Credit Card Dispute

[Anonymous]

I'm not sure if this is the correct forum for this, so please move if appropriate.  I had a duplicate charge on my Chase Freedom card.  Both charges were on the same statement, one day apart, so to me it looks clear as day.  I was charged through the streaming service website for Britbox (not sure if I'm allowed to mention the name here)  and also through their app.  The first charge through the app says Roku Britbox and the charge through the website says Britbox US.  

I first signed up on the website but couldn't access content in the app and it forced me to sign up again. I immediately contacted their support email saying I didn't want to be charged twice ($69.99 for a year) and to please remove any duplicate subscriptions.  I was within a 7 day free trial on the website at the time. After multiple emails I got nowhere and finally disputed with Chase.

I included all the emails asking them to remove the duplicate charge as well as any duplicate subscriptions, in my backup to Chase.  So I just got a letter from Chase saying they see no billing error.  I am fuming.  And tempted to @ both of them on social meda.  But I thought I would ask here first if there is any recourse after having a credit card dispute refused.

Thank you!

[FinStar]

What reason(s) did they cite for not honoring the dispute @Anonymous?

I would try escalating the dispute issue given you have provided them with supporting documentation. So, ask to speak to a supervisor or escalate as needed. Social media can be another viable solution through Twitter, for instance.

When that fails, perhaps the EO can be leveraged if you have exhausted all other means to resolve the issue.

[RobertEG]

Was your dispute under the Fair Credit Reporting Act, FCRA 611, which relates only to the accuracy of credit reporting, or was it a dispute under Fair Credit Billing Act, FCBA 161, which relates to correction of billing errors on revolving accounts?

They are very differenct processes with different requirements.....

[Anonymous]

@RobertEG Would you mind giving a brief overview of FCBA 161?

I always learn so much from your posts. Thank you for contributing.

[RobertEG]

The FTC provides a brief summary of the FCBA dispute process at:
https://www.consumer.ftc.gov/articles/0219-disputing-credit-card-charges

The actual statute defining the FCBA dispute process is located at FCBA 161.

[Anonymous]

@RobertEG Good stuff, as always! Thanks! Now I see why they are touchy about over payments.