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oceanlovinmama

Think twice about a chargeback...

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Posted (edited)
35 minutes ago, weberman said:

Your rights under the Fair Credit Billing Act

You have 60 days to dispute a charge.

Here is everything you need to know.

 

https://www.creditcards.com/credit-card-news/fair-credit-billing-act-1282.php

I'm not sure if it is different for Canada but both my banks (MC and Visa) told me I had 119 days to dispute and the clock started the day services were meant to be received - in my case, the departure date of my cruise.

 

The link you provided is for disputing due to a mistake or unauthorised transaction. This is not the way to go about it in this case. You would be claiming for services not received and that needs to be spefically explained when contacting your bank!

Edited by ceilidh1
more info

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60 days from when we should have departed (19Apr) is 18Jun. In order to protect MY rights, I will need to contact the credit card company a few days before that. I will certainly be open and honest with them when I do contact them, including whether there is any movement on refunds by then.

 

But I will protect my rights. Me first, then the rest of you and the devil take the hindmost.

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2 hours ago, oceanlovinmama said:

As I said before, I think my clients should do what they have to do, BUT I think they and anyone could wait 90 days.  If at 90 days nothing, then by all means.  I had 2 cruise cancelled personally....I GET IT... All I was saying is that you should think about it.  I truly didn't think it would be this big of a deal.  I just thought that people who booked with a agent didn't know the ramifications, that maybe they would think twice, or wait a tad longer.  

 

 

Wait....didn't you say that the cruise line and your agency too should ban anyone who files a chargeback.....because......get this, it will interfere with your commission.

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1 hour ago, weberman said:

Your rights under the Fair Credit Billing Act

You have 60 days to dispute a charge.

Here is everything you need to know.

 

https://www.creditcards.com/credit-card-news/fair-credit-billing-act-1282.php

Not exactly recent information, nor is it relevant to a chargeback due to "services not received."  Depending on the card you generally can have up to 120 days or more to dispute.  When that clock starts can vary - could be from the date the cruise was cancelled, the date of the cruise, or possibly the date you did not receive your refund (ie, the 90 days that all of the cruiselines are stating).

AMEX handles disputes differently than Visa and MC, since they function as a bank.  Last I knew, Visa (effective April 1) is not accepting "services not received" as a valid chargeback reason unless the merchant was able to deliver the services but didn't.

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Posted (edited)
3 hours ago, oceanlovinmama said:

BUT I think they and anyone could wait 90 days.  

Over 30 million people have lost their jobs so far....in just two months, but thankfully we have you preaching from on high that anyone should be able to wait to get their money.  You should really just stop as you're giving the rest of the travel agents a bad name.  

Edited by BLK03GT

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I am at a loss for words.  What a despicable person to tell us what we should and should not do with our money because it is not in your best interest!  You have given travel agents a bad name with your ridiculous post.  I am so glad that I will never have the privilege of being your client!

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Posted (edited)
2 hours ago, ceilidh1 said:

I'm not sure if it is different for Canada but both my banks (MC and Visa) told me I had 119 days to dispute and the clock started the day services were meant to be received - in my case, the departure date of my cruise.

 

The link you provided is for disputing due to a mistake or unauthorised transaction. This is not the way to go about it in this case. You would be claiming for services not received and that needs to be spefically explained when contacting your bank!

 

You are correct.....the banks and credit card companies usually are very lenient in the number of days that they allow for a dispute.  Do not let the 60 day suggestion stop people.....it is not how most of the real world works.....probably another TA trying to discourage people from filing a dispute with their credit card company.

Edited by PrincessLuver

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25 minutes ago, PrincessLuver said:

 

You are correct.....the banks and credit card companies usually are very lenient in the number of days that they allow for a dispute.  Do not let the 60 day suggestion stop people.....it is not how most of the real world works.....probably another TA trying to discourage people from filing a dispute with their credit card company.

I should add that when I initially called my bank to inquire back in March (I was actually asking because I was concerned about Carnival refunding me, not Princess - ironic that Carnival came through within 30 days!) my question was "How long do I have to dispute a credit card transaction?" The agent (rightly) told me 60 days from the transaction date. However, when I called back a week ago and asked the question "How long do I have to dispute a transaction for services not received?" I got a very different answer. 119 days from date services should have been received. So, anyone planning on calling their bank - be specific in what you are asking! I was also surprised that both my credit card companies state that 15 days is a reasonable time to wait for the merchant to resolve the issue or provide a refund. Considering most of us have waited 60 days or more, I say we are all incredibly reasonable!

