Charged twice on Credit card

eco_warrior

stroppymare wrote: »

I purchased the tickets on the 9th of April, to use on the 11th of April.
I noticed the double charge a couple of days later, so approximately 13th of April I contacted nationwide Straight away.
The forms arrived about the 25th of April and were completed and returned the next day, So would have arrived at nationwide by the 27th.
I received the response (which was dated 10th of May), Yesterday, 14th of May

Thanks for clarifying. So Nationwide have knocked back your claims saying you have no rights under the Visa Chargeback Scheme. I disagree with them.


There isn't a claim for a duplicate payment as you made both of the transactions and the service for each differs as parking was removed from the second payment.

As the first payment failed Nationwide have a few options:

1) Service not provided - This is valid as you stated the transaction failed and therefore no service was received for this payment (it was received for the other one). Its down to the merchant to prove you received the service linked to this payment, not for you to prove you didn't.

2) Credit not processed - This is valid if you were given a transaction void receipt (I assume you don't have one though?)



There are probably 2 other options that could be attemped as well, I really don't think Nationwide have thought this one through.

I would approach Nationwide again and ask them to review the claim one more time. If they refuse to help then as others have said you are best to open a complaint.

Best of luck

Terry_Towelling

What has SeaWorld said to you - anything yet?

Eco-Warrior's Chargeback knowledge is more current than my own but I'd have thought a 'paid by other means' Chargeback would have been worth a go (assuming your April dates are the correct ones). You should be able to create a compelling version of events - i.e. how the website said the transaction had failed (but hadn't) so you did it again, and that the amounts are different because the site wouldn't allow you to include the parking charge on your second attempt, and that the payments were for the same service for the same people on the same date.

On the basis that SeaWorld and it's Acquirer are not charlatans, I can't see why they'd not investigate your claims if they were made through a Chargeback - and I can't really see what Nationwide have to lose by trying this Chargeback for you. Perhaps the Chargeback isn't a perfect fit for the dispute because most people assume the 'other means' payment has to have been through some other payment instrument. Besides Nationwide can always re-debit you later on if it fails for any genuine reason.

eco_warrior

Terry_Towelling wrote: »

I'd have thought a 'paid by other means' Chargeback would have been worth a go (assuming your April dates are the correct ones). .

Yeah this could work as could cancelled services. Id be 99% sure of winning this one way or the other.

mchale

stroppymare wrote: »

Beany_bot
You are entitled to your opinion but
Things have moved on a long way since ‘Blackfish’. You are probably not aware of that, too busy on your crusade!

Yes you are correct https://seaworld.com/orlando/media-room/press-releases/free-beer-all-summer-long-for-seaworld-orlando-park-guests/


trying to up attendances give free beer :rotfl:

Ben8282

It is unfortunate that the amount of the two charges is not identical as this does unfortunately raise some suspicion. It is also odd that you could not add the parking costs on the second attempt. Do you have any idea why? This could create the impression that you bought the original 6 tickets and then decided to add 6 more, but without the parking. How did you pay for the parking in the end?
Did you receive any e-mails from SeaWorld when making these transactions?
How were the tickets actually provided? Were they provided electronically to your phone or did you have to collect them from somewhere?
Why did you not take the matter up with SeaWorld while you were there? It would have been a lot easier.

Terry_Towelling

eco_warrior wrote: »

Yeah this could work as could cancelled services. Id be 99% sure of winning this one way or the other.

Thanks for the info. My earlier post crossed with yours, so I hadn't read yours when I sent mine. Anyway, 'Cancelled Services' is another new one on me. I don't know, you turn your back on the world of Chargebacks for just 15 years and everything changes!

Ben8282

eco_warrior wrote: »

Yeah this could work as could cancelled services. Id be 99% sure of winning this one way or the other.

What if the service is non-refundable or has a cancellation charge? SeaWorld has not cancelled any services; the customer has.

stroppymare

Ben8282
I’ve no idea why the system wouldn’t let me book for the parking on the second attempt. I paid for this by cash when we arrived at the car park. Names for each attendee had to be given and obviously the same names were given for each order. I received two emails from SeaWorld, different order numbers but both exactly the same order, one minus the car park. I would have contacted the world whilst in America had I not been given the impression by nationwide that they would deal with it on my return home

Ben8282

Very good.
The two e-mails showing the same names for the same thing on the same date should go a long way to support your claim. I think you need to go back to Nationwide and be more insistant with them.

eco_warrior

Terry_Towelling wrote: »

Thanks for the info. My earlier post crossed with yours, so I hadn't read yours when I sent mine. Anyway, 'Cancelled Services' is another new one on me. I don't know, you turn your back on the world of Chargebacks for just 15 years and everything changes!

Hey TT

Visa rules have changed a bit in recent times. 13.7 is a rule that covers

1. The cardholder cancelling a purchase in line with the merchants t&cs and not being refunded

2. The merchant failing to disclose the terms and conditions of cancellation at the point of sale. And the merchant refuses to refund.

Ben8282 wrote: »

What if the service is non-refundable or has a cancellation charge? SeaWorld has not cancelled any services; the customer has.

See above. And that’s why I didn’t suggest it as it’s more of a loophole chargeback.