours ago

        How do you prove to the bank or in a court of law that you didn’t do something? The hotel is alleging that their algorithm detected smoking.

        Besides setting up a camera which seems to be very invasive, how would you fight this?

      • dual_sport_dork 🐧🗡️@lemmy.world
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        23 hours ago

        Sounds like they also need to find a new bank, then. Or more people need to file — Once banks get wise of a particular scam, they’ll start taking a more dim view of it.

        • SoloCritical@lemmy.world
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          21 hours ago

          STOP USING BANK CARDS TO PAY FOR SHIT… Credit cards are the way, they are SOOOOOO much easier to deal with than a bank. Also fuck banks.

          Edit: a word

          • AlecSadler@lemmy.blahaj.zone
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            21 hours ago

            Simply put:

            If something gets fucked up and you used a debit card, you’re the one screwed until it is sorted out (if it is sorted out). Also debit disputes can take 8+ weeks I’ve heard.

            If something is screwed up and you used a credit card, then the bank is on the hook until it is sorted out. And typically they’ll credit you the amount until the investigation is complete and it is usually complete within 30 days. I’ve had chargebacks remain credited simply because the other party never responded.

          • half_fiction@lemmy.dbzer0.com
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            20 hours ago

            The commenters are saying “bank” but the original article says she disputed with her credit card company so I don’t think that’s the case here.

            • SoloCritical@lemmy.world
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              5 hours ago

              I think without actually talking to the people in question we won’t know for sure. I still feel like they used a bank debit card personally but I guess it’s up in the air.

              • half_fiction@lemmy.dbzer0.com
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                2 hours ago

                I see no reason to doubt the original reporter who did actually speak to her. The dispute was denied by her CC after the hotel provided the report. Is that really unbelievable to you?

    • InvalidName2@lemmy.zip
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      20 hours ago

      In two different cases where I’ve disputed part of a charge/order, the credit card company returned the money for the entire order like you said. I was surprised they did that, and didn’t realize that was the norm.

      On the one hand, I never wanted anything I extra that I didn’t deserve. On the other hand, both times this has happened to me, the companies at fault really, really went out of their way to deserve it. Not necessarily scam level deserved it like this hotel’s smoke detector scam, but still.

    • LilB0kChoy@midwest.social
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      21 hours ago

      But when she disputed the charge with her credit card company, they sided with the hotel after it provided the credit card company the same smoke report it sent her.

      They tried that. If the credit card denies it you could have a lawyer send a letter threatening legal action but that’s all going to be at an extra cost unless you know an attorney or they think they could make enough to o do it on spec.

      • socsa@piefed.social
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        11 minutes ago

        Unfortunately, at a certain point their “data” will just trump your affidavit that you didn’t smoke. You’d really have to press the issue to get beyond that, and pay to have expert testimony and technical reviews of the sensor.

      • halcyoncmdr@lemmy.world
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        12 hours ago

        Or you pay monthly for a law service. Those types of letters are exactly what those programs are intended to cover.

    • 0x01@lemmy.ml
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      21 hours ago

      Many credit card software providers also charge for the investigation of chargebacks, to the tune of hundreds of dollars, even if the chargeback is reversed.

      • dual_sport_dork 🐧🗡️@lemmy.world
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        20 hours ago

        Accumulating a history of chargebacks against you as a merchant, even if the consumer ultimately loses them, also counts against you and will raise your rates. The processors don’t like dealing with merchants that they perceive as excessively risky.

        I have to deal with this in my business and the whole thing is really a pain in the ass.

    • Brkdncr@lemmy.world
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      20 hours ago

      That’s not where it ends though. They can send you to collections.

      Happened to me from Verizon after I returned their modem and they said I didn’t.

      Many different collectors called and wouldn’t the same track# and photos to show it was returned. It eventually went on my credit, which took a slight hit for all of 2 months.