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Message
How long does it usually take for a dispute over a fraudulent charge to get reimbursed?
Posted on 4/9/18 at 12:50 pm
Posted on 4/9/18 at 12:50 pm
Long story short, charges appear to Walmart.com over the weekend when I was out of town at a wedding, starting on Friday and ending on Saturday, that amassed over $1,300 on my account. Some of the charges have already been reimbursed, only one $200 dollar charge remains.
I've cancelled the card and sent in the forms to my bank and all that, but was looking for personal experiences on how long this usually takes to clear up?
I've cancelled the card and sent in the forms to my bank and all that, but was looking for personal experiences on how long this usually takes to clear up?
16
Posted on 4/9/18 at 12:51 pm to Ross
No longer than a week
Posted on 4/9/18 at 12:51 pm to Ross
quote:
when I was out of town at a wedding
quote:
Walmart.com
Not a good alibi.
Are you sure you didn't get drunk and order things?
Posted on 4/9/18 at 12:52 pm to Ross
Depends on if it's credit or debit.
Posted on 4/9/18 at 12:52 pm to iheartlsu
quote:
No longer than a week
That is being generous
Posted on 4/9/18 at 12:54 pm to Ross
at least a few days
you have time to get to mexico before you have to repay the money
you have time to get to mexico before you have to repay the money
Posted on 4/9/18 at 12:54 pm to Ross
Happen to me last year. It took 20 minutes for Chase to reimburse me.
Guess the bank guy didn’t take me for somebody buying shite at Cousins Food Store in NBR. Whoever used it also paid their Entergy bill hahaha.
Guess the bank guy didn’t take me for somebody buying shite at Cousins Food Store in NBR. Whoever used it also paid their Entergy bill hahaha.
Posted on 4/9/18 at 12:55 pm to Ross
Just filed one with citicards. Took less than 24 hours.
Posted on 4/9/18 at 12:56 pm to Ross
I haven’t a clue. I use straight cash, bro.
Posted on 4/9/18 at 12:57 pm to castorinho
it was a debit card that they used as credit
Posted on 4/9/18 at 12:57 pm to Ross
Chase is usually same day depending on the time you call.
ETA: with debit cards
ETA: with debit cards
This post was edited on 4/9/18 at 12:58 pm
Posted on 4/9/18 at 12:58 pm to Ross
My fake charges are cleared before the day is over.
Your card bank sucks dick.
Your card bank sucks dick.
Posted on 4/9/18 at 1:00 pm to PrivatePublic
Day isn’t over yet. 
This post was edited on 4/9/18 at 1:01 pm
Posted on 4/9/18 at 1:01 pm to Ross
amex takes that shite off my card usually before i hang up the phone with them 
AMEX GOAT
AMEX GOAT
Posted on 4/9/18 at 1:02 pm to Ross
5-7 business days maybe. Not too long.
Posted on 4/9/18 at 1:06 pm to Ross
Every time I've had that happen to me, it has been almost immediately.
The last one was pretty obvious though. I guess they figured there was no way I could be at McDonald's in BR, and buying a $1800 TV in South Carolina at the same time
The last one was pretty obvious though. I guess they figured there was no way I could be at McDonald's in BR, and buying a $1800 TV in South Carolina at the same time
Posted on 4/9/18 at 1:07 pm to Ross
Ah it sounded to me like you had started the dispute over the weekend. My bad.
Posted on 4/9/18 at 1:07 pm to Hammertime
quote:
last one was pretty obvious though. I guess they figured there was no way I could be at McDonald's in BR, and buying a $1800 TV in South Carolina at the same time
They must not know what a badass you ate on the highway...
Posted on 4/9/18 at 1:10 pm to Ross
quote:
it was a debit card that they used as credit
The dispute process will work like a credit card. Being that it's fraud, and you're bank has already conceded, they should be sending you the money with a few days.
You can't make debit purchases to my knowledge online.
What bank is it? WalMart has a direct account with the card associations and I imagine they have special handling for the bank to get their money back but in fraud cases, there's not any way around it.
Regardless, it shouldn't take more than a day or two.
Posted on 4/9/18 at 1:17 pm to Ross
I had this happen recently. They gave me a "provisional credit" for the charges within a day or two. About a week later, they sent me affidavits to sign for each charge, stating that they weren't mine. Then maybe a couple weeks after that I got mailed confirmation stating that I wasn't responsible for the charges, and that the provisional credits would remain in my account.
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