Got an email back from pixeleum after chasing them up, they've asked for the usual statements and bank card details. Anyone any success with them? They are me biggest merchant.
"We have carefully reviewed all the documentation provided, and can understand your frustration and concern of being unable to resolve this problem. We note from your documents that you deposited to online casinos but the merchant using wrong code to bypass laws. However, as credit cards are a guaranteed mode of payment and as you gave your authority to the merchant for your [CC COMPANY] account to be charged, it is with regret to inform you that [CC COMPANY] is unable to assist."
this is after I requested a dispute/chargeback under Visa 12.7
The guy on the phone said I knowingly authorised it, my point back to him was okay, but I didn’t know whether it would be approved or not because if the correct MCC code was used, it would have been blocked.
we ended up going round in circles so I made a subject access request to see the info I provided them with with the intention of resubmitting. But you think to make a complaint instead?
Jeg fremsatte en påstand om, at jeg ikke genkender disse debiteringer med forkert MCC. Jeg formoder, at når de bekræfter, at jeg har godkendt det, vil jeg være i samme situation som dig.
Makes no sense because it gives the merchant leeway to process it in a misleading way to bypass restrictions but as consumers we are strictly held to everything. It absolutely stinks.
If you are getting nowhere the complaint gets the ball rolling state the money would be recovered easily if they were raised etc etc you can see no reason for them not being raised the chargeback team cannot do it for you it needs to escalate to chargeback complaints
Thanks for this, your help is very much appreciated.
Phoned them up and said I’d like to complain. They asked why and I told them, advisor said 12 codes are usually used by fraud. Said he wouldn’t raise a complaint but he would just refund the charges from the CC company’s funds.
Worth bearing in mind with this CC it was low three figures so not sure I’d be so lucky if it were more.
Ok great result ! yes its easier for them to back down especially if a small amount but also for large amounts as they could potentially have to pay it back themselves