When I worked for a bank call center the first question before initiating the dispute/chargeback process is “did you attempt to resolve this with the merchant first?” It is a requirement for doing the dispute. OP needs to clearly say yes, and they prevent it by not letting me speak to a human.
OP should also file a police report immediately. They won’t care, but at least the store can’t accuse OP of not following properof procedures.
dan@upvote.au 1 month ago
The standard window for a chargeback with both Visa and MasterCard is 120 days. Don’t let the retailers bully you into thinking otherwise.
Usually just threatening to do a chargeback, without actually doing it, is sufficient to get them to comply. Every chargeback costs the company money (anywhere from $15 to $40 depending on the bank) so they try to resolve issues without the customer involving the bank.
mic_check_one_two@lemmy.dbzer0.com 1 month ago
They can also entirely lose the ability to process cards if they have too many chargebacks. It’s largely an issue for smaller businesses, (there’s no way Visa is going to cut off a giant retailer like BestBuy), but it’s something to keep in mind.