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At a loss with being over charged

  • 04-12-2017 3:55pm
    #1
    Iseedeadpixels
    Registered Users, Registered Users 2 Posts: 5,087 ✭✭✭


    Hoping you can help me, I had a monthly payment of 9.99 taken from my account by microsoft via my visa debit card, last month they took 5 payments instead of 1! I have contacted them and they are really dragging their heels with this and I am sick and tired of dealing with them, can BOI do some sort of a charge back? Thats 39.96 that is not owed to microsoft and I can prove this with emails and a obvious look at my account.

    Any help appreciated.
    Mick.


Comments

  • #2
    Bank of Ireland: Sarah
    Closed Accounts Posts: 1,640 ✭✭✭Bank of Ireland: Sarah


    Iseedeadpixels wrote: »
    Hoping you can help me, I had a monthly payment of 9.99 taken from my account by microsoft via my visa debit card, last month they took 5 payments instead of 1! I have contacted them and they are really dragging their heels with this and I am sick and tired of dealing with them, can BOI do some sort of a charge back? Thats 39.96 that is not owed to microsoft and I can prove this with emails and a obvious look at my account.

    Any help appreciated.
    Mick.


    Hi Mick,

    Thanks for getting in touch with us on Boards.

    Yes you can request a chargeback in relation to these amounts. Please fill in the form at this link to request a refund and our Chargeback team will look into this for you. Please let us know if we can help with any other query.

    Thanks,
    Sarah


  • #3
    Iseedeadpixels
    Registered Users, Registered Users 2 Posts: 5,087 ✭✭✭Iseedeadpixels


    Bank of Ireland: Sarah wrote: »
    Hi Mick,

    Thanks for getting in touch with us on Boards.

    Yes you can request a chargeback in relation to these amounts. Please fill in the form at this link to request a refund and our Chargeback team will look into this for you. Please let us know if we can help with any other query.

    Thanks,
    Sarah

    Thank you.


  • #4
    Iseedeadpixels
    Registered Users, Registered Users 2 Posts: 5,087 ✭✭✭Iseedeadpixels


    Can I email it?


  • #5
    Bank of Ireland: Sarah
    Closed Accounts Posts: 1,640 ✭✭✭Bank of Ireland: Sarah


    Iseedeadpixels wrote: »
    Can I email it?


    Hi Mick,

    The form needs to be posted to the address that's included on the form.

    Thanks,
    Sarah


  • #6
    Iseedeadpixels
    Registered Users, Registered Users 2 Posts: 5,087 ✭✭✭Iseedeadpixels


    Hi

    Forgot to ask how long the process takes, letter should have arrived Friday.

    Thanks


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  • #7
    Bank of Ireland: Jane
    Closed Accounts Posts: 266 ✭✭Bank of Ireland: Jane


    Iseedeadpixels wrote: »
    Hi

    Forgot to ask how long the process takes, letter should have arrived Friday.

    Thanks
    Hi Mick,

    thanks for getting back to us.

    A dispute can take up to 45 calendar days to be resolved after which we will be in touch in writing. This can be extended depending on the retailers response.

    If you wish to query this in the meantime you can send a message through your 365 online account by choosing ' Ask a Question', on the Service desk. An advisor will be able to check this for you.



    Please let us know if we can help with anything else,
    Thanks again, Jane


  • #8
    Iseedeadpixels
    Registered Users, Registered Users 2 Posts: 5,087 ✭✭✭Iseedeadpixels


    Can you help me find out if there has been a update to this?


  • #9
    Bank of Ireland: Darren
    Closed Accounts Posts: 991 ✭✭✭Bank of Ireland: Darren


    Iseedeadpixels wrote: »
    Can you help me find out if there has been a update to this?

    Thanks for getting back in touch with us here. I'd ask you to raise this through the "Ask a question" section within the "Service Desk" tab of your 365 online profile and the advisers there will be more than happy to have a look into your charge back request.

    Thanks again,
    Darren.


  • #10
    Iseedeadpixels
    Registered Users, Registered Users 2 Posts: 5,087 ✭✭✭Iseedeadpixels


    Bank of Ireland: Darren wrote: »
    Iseedeadpixels wrote: »
    Can you help me find out if there has been a update to this?

    Thanks for getting back in touch with us here. I'd ask you to raise this through the "Ask a question" section within the "Service Desk" tab of your 365 online profile and the advisers there will be more than happy to have a look into your charge back request.

