Poor Service from Revolut and RBS

eco_warrior

Meant to add, I do expect to be in some sort of collections status in the following days

System

Why not just credit your Revolut via Faster Payment?
You will generally bypass such problems.

The sort code is likely to be 04-00-75 with a eight digit account number- check your app.

Terry_Towelling

So, Revolut has accepted a Chargeback and processed it against your account because the Chargeback data (which is pretty much a replication of the original transaction data) shows them that is where it must go.

Surely even Revolut must understand that RBS can only send a Chargeback when there is a transaction with a valid 23-digit ARN in existence and where that transaction was created by Revolut?

Revolut has a system issue that clearly causes things to fall over when they've 'timed out' an Authorisation request. They may be timing out too early, but regardless of that, if they are going to 'time out' when waiting for an authorisation response, and then add their own decline response, their systems should then be ignoring the 'late' RBS 'approval' responses and not processing any 'phantom' transactions based on those 'late' approvals.

To my mind that is a serious hole in their system.

eco_warrior

Heng_Leng wrote: »

Why not just credit your Revolut via Faster Payment?
You will generally bypass such problems.

The sort code is likely to be 04-00-75 with a eight digit account number- check your app.

Hi Heng

To be honest I’ve made hundreds if not thousands of tops ups via debit card but this is the first issue I’ve had. Faster payments can go missing as well.

It’s how they have dealt with the issue that stinks to me. I’ll be closing my account, I’ve already opened another account with a similar bank.

eco_warrior

Terry_Towelling wrote: »

So, Revolut has accepted a Chargeback and processed it against your account because the Chargeback data (which is pretty much a replication of the original transaction data) shows them that is where it must go.

Surely even Revolut must understand that RBS can only send a Chargeback when there is a transaction with a valid 23-digit ARN in existence and where that transaction was created by Revolut?

Revolut has a system issue that clearly causes things to fall over when they've 'timed out' an Authorisation request. They may be timing out too early, but regardless of that, if they are going to 'time out' when waiting for an authorisation response, and then add their own decline response, their systems should then be ignoring the 'late' RBS 'approval' responses and not processing any 'phantom' transactions based on those 'late' approvals.

To my mind that is a serious hole in their system.

Indeed terry. They don’t seem to understand how their own system work, or chargebacks.

So currently in £510 in the red to Revolut but my RBS balance is correct.

Revolut’s terms and conditions state that if my negative balance remains for 7 days then they will automatically claim the money from my back using the continuous payment authority I’ve set up. This has since been cancelled.

I’ve also yet to hear back regarding my second complaint to them.

Terry_Towelling

That's the trouble with relative newcomers; they build their systems around the notion that everything will work according to the ideal standard but, when something unusual happens, it takes time and effort (usually on the part of the customer) to get them up the learning curve and to make sure it doesn't happen again.

Best of luck with that.