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Old 08-02-2012, 08:28 PM   #32
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Join Date: Aug 2007
Location: South Down Shores
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Originally Posted by wifi View Post
What I was trying to indicate, was that the bank said the "chargor" had to agree that the charge was fraudulent, otherwise, I needed to prove I didn't purchase the item or receive the service.
Your experience is very different than most peoples. I've filed a few claims over the years (mostly disputes for wrong charges, or over items that were received damaged/not as described). In every case my cards (Visa, MC, Amex) have given an immediate provisional credit. THEN they contact the merchant, who has to produce proof that my claim is without merit. In every case after about 6-8 weeks the provisional credit became permanent.

I've also been on the other end of this as a merchant, and can tell you that things are heavily biased in the card holders favor.

I'm not disputing what you experienced, but I do think that is very very atypical.
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