    Thanks again,
    Darren.
    Cheers


  • #11
    kumate_champ07
    Closed Accounts Posts: 7,150 ✭✭✭kumate_champ07


    why do you need you hold onto the money for 45 days, isnt their an electronic record? why does it need to be processed thru snail mail?


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  • #12
    Bank of Ireland: Tara
    Closed Accounts Posts: 2,346 ✭✭✭Bank of Ireland: Tara


    kumate_champ07 wrote: »
    why do you need you hold onto the money for 45 days, isnt their an electronic record? why does it need to be processed thru snail mail?


    Hi kumate_champ07,

    The funds are with the retailer and are not being held by the bank. The chargeback process can take up to 45 days.

    Thanks,
    Tara


  • #13
    Iseedeadpixels
    Registered Users, Registered Users 2 Posts: 5,087 ✭✭✭Iseedeadpixels


    Logged this on Thursday and no update


  • #14
    kumate_champ07
    Closed Accounts Posts: 7,150 ✭✭✭kumate_champ07


    Bank of Ireland: Tara wrote: »
    kumate_champ07 wrote: »
    why do you need you hold onto the money for 45 days, isnt their an electronic record? why does it need to be processed thru snail mail?


    Hi kumate_champ07,

    The funds are with the retailer and are not being held by the bank. The chargeback process can take up to 45 days.

    Thanks,
    Tara
    the funds are not with the retailer unless its in the form of cash. when its cash they can do an immediate refund

    is the retailer waiting on a physical form from your bank sent via mail?


  • #15
    Bank of Ireland: Tara
    Closed Accounts Posts: 2,346 ✭✭✭Bank of Ireland: Tara


    Hi again kumate_champ07,

    Once the retailer has processed a card payment, the funds are debited from the customer's account and are credited to the retailer's account. If you have a query in relation to a chargeback you've requested, you can send a Ask a Question message or call customer services on 0818365365 to request an update.

    Thanks
    Tara


  • #16
    Iseedeadpixels
    Registered Users, Registered Users 2 Posts: 5,087 ✭✭✭Iseedeadpixels


    Bank of Ireland: Tara wrote: »
    Hi again kumate_champ07,

    Once the retailer has processed a card payment, the funds are debited from the customer's account and are credited to the retailer's account. If you have a query in relation to a chargeback you've requested, you can send a Ask a Question message or call customer services on 0818365365 to request an update.

    Thanks
    Tara
    Dont mind him! I said I logged this on thursday and still nothing.


  • #17
    Bank of Ireland: Tara
    Closed Accounts Posts: 2,346 ✭✭✭Bank of Ireland: Tara


    Iseedeadpixels wrote: »
    Dont mind him! I said I logged this on thursday and still nothing.


    Hi there,

    Please be assured, as soon as the team have an update from chargebacks they will get back to you.

    Thanks
    Tara


  • #18
    kumate_champ07
    Closed Accounts Posts: 7,150 ✭✭✭kumate_champ07


    kumate_champ07 wrote: »
    is the retailer waiting on a physical form from your bank sent via mail?
    you've ignored this question, are you telling me  i need to make a phone call to have this question answered? id just like to know why the customer cant do a charge back using modern online banking, why is it technically necessary to use paper and mail


  • #19
    Iseedeadpixels
    Registered Users, Registered Users 2 Posts: 5,087 ✭✭✭Iseedeadpixels


    Bank of Ireland: Tara wrote: »
    Iseedeadpixels wrote: »
    Dont mind him! I said I logged this on thursday and still nothing.


    Hi there,

    Please be assured, as soon as the team have an update from chargebacks they will get back to you.

    Thanks
    Tara
    That came through today, thanks for all your help :)


  • #20
    Bank of Ireland: Jane
    Closed Accounts Posts: 266 ✭✭Bank of Ireland: Jane


    kumate_champ07 wrote: »
    kumate_champ07 wrote: »
    is the retailer waiting on a physical form from your bank sent via mail?
    you've ignored this question, are you telling me  i need to make a phone call to have this question answered? id just like to know why the customer cant do a charge back using modern online banking, why is it technically necessary to use paper and mail

    Hi kumate_champ07,

    Thanks for coming back to us here.

    Just to clarify, if you have already raised a chargeback with us, and wish to follow up the option to call us or send a message on 365 online is available to you.

    While we will always try and assist as much as we can here, we cant comment on the ways a procedure is carried out.

    Thanks again for your post,
    Jane.


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