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Trusted Contributor
Posts: 1,034
Registered: ‎12-16-2011

Dispute a Charge so Credit Card Cancelled?

Hi everyone. OMG I have been dealing with this very difficult customer. Extremely difficult. To make a long story short, she says that she disputed a charge with her credit card and her card has been cancelled. Does that make sense? I've never had to dispute a charge so I don't know the procedure but is that routine? I know if you report fraud they will cancel your card and send you a new one. TIA 

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Respected Contributor
Posts: 4,781
Registered: ‎03-10-2010

Re: Dispute a Charge so Credit Card Cancelled?

Your card is not cancelled if you are disputing a charge.  The card company will try to have you work it out, they will put a hold on the charge but that doesn't effect the card.

 

 

Trusted Contributor
Posts: 1,842
Registered: ‎08-04-2013

Re: Dispute a Charge so Credit Card Cancelled?

Wonder if she has disputed many charges and the card company said no more.

I disputed a charge many years ago and it turned out I made the charge but the name of the store I bought from and the name on the credit card posting were different. Parent company type of thing. No my cc was not cancelled.

Respected Contributor
Posts: 2,430
Registered: ‎03-11-2010

Re: Dispute a Charge so Credit Card Cancelled?

maybe she thinks that if she cancels the card, you won't be able to collect.?

i feel sorry for you. i worked in customer service for years. Its never fun when you get a difficult or unreasonable customer. 

Honored Contributor
Posts: 18,415
Registered: ‎11-25-2011

Re: Dispute a Charge so Credit Card Cancelled?

Seems her angst should be towards the merchant, not the card.

Honored Contributor
Posts: 8,235
Registered: ‎03-09-2010

Re: Dispute a Charge so Credit Card Cancelled?

It sounds to me like she filed a fraudulent charge claim rather than a dispute claim.  If fraudulent use is suspected it would trigger closing the card and issuing a new one.

 

If you are in communication with the card issuer over the disputed charge I would suspect the disgruntled customer initiated the cancellation.

The eyes through which you see others may be the same as how they see you.
Honored Contributor
Posts: 10,056
Registered: ‎03-09-2010

Re: Dispute a Charge so Credit Card Cancelled?

They only time they cancel the card is for fraudulent charges but they do issue a new one right away.

 

Why is she giving you a hard time, don't you work for a museum?  She should be taking the issue up with the card company not you.

Honored Contributor
Posts: 12,295
Registered: ‎03-27-2010

Re: Dispute a Charge so Credit Card Cancelled?

Over many years, I have had a couple of disputed charges (disreputable merchants).  My credit card company has never been anything but accommodating and polite.  I never had to pay anything and should not have had to for services not rendered by the merchant.  It is difficult to imagine a cc company cancelling service when your patronage does nothing but make money for them.

Esteemed Contributor
Posts: 7,241
Registered: ‎03-11-2010

Re: Dispute a Charge so Credit Card Cancelled?

Had some disputes and misunderstanding but always handled in a timely and polite manner.  

Respected Contributor
Posts: 3,486
Registered: ‎03-09-2010

Re: Dispute a Charge so Credit Card Cancelled?

Given the scenario you've given, it has nothing to do with you and is the customer's problem. Nothing for you to wonder about or stress over.


'I refuse to engage in a battle of wits with an unarmed man'.......Unknown

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