What Can You Do if the Bank Closed Your Dispute?

At MyChargeBack we receive inquiries on a daily basis from scam victims who have opened on their own a service-related chargeback request at their bank, which then closed the dispute. They ask us to re-open or re-file their request, but sadly, at that point we can’t. Once your bank opens a dispute with a merchant, the merchant then has a fixed number of days to respond. If the bank then accepts the merchant’s version of events rather than yours, your case is closed and it cannot be resurrected.

That’s why consumers are always best advised to consult with a financial services firm like MyChargeBack before initiating any chargeback request of their own, especially when the merchant is an online scammer. We know the system. And we know the rules and regulations established by the charge card companies better than banks do, many of which have never even heard of a service-related chargeback. And when we explain it to them we speak the language that bankers do, which makes it easier for them to understand. That’s the critical value-added service we provide.

100% Effort

If, for any reason, we think your case is unwinnable we’ll tell you that right at the start and decline to accept it. We’re not in the business of wasting our time or giving you false hope. While we do win most cases we do agree to take, we can’t win every one of them. There are simply too many variables. Each transaction history is different, each bank is different, each merchant is different. So no, we can’t guarantee 100% success. What we do guarantee is 100% effort, and we provide that no matter how long a particular case may take.

That 100% effort also includes an appeal to the national banking ombudsman in the event the bank refuses to open a dispute on behalf of the client or if it violates charge card rules and regulations.

So Are There Any Other Options Left?

There are other types of services that a scam victim can contract to pursue the case further if a chargeback is rejected. That includes charge card transactions that were made more than 120 days beforehand, the traditional cut-off set by credit card companies for submitting chargeback requests.

In any event, MyChargeBack has a strategy available for every type of transaction and every type of consumer.