Chase / chargeback

Financial Chat
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I tried to raise a Chargeback against a merchant for a faulty service that was provided, and got this reply from Chase. Are they right?

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This is the Mastercard Chargeback Guide:

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Curious, what was the service for them to reject it?

I ask, because a service comes in many forms.

Like paying for someoneā€™s OnlyFans and finding out you donā€™t like what they produced - not eligible for a refund.

But a service like Netflix which has been completely down for a month, you probably could get a refund via merchant/chargeback.

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Done! Thank you! And sorry in advance @Revels - feel free to move it.

Building work, where they failed to identify the thing that needed fixing. I got an alternative company in, and they provided a report showing the thing that actually needed to be fixed.

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Hmm.

Iā€™m not sure that is eligible for chargeback because they did come and provide the service, albeit didnā€™t find the problem.

The two arenā€™t the same.

If they hadnā€™t turned up, then your odds could probably be better, youā€™d need to prove that though.

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Afraid Iā€™m sure this will be a civil dispute, and I would be surprised if Mastercard took this on.

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I agree. It could be ā€˜not as describedā€™ depnding on how the exact service was described. But builders arenā€™t known for their extensive written descriptions of their services. If generally they were just billing for time as builders tend to, and they spent that time there then the service was provided.

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Thanks everyone, this is really helpful.

A few more details, in case this helps. Iā€™ve changed the part of the house, but itā€™s analogous:

I paid for a plumber to produce ā€œleak investigation reportā€ that promised to find the cause of any leak. It cost Ā£200. The report said the piping across the whole house needed to be replaced.

It sounded suspicious. I got another plumber, he found a loose connection, tightened it, and no more leaks.

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That sounds like he could argue that the piping does need to be replaced.

Not going to be an easy one

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You might do better filing a complaint with the plumbing company, explaining you got another company for the same job who did what they couldnā€™t.

Does seem ridiculous but Mastercard wonā€™t entertain it because the service was provided, just the outcome not satisfactory.

Bad reviews online never go amiss either :kissing:

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