Disputed transaction with Tesco

Teknophobia

Hi everyone, hoping someone can help. I was checking my Tesco credit card statement recently and saw an item marked MSFT MSBILL.INFO for £132.48 - I contacted Microsoft after checking my Microsoft account and they said it wasn't them as they don't have any recurring products for that amount. I have a 365 account which is £79 a year so its not that either. I went back over previous statements and saw another one exactly 1 year prior for the same amount. I contacted Tesco who said it was likely fraud and they put a stop on the 'retailor' and asked me to complete a charge back form. A week later and they have replied saying they're unable to proceed as I don't recognise and have not engaged with the fraudster! Is this right? I thought the whole point of a credit card was to protect purchases of all kinds, whether or not the customer initiated them!! So fraudsters can just start taking money from people's accounts and get away with it? Surely they have the bank details of this fraudster and can go after them? And how the hell can I take it up with the 'retailer' if i dont know who they are?! Very peeved to say the least.

Thanks in advance for any advice/suggestions.

T

SaverRate

Having googled MSFT MSBILL.INFO for £132.48 it seems that the MSFT MSBILL.INFO is actually legit. Is there a transactions ID or similar you could give to Microsoft for them to find out anymore information?

They may not be able to find it on your Microsoft account but surely it could be linked to another Microsoft account?

You want to do a Section 75 claim not a chargeback on a credit card. 

[Deleted User]

SaverRate said:

Having googled MSFT MSBILL.INFO for £132.48 it seems that the MSFT MSBILL.INFO is actually legit. Is there a transactions ID or similar you could give to Microsoft for them to find out anymore information?

They may not be able to find it on your Microsoft account but surely it could be linked to another Microsoft account?

You want to do a Section 75 claim not a chargeback on a credit card. 

S75 covers things like breaches of contract, if the OP has a legitimate agreement / payment and someone is providing a service for them, even if it's one they forgot, then S75 doesn't apply. A chargeback if it's not a legitimate payment is the first step. 

That said, OP should engage with MS about this first and clarify what the cost is

Teknophobia

I've checked again with Microsoft and they even ran a check using my credit card number and nothing came up.  They've suggested I contact Tesco.  I also provided Microsoft with the reference numbers alongside the charges on my statement and was informed they are not Microsoft references (listed below)
- MSFT * E0300L3NWY MSBILL.INFO GBR
- MSFT *<E0300GLHAQ> MSBILL.INFO GBR

I will try Tesco again....

born_again

You need to report it as fraud. Not as a dispute.

Tesco will then stop & replace your card, refund you & contact M/Soft for details of the transaction. 

So just check that no one else in the household has bought anything using your card. X-Box or such. As Microsoft will just be looking under your account details.
Clearly they can not check, just under card details, or it would have brought the payment up.

Teknophobia

Thanks all.  born_again was on the money, needed to report it as fraud - I was only following Tesco's lead when they asked me to fill in a chargeback form.  After a 53 minute wait, I got through to a chap and provided him with an update on my call to Microsoft earlier.  He went through the fraud team and they are now processing the refunds and reissuing a new card.

Thanks again!

T

grumbler

SaverRate said:

You want to do a Section 75 claim not a chargeback on a credit card. 

Why? Chargeback works the same way for debit and credit cards.

born_again

grumbler said:

SaverRate said:

You want to do a Section 75 claim not a chargeback on a credit card. 

Why? Chargeback works the same way for debit and credit cards.

And does not cover fraud or disputes... 

grumbler

born_again said:

grumbler said:

SaverRate said:

You want to do a Section 75 claim not a chargeback on a credit card. 

Why? Chargeback works the same way for debit and credit cards.

And does not cover fraud or disputes... 

Really? Poor customers in other countries where s75 (or similar) doesn't exist.

Not sure what you call 'disputes', but

When can I use chargeback (and when won't it work)?

The main requirement for getting your money back through chargeback is evidence that there's been a breach of contract (for example, you didn't get what you paid for) and the firm will not give you a refund. You must try to get a refund from the firm first, before you try chargeback. 

Here are the circumstances where you could ask your provider to to give you refund via chargeback:  

• If the company goes into administration – the company you bought from has gone bust
• If the quality of an item is in question – the goods were not as described or were defective
• For non-delivery – the goods you've paid for were not received as promised and the company refuses to refund you.
• If there's a technical issue – such as expired authorisation or a processing error by the bank.
• If there's a clerical error – being charged either multiple times or for the wrong amount.
• In the event of fraud – you have been the victim of fraud and did not authorise the purchase.

 - Chargeback refunds