Jag fick ett avslagsklagom?l nonsens-brev fr?n Revolut ser ut som att n?sta steg ?r FOS!
Hej Paul,
Jag heter Elisabetta och ?r en klagom?lsanalytiker p? Revolut.
Tack f?r att du kontaktar oss. Vi ?r ledsna att h?ra att din erfarenhet av Revolut Ltd har resulterat i ett klagom?l.
Vi har tagit emot ditt klagom?l den 4 november 2024.
Jag har unders?kt problemet som har lett till ditt klagom?l och jag har samlat all information vi beh?ver f?r att ge dig v?rt slutliga svar.
Min roll i processen har varit att granska all tillg?nglig information f?r att f?resl? en l?mplig och r?ttvis l?sning p? den oro du har tagit upp. Det betyder att jag har analyserat f?ljande nyckelpunkter f?r att hantera ditt klagom?l:
Din oro
Ursprunget till fr?gan
?tg?rder som vi redan har vidtagit eller kommer att vidta f?r att ?tg?rda denna situation
Jag vill ocks? meddela att vi arbetar f?r att bli b?ttre d?r vi kan. Det ?r d?rf?r vi analyserar och delar alla relevanta kommentarer med de ber?rda teamen, vilket g?r det m?jligt f?r dem att f?rb?ttra v?ra produkter och tj?nster baserat p? din feedback. Vi menar det.
Sammanfattning av h?ndelser och f?rklaring
I ditt klagom?l uttryckte du missn?je med resultatet av din ?terbetalning. Eftersom du anser att webbplatsen och transaktionen inte ?r legitima, ber du oss att ?teruppta ditt ?rende och ompr?va v?rt beslut.
Jag beklagar det besv?r som denna situation orsakat och f?rst och fr?mst vill jag tacka dig f?r att du tog dig tid att uppm?rksamma oss p? dina fr?gor, s? att jag kan ta itu med och klarg?ra dem f?r dig.
Enligt v?ra uppgifter skickade du den 4 november 2024 in en ?terkrav f?r transaktionen nedan, efter att ha annullerats den 3 november 2024 p? grund av bristande information:
Datum och tid BeskrivningAmount2024-10-28 21:49:28Spaympf*skinsonly-990.00 GBP
Ditt krav p? ?terkrav avvisades dock samma dag, eftersom du informerades av v?rt ?terkravsteam om att vi inte har r?tt att bestrida transaktioner relaterade till hasardspelsajter.
I detta avseende kontaktade du v?rt supportteam via chatt den 4 november 2024 f?r att f? ytterligare f?rtydliganden om resultatet av din ?terbetalning och f?r att rapportera transaktionen i fr?ga som bedr?glig. I ljuset av den h?r nya uppdateringen f?rklarade den assisterande agenten hur man uppr?ttar en bedr?gerirapport. Beslutet om ingen ?terbetalning av v?rt ?terkravsteam bekr?ftades dock.
Efter att noggrant unders?ka situationen kan jag f?rs?kra dig om att informationen som tillhandah?lls av v?rt team ?r korrekt, och att r?tt tillv?gag?ngss?tt f?ljdes f?r att rapportera den bedr?gliga transaktionen. ?nd? f?rst?r jag fullst?ndigt din frustration och jag skulle vilja ta tillf?llet i akt att ge dig ytterligare information om denna fr?ga.
N?r det g?ller ?terkravsprocessen, l?t mig f?rtydliga att detta ramas in av en mycket detaljerad och konsekvent upps?ttning regler som omfattar alla m?jliga scenarion som r?r korttransaktioner. Dessa regler dikteras av Mastercard-kortsystemen, och b?de handlare och finansiella institutioner som Revolut ?r skyldiga att f?lja dem.
Revoluts prim?ra m?l vid hantering av s?dana f?rfr?gningar ?r att skydda dig och, vad det ?n kan ha h?nt med dina korttransaktioner, ligger det i v?rt b?sta intresse att f? det l?st till nytta f?r dig. Men samtidigt m?ste vi se till att ovann?mnda kortschemariktlinjer f?ljs under processen.
Du kan hitta mer information om ?terkravsprocessen i v?r bloggartikel:[ Vad ?r en ?terkrav och n?r ska jag anv?nda den? |https://www.revolut.com/blog/post/what-is-a-chargeback/]. Ytterligare information om ?rendet finns ocks? i v?rt hj?lpcenter och i f?ljande artiklar:
Bestrida en kortbetalning
Tvisteprocess och tidslinjer
Processen inkluderar i huvudsak tv? typer av anspr?k - bedr?geri eller tvist.
