Harder to dispute credit card charges?
Last week I had about $2500 charged to my visa from some travel company in Texas - I promptly contact my bank and let them know these are no authorized and I would like to dispute and chargeback, I got a big explanation that the bank would contact the merchant and if the merchant does not object the charge can be rejected etc? if they object than a big affidavit etc needs to be completed etc? in the meantime I pay - can they not check and see how the charges were made? I thought they had all these great fraud detection and algorithms etc
This week I had to dispute a charge with Tangerine - on hold for 15 mins while they put me through to 'fraud dept' where I explained a merchant who already billed me in May and was paid - put through the same charges again this month! I contact the merchant and he agrees.....Tangerine tell me they have to contact the merchant and again is he agrees then the charges can easily be reversed but if he does not then again I have to prove everything? any merchant can just disagree to any dispute?
Wasn't it easier to dispute charges before?