What might have happened?

jackerd1

Hi here...I have raised a chargeback and the merchant simultaneously refunded the money.

Say i were raised charge backed at the time of receipt of refund.

Now it's almost 120 days about to get passed since i raise charge back.still i neither i don't get refund nor success charge back.The outcome is pending..( my card have ability to accept refund though)

Recently i made an attempt to contact the merchant to know the status of the transaction and the merchant keeps on saying it were refunded.

So i requested him for Refund ARN in order to locate the funds..

So what might have happened in my case?say charge back raised at the time of receipt of refund.were dose the fund might be sitting?

hopefully some might help me here...:T

Ccarter

I don't quite follow your post. But I think the gist of it is that the bank has raised a chargeback and the merchant say they have refunded you. The merchant has 45 days to accept or reject the claim. They could reject it saying the refund had been actioned. If the refund is not on your card at the time of the rejection then the bank would'nt accept it as you have not received it..

Also a refund can take awhile to come through...

jackerd1

Ccarter wrote: »

I don't quite follow your post. But I think the gist of it is that the bank has raised a chargeback and the merchant say they have refunded you. The merchant has 45 days to accept or reject the claim. They could reject it saying the refund had been actioned. If the refund is not on your card at the time of the rejection then the bank would'nt accept it as you have not received it..

Also a refund can take awhile to come through...

Say in simple:

1. I Have raised Charge back from my end before receipt of refund from the merchant.

2. Merchant says he have refunded the transaction in that case he might have declined charge back raised by me saying that refund were issued.

3.But now almost 100 days passed from the date of refund issued by merchant and almost 120 days passed since i raise charge back.

4.Neither i haven't received any refund from the merchant nor successful charge back(it's still in pending).

My question is If merchant decline the charge back saying that he have issued refund then were dose the merchant refunded money might be sitting when still i don't receive credit on card statement??:o

ViolaLass

Have you asked your credit card company?

PeacefulWaters

ViolaLass wrote: »

Have you asked your credit card company?

Dead right.

Pursue it with the card company. If there's been a refund to the card they can see it.

Is the retailer claiming they've refunded you a different way?

jackerd1

PeacefulWaters wrote: »

Dead right.

Pursue it with the card company. If there's been a refund to the card they can see it.

Is the retailer claiming they've refunded you a different way?

Yes now i have placed request to card company hopefully they have a look into that soon.


Merchant made a refund by the same way of funding.

With that I have placed a request to merchant to provide refund ARN number. Hopefully my bank can locate the funds using refund ARN??