Complaint Review: U.S. Bank Credit Card -
U.S. Bank Credit Card Chargeback even though I had provided all backup and documentation for validity of charge
*Consumer Comment: It's a Part of the Risk to be in Business
I provide short term vacation rental studio and list my unit on Airbnb as well as Booking.com. When ever someone books through Booking.com I have to process the credit card myself. We do not have a check in counter to meet our guests and swipe their credit card upon arrival so I ask my guests to provide their ID and credit card (only last 4 digits showing) to verify that the names match (Reservation, ID and Credit card).
I then manually key in the charge and forward our guests check in insturctions with their own personal 4 digit code to enter the rental. One of my guests stayed for 2 nights in August. 3 months later she submits a chargeback to her credit card stating she knows nothing about the charge. I was notified that I needed to submit proof that this was a valid charge to dispute the chargeback.
I submitted the rerervations details with the terms, dates, rules, etc from the Booking.com site as well as a copy of her credit card and ID that she provided me. I even submitted additional correspondence that we had before and during her stay at my studio.
US Bank sided with her and therefore they took back the $390.00. Even IF there was a chance that someone stole the credit card and ID and made a reservation in that name I as a business should not be held liable for fraudulent use of a credit card card if I did my due diligence in verifying the information all matched.
US Bank should not deduct the balance from me. How can an online business survive if everyone can just charge what they want and then say they know nothing about it. There should be business protections built into the fees we pay for using the credit card processing in the first place. I could understand if I had not done due diligence in verifying the credit card, ID and name on reservation all matched.
This report was posted on Ripoff Report on 12/31/2019 11:02 AM and is a permanent record located here: https://www.ripoffreport.com/report/bank-credit-card/chargeback-even-i-provided-1489768. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
If you would like to see more Rip-off Reports on this company/individual, search here:
Advertisers above have met our
strict standards for business conduct.