En tvist?terbetalning, som den du skickade in, ?r till?mplig f?r situationer d?r till exempel varor eller tj?nster inte tillhandah?lls; varor eller tj?nster tillhandah?lls, men de ?r inte enligt beskrivningen eller defekta; dubbletter eller flera avgifter f?r samma k?p; Uttagsautomaten l?mnade inte ut kontanterna varken helt eller delvis. I s?dana fall samlar v?rt ?terkravsteam in informationen som styrker ditt fall och presenterar den f?r handlaren och Mastercard d?r beslutet fattas efter utvecklingen av ?rendet.
En bedr?geri?terbetalning, ? andra sidan, ?r till?mplig i fall d?r en transaktion inte utf?rdes med ditt tillst?nd och informationen inte hade delats med handlaren i fr?ga. D?rf?r m?ste v?rt ?terkravsteam verifiera om villkoren f?r anspr?k p? bedr?geri?terbetalning ?r uppfyllda.
I ditt fall har v?rt ?terkravsteam, efter en noggrann och noggrann unders?kning, fastst?llt att vi inte har n?gra tvistr?ttigheter i det h?r fallet. Enligt kortschemareglerna som n?mns ovan kan vi inte bestrida transaktioner relaterade till v?rde som k?pts f?r spel, investeringar eller liknande ?ndam?l eller relaterade vinster, vinster eller f?rluster.
I got a rejection complaint nonsense letter from Revolut looks like next step is FOS !
Hi Paul,
My name is Elisabetta and I am a Complaints Analyst at Revolut.
Thank you for contacting us. We are sorry to learn that your experience with Revolut Ltd has resulted in a complaint.
We have received your complaint on the 4th of November 2024.
I have investigated the problem that has led to your complaint, and I have gathered all the information we need to provide you with our Final Response.
My role in the process has been to review all the information available to propose a suitable and fair solution to the concern you have raised. This means that I have analysed the following key points to address your complaint:
Your concern
Origin of the issue
Actions we have already taken or will take to address this situation
I would also like to let you know that we work to get better wherever we can. That’s why we analyse and share any relevant comments with the teams concerned, enabling them to improve our products and services based on your feedback. We mean it.
Summary of events and explanation
In your complaint, you expressed dissatisfaction about the outcome of your chargeback. Since you believe the website and the transaction are not legit, you are asking us to reopen your case and reconsider our decision.
I regret the inconvenience caused by this situation and, first of all, I would like to thank you for taking the time to bring your concerns to our attention, so I can address and clarify them for you.
According to our records, on the 4th of November 2024 you submitted a chargeback for the transaction below, after being initially cancelled on the 3rd on November 2024 for lack if information:
Date and time DescriptionAmount2024-10-28 21:49:28Spaympf*skinsonly-990.00 GBP
However, your chargeback claim was rejected on the same day, as you were informed by our chargeback team that we don’t have dispute rights for transactions related to gambling sites.
In this regard, you contacted our Support team via chat on the 4th of November 2024 to have further clarification on the outcome of your chargeback and to report the transaction in question as fraudulent. In light of this new update, the assisting agent explained how to raise a fraud report. However, the decision of no-refund of our chargeback team was confirmed.
Upon carefully examining the situation, I can reassure you that the information provided by our team is correct, and the correct course of action was subsequently followed to report the fraudulent transaction. Nonetheless, I completely understand your frustration and I would like to take this opportunity to provide you with some additional information on this matter.
In regards to the chargeback process, please allow me to clarify that this is framed by a very detailed and consistent set of rules which encompass every possible scenario relating to card transactions. These rules are dictated by the Mastercard card schemes, and both merchants and financial institutions like Revolut are obliged to adhere to them.
Revolut’s primary goal when handling such requests is to protect you and, whatever may have happened with your card transactions, it is in our best interest to have it resolved to benefit you. However, at the same time, we must ensure that the aforementioned card scheme guidelines are followed during the process.
You can find more information about the chargeback process in our Blog article:[ What is a chargeback and when should I use it? |https://www.revolut.com/blog/post/what-is-a-chargeback/]. Additional information on the matter are also available in our Help Centre and in the following articles:
Dispute a card payment
Dispute process and timelines
Essentially the process includes two types of claims - Fraud or Dispute.
A Dispute Chargeback, like the one you submitted, is applicable for situations where, for example, goods or services were not provided; goods or services were provided, but they are not as described or defective; duplicate or multiple charges for the same purchase; ATM did not dispense the cash either fully or partially. In such cases our chargeback team gathers the information proving your case and presents it to the merchant and Mastercard where, upon developments of the case, the decision is made.
A Fraud Chargeback, on the other hand, is applicable in cases where a transaction was not performed with your authorisation, and the details had not been shared with the merchant in question. Therefore, our chargeback team needs to verify if the conditions for fraud chargeback claims are met.
In your case, our chargeback team, after a thorough and careful investigation, determined that we have no dispute rights in this case. According to the card scheme rules mentioned above, we cannot dispute transactions related to value purchased for gambling, investment or similar purposes or any related winnings, gains or losses.
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