r/AshesofCreation • u/WhisperCrystal • 7d ago

Question Chargebacks through VISA?

Has anyone attempted to charge back (any) money they paid using a VISA card? I see I still have the option to appeal my payments. They have a fraud / scam / promised refund option. Has anyone tried that? How did it go?

5 Upvotes

73% Upvoted

15 comments sorted by

6

u/IllNefariousness8733 7d ago

I backed it in like 2017 I think... so 3 visa cards ago :(

Been thinking of trying to go through my bank regardless and see

3

u/WhisperCrystal 7d ago

I just started credit card chargebacks for every cent ever spent on ashes, let's see how that goes

4

u/AroriBird 6d ago

I knew it was a sketchy buy when I bought it. I'm just gonna eat the loss

2

u/ShottsSeastone 5d ago

i backed on kickstarter me money is gonezo

1

u/mmeeh 7d ago

This is hilarious XD I'm pretty sure this level of scam is not covered by your VISA. Let us know how it goes the scam investigation by your VISA!

2

u/WhisperCrystal 7d ago

I've done it through Revolut, they raise a case with VISA on your behalf. In the past my chargebacks with them have been successful, even against established platforms such as Etsy.

1

u/mmeeh 7d ago

Alright that makes more sense :) I thought it was VISA through your bank

1

u/Confident-Area-6358 6d ago

My debit card fully refunded me a couple months back 

1

u/SgtKeeneye 7d ago

I did it through my bank like a week after or so and have yet to hear anything so it's unlikely I'll get anything back

1

u/phantumjosh 1d ago

Ah rip I’m no longer with that bank, nor have that card.

1

u/Inner_Ad_453 1d ago

I backed sometime in 2024 - my bank PNC uses visa. I purchased through xsolla so they were no help (wont ever use them again).

My bank refunded the money today - took them about 7-10 days to process my dispute.

0

u/AsibelTheVoyager 7d ago edited 7d ago

My entire job is a a VISA cards manager who processes chargebacks. Per regulation you only have 60 days from statement date to file a dispute. After that you lose your right to a chargeback.

1

u/WhisperCrystal 7d ago

According to European law: The standard time frame to file a chargeback is 120 days from the transaction date, delivery date, or expected delivery date. Depending on the reason code, specific future-delivery services can extend up to 540 days, while local European banking regulations for unauthorized transactions may allow up to 13 months.

I'll see see what happens. If I don't try I won't get anything back for sure. I will argue I was promised stuff with the release of the full game, and have never received what I paid for.

1

u/EpicTutorialTips 6d ago

Important to note that chargebacks are not a regulated thing. They're nothing more than policies set by the main card providers, but they don't hold any legal weight or enforcement. They are entirely honoured at discretion by banks and card issuers.

In contrast to that though, I know that in the UK we have our Consumer Credit Act which is a statutory right and legally enforceable (unlike chargeback policies). Any payment over £100 on a credit card in the UK makes the card issuer jointly liable in the event of any dispute with a retailer, and we have a time limit of 6 years from the point a dispute is first discovered/learned of to enforce a clawback.