Author Topic: VISA denying chargebacks if merchant canceled service due to COVID-19  (Read 591 times)

Offline Menachem613

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I paid for a Pesach program with a Chase Visa card and initiated a chargeback because the merchant was only offering a 65% refund. My claim was denied because VISA's policy is that government regulation overides existing polices, so if a program could not open due to COVID-19 it's not considered their fault.

Does anyone have ideas on how to respond to this other than sue the merchant?

Offline Afrages6

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Do you have a signed contract with the program?

Offline Menachem613

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Do you have a signed contract with the program?

Yes, but why is that relevant other than in a lawsuit?

Offline CountValentine

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I can see Visa not wanting to get in the middle of all this.
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Offline Afrages6

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Yes, but why is that relevant other than in a lawsuit?
That could be why visa isnít getting involved. They donít want to be the ones litigating contract law.

Offline S209

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I paid for a Pesach program with a Chase Visa card and initiated a chargeback because the merchant was only offering a 65% refund. My claim was denied because VISA's policy is that government regulation overides existing polices, so if a program could not open due to COVID-19 it's not considered their fault.

Does anyone have ideas on how to respond to this other than sue the merchant?
Sounds like they are agreeing to the concept of Makas Medina.. this should also be posted in the schools thread
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Offline Menachem613

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That could be why visa isnít getting involved. They donít want to be the ones litigating contract law.

Nope. There's no dispute on the facts. VISA is making a broad policy that if a merchant cannot deliver due to a government regulation, the risk of loss passes to the buyer/recipient.