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I would never process a charge back in this situation- I always try to contact the merchant by reasonable means first. Further, the last few times I have had to
by ensignavenger 8y ago
I would never process a charge back in this situation- I always try to contact the merchant by reasonable means first. Further, the last few times I have had to deal with fraudulent charges, my banks has always asked if I had attempted to contact the merchant- in one case they even called with me to insist that the merchant refund me (Having my bank on the line let them know I was serious about doing a charge back if they refused to cooperate- they cooperated).
What the OP describes though was a merchant making it difficult to contact them. I think in the case where the merchant insists on you calling them and fails to answer their phone, a charge back is warranted.
- LorenPechtel 8y agoI just went through a compromised card. The bank alerted me as they considered the transactions suspect. They didn't even ask if I tried to contact the merchants. I denied making them (they were in a city I haven't been in in almost 40 years) and that was that.
- ensignavenger 8y agoWhen the bank flags it as a possible compromise, they probably don't. Different banks probably have different procedures, but when my wife's debit card was compromised recently, they asked her if she had contacted the merchant- she had not, as she didn't even know who they were. After she explained that, they proceeded to process her claim, but they did check.