Credit Card Chargeback Claim System: Ultimate Guide

[AllThatStuff]

Bhai how did you filed chargeback in axis ? What was the process ? I have filed chargeback in sbi card using application in mobile, plus I have filled form and mailed it to them.

I simply called the Customer Care & explained him the case... rest all was done by him !!

 

[AllThatStuff]

You are lucky you got saved.
the agent gets a 40% kick back from the amount you paid. It's an easy 60000 in his pocket.
Time share and multi level marketing are both scams

Yes...I too was shocked that having seen so many MLM frauds in college, why wasn't I able to sense this fraud !!

 

[Ragul]

I have paid 25k from icici credit card to another credit card using AeronPay app around 2 months back and the amount not settled to target credit card. Later I sent lot of mails to them but no luck. I also raised complaint in national consumer helpline and no luck with that. Can I raise Charge back now? It has been 2 months now. Will ICICI credit card customer care help on this?

 

[pgarg24]

I have paid 25k from icici credit card to another credit card using AeronPay app around 2 months back and the amount not settled to target credit card. Later I sent lot of mails to them but no luck. I also raised complaint in national consumer helpline and no luck with that. Can I raise Charge back now? It has been 2 months now. Will ICICI credit card customer care help on this?

check this reply:

4

Post in thread 'Credit Card Chargeback Claim System: Ultimate Guide'

Jun 10, 2023

Does anyone know if it is possible to raise a fraud/dispute for a transaction that was done 50-60 days ago through credit card..? Does bank then does the above verification/validation and resolve disputes?

Each bank has its own specific time frame for raising a dispute, and it can also vary depending on the card variant you hold. For example, with SBI, you can dispute transactions made with Visa/Mastercard and Amex cards up to 90 days, while for Rupay cards, the timeframe is up to 30 days. It is advisable to check the specific policies of your bank and the card you are holding to...

• 4uziaul

• 
• 

 

[kumars_001]

One question on this charge back claim.
I raised a charge back and sbi did a temp credit and they said after investigation if it is found correct them it will be q permanent credit.

The question is if at all for some reason they reject the charge back after a couple of months and debit this temp credit, then will by cibil gets impacted? If that's the case I can make an extra payment for safety

 

[TechnoFinoTechnoFino is verified member.]

One question on this charge back claim.
I raised a charge back and sbi did a temp credit and they said after investigation if it is found correct them it will be q permanent credit.

The question is if at all for some reason they reject the charge back after a couple of months and debit this temp credit, then will by cibil gets impacted? If that's the case I can make an extra payment for safety

No, it will not impact your score

 

[kumars_001]

No, it will not impact your score

Below is what SBI said.

Post investigation, if the resolution of the dispute is in your favor, the temporary credit will be debited and will get replaced with a permanent credit and any reward points associated with the disputed transaction will get debited. However, if the dispute resolution is not in your favor, we shall be constrained to reverse the temporary credit and Finance Charges associated with the disputed transaction will be charged on your card account.

Additionally, Finance charges will be charged for the period during which Temporary credit was issued to your card account.

 

[TechnoFinoTechnoFino is verified member.]

Below is what SBI said.

Post investigation, if the resolution of the dispute is in your favor, the temporary credit will be debited and will get replaced with a permanent credit and any reward points associated with the disputed transaction will get debited. However, if the dispute resolution is not in your favor, we shall be constrained to reverse the temporary credit and Finance Charges associated with the disputed transaction will be charged on your card account.

Additionally, Finance charges will be charged for the period during which Temporary credit was issued to your card account.

What the..... Please raise complaint with the bank, this is not the right way to handle chargeback claim. bank can't change you interest/fees for losing a chargeback claim.

 

[Guddi]

While booking flights on Indigo site using Axis Atlas, the amount was debited but I did not get any confirmation. (on January 5)
Will the refund come automatically or should I raise chargeback?

 

[TechnoFinoTechnoFino is verified member.]

While booking flights on Indigo site using Axis Atlas, the amount was debited but I did not get any confirmation. (on January 5)
Will the refund come automatically or should I raise chargeback?

Don't raise chargeback before contacting indigo in this case. First contact indigo and wait few days for automatic refund. Chargeback is the last option.

 

[Guddi]

Don't raise chargeback before contacting indigo in this case. First contact indigo and wait few days for automatic refund. Chargeback is the last option.

Indigo is saying they are unable to track the transaction and asking me to contact bank. Should I wait few days for automatic refund or raise chargeback?
Received the refund just now 🙂

 

[kumars_001]

What the..... Please raise complaint with the bank, this is not the right way to handle chargeback claim. bank can't change you interest/fees for losing a chargeback claim.

Should I wait until they charge a fee or should I go ahead and complaint now itself?

 

[TechnoFinoTechnoFino is verified member.]

Should I wait until they charge a fee or should I go ahead and complaint now itself?

you should complaint right away.

 

[Raviteja]

I've paid one year internet recharge of act fiber net as they offer another extra one month.after they refused to provide extra one month and I raised a charge back and it will successfully completed in favour of me after 20 days I've received message from bank as


Dear Cardmember, Dispute raised against your card has been resolved in your favour. We have credited the disputed amount to your card account on 24-12-2024


Now my question Is what will happen to already recharged #fibernet account, will they stop service as I got charge back

 

[drsel]

Now my question Is what will happen to already recharged #fibernet account, will they stop service as I got charge back

I would think so.
This is one of the reasons why they take payment in advance.

 

[Koushikdas24]

But what if the merchant is fraud? I mean they falsified all their contact details.

And my chargeback was declined and as proof I was showed some shitty settlement ss.
My thread - https://www.technofino.in/community...r-transactions-in-idfc-card.36106/post-911228

Any help will be appreciated 🙏

 

[Abhishek012]

But what if the merchant is fraud? I mean they falsified all their contact details.

And my chargeback was declined and as proof I was showed some shitty settlement ss.
My thread - https://www.technofino.in/community...r-transactions-in-idfc-card.36106/post-911228

Any help will be appreciated 🙏

see here my reply, apply for 2nd chargeback -

A

Post in thread 'Regarding chargeback for transactions in IDFC card'

Jan 16, 2025

Well, I had to pay a big amount of insurance approx 10k. So I visited sites that offering discounts on Amazon Pay gift cards and as luck or bad luck, I found this site pagostore.in And saw 10% discount on 10k gift card. (I imagined not impossible cause some bank offers 10% discount in sale) Saw some good reviews and I hop in. As a precaution first purchased 10rs gift card and after payment instantly received order processing mail after 2 minutes received gift card and after 1 min my received order completed mail.
Then ordered 100rs gift card and after 1 min it was processed, 1 min...

• Abhishek012

•