Hej alle sammen,
Jeg ville virkelig sætte pris på nogle råd fra folk, der har erfaring med tilbagebetalinger eller ombudsmandssager.
Min sag involverer omkring 30 transaktioner foretaget via Apple Pay med 11 forskellige forhandlere. Senere, da jeg tjekkede transaktionsoplysningerne mere omhyggeligt, bemærkede jeg, at pengene fra alle disse transaktioner tilsyneladende var blevet sendt til den samme bankkonto.
Jeg rapporterede dette til min bank og anmodede om en tilbageførsel. Jeg forklarede, at da jeg godkendte betalingerne via Apple Pay, blev disse forhandlere ikke vist under godkendelsesprocessen, da betalingen så ud til at være for en anden tjeneste.
Jeg vil også gerne præcisere, at jeg aldrig har fortalt banken, at dette var relateret til et kasino, og jeg har aldrig nævnt hasardspil i min klage.
Banken svarede dog senere (efter 2 måneder) til Ombudsmanden og sagde, at jeg selv havde godkendt betalingerne, og at de derfor ikke havde iværksat en tilbageførsel, og at der ikke er noget klart bevis for fejlagtig MCC-opgørelse.
Ombudsmanden har nu meddelt mig, at de afventer mit endelige svar, før de træffer en afgørelse.
Min største bekymring er, at selvom transaktionerne optrådte under 11 forskellige forhandlere, ser det ud til, at pengene er blevet overført til en enkelt bankkonto.
Er dette normalt? Burde forskellige handlende normalt ikke have separate afregningskonti?
Kunne dette indikere betalingsaggregering eller hvidvaskning af transaktioner, og kunne dette styrke min sag?
Kan nogen også rådgive mig om, hvordan jeg skal reagere over for Ombudsmanden på nuværende tidspunkt? Har jeg stadig en realistisk chance for at vinde denne sag?
Ethvert råd ville blive meget værdsat. Tak.
Hi everyone,
I would really appreciate some advice from people who have experience with chargebacks or Ombudsman cases.
My case involves around 30 transactions made through Apple Pay with 11 different merchants. Later, when I checked the transaction details more carefully, I noticed that the funds from all these transactions appear to have been sent to the same bank account.
I reported this to my bank and requested a chargeback. I explained that when I authorized the payments through Apple Pay, these merchants did not appear during the authorization process, as the payment seemed to be for a different service.
I also want to clarify that I never told the bank that this was related to a casino, and I have never mentioned gambling in my complaint.
However, the bank later (After 2 months)responded to the Ombudsman stating that I authorized the payments myself and therefore they did not initiate a chargeback and is no clear evidence of MCC misprentation
The Ombudsman has now informed me that, they are waiting for my final reply before making a decision.
My main concern is that although the transactions appeared under 11 different merchants, the funds seem to have been transferred to a single bank account.
Is this normal? Shouldn’t different merchants normally have separate settlement accounts?
Could this indicate payment aggregation or transaction laundering, and could this strengthen my case?
Also, could anyone advise me on how I should respond to the Ombudsman at this stage? Do I still have any realistic chance of winning this case?
Any advice would be greatly appreciated. Thank you.
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