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12 hours ago, Hawaiiorbust2021 said:

As a first time cruiser, Who was due to leave on his first cruise on March 13 before princess cruise ships pulled the plug on the whole operation on March 12, I read all the posts here and my heart sinks.

 

Naturally, I was devastated like all of you and I almost felt like a family member and died the moment I got the news that I was not going on my cruise. I planned and saved and paid almost $10,000 for a 15 day Hawaii cruise for A family of four which took me over three years... It was supposed to be a make up honeymoon for our fifth anniversary because our wedding costs way too much for us to be able to afford a honeymoon at a time. All that planning, saving, working, dreaming... so much more went into my first cruise vacation than just money. I am by no means wealthy or even financially secure. I live paycheck to paycheck. Married with two kids, both of us have Full-time jobs. Me and my family probably went through and lost as much if not more than anyone here.


With all that said, I can’t believe people are treating their refund for their cruise like a bank account that won’t give them any money. $10,000 just to sail for 15 days and spend a single day each on four Hawaiian islands as well as a crummy last day in a crappy Mexican town...Seemed like money down the toilet just for a good time in the first place.
 

I read all of the plans that got canceled and all of the expectations you now have for your money and I ask myself...” I wonder if any of these people thought about their savings for emergency situations before they went and put their money into a cruise?” ...


...Sounds like the answer in most cases is that people broke the bank to go on vacation expecting money to be free-flowing. If princess cruises goes bankrupt, The fault will lie with people who spent their life savings on a cruise and now want it back to survive. I have never actually been on a cruise before but I know that when I throw my time, energy and money into something... follow through until the end is crucial. It makes no sense to not support princess cruises through this troubled time.
 

Like everyone else, I too have not received a refund. I did elect to leave my money with princess cruises and decided to rebook my cruise for next year. They offered a pretty sweet deal in cruise credit and despite the setback of The deposit required to be paid by cash or credit (more money out of my pocket), I decided to leave my money with the company and take my chances. I will not pay the deposit on the new cruise booking until they refund some of the money they claim they have to refund. In the meantime, they have been gracious about extending the deposit due date.
 

I was also told at first 30 days before a refund could be expected, only to be told after that had expired they would take up to 60 days. That deadline is almost up. I will most likely call and check the status if they have much of any as they have not really had much information before now. If nothing changes, I will request an extension on the deposit and sit back and wait longer.

 

If they file bankruptcy and go out of business, I will have lost a great deal of money, but I will not have sunk my life savings and my families future on a vacation...That’s just outright stupidity. Like having an emergency kit with nothing in it... Jumping out of a plane without a parachute... If you have kids like me, you just don’t take chances like that. I fully intended on never seeing that $10,000 again. I genuinely hope to get what I paid for but The way I see it, vacations are a gamble. A lot like going to a casino, you risk Certain amount of money in hopes of getting a exciting payout. Sometimes the money you wagered was well worth the risk. Other Times you walk away broke and upset. There are even times where you lose your money long before you ever even get to the casino, this might be one of those times. In any case you don’t go to Las Vegas with your rent money... So maybe you shouldn’t expect to feed your family on a credit card refund. Just saying!

 

I will hold onto the hope that I will one day be able to enjoy the paid vacation I have been planning for more than five years now. My confidence, sympathies, hopes and prayers are all with princess cruises as well as my money...Maybe we can all start hoping for the best otherwise we can all expect the worst. Either way, I planned my life to survive like only the Strong can... Cruise or no cruise, refund or bankruptcy... Life will go on for me.

Wow!!  Judgemental much??  And for a first-time cruiser at that.  Who are you to make assumptions about anyone's personal circumstances or how they paid for their cruise?!?!  Simply because someone has paid money on a cruise, has requested a refund for a cancelled trip AND that refund is not forthcoming within a REASONABLE period of time (NOT 60 or 90 or 120 days!!), and then chooses to exercise their rights to the return of those monies sooner through their credit card company, does not give you the right to cast unfounded aspersions.  I am so glad for you that you can throw away thousands of dollars and not care a bit.  Here's hoping you get just that!    

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On 5/16/2020 at 2:09 PM, ceilidh1 said:

We have the lowest death rate per capita in North America

 

 

Lower than New Brunswick's 0 deaths?   I'd double check the source of that info of the lowest death rate 😉 

 

 

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5 minutes ago, dns65 said:

 

Lower than New Brunswick's 0 deaths?   I'd double check the source of that info of the lowest death rate 😉 

 

 

PEI too....

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4 minutes ago, d9704011 said:

PEI too....

 

And Yukon Territory.  And NWT.  And Nunavut.  And since they said North America, and Greenland.  😉😉😉  
 

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6 minutes ago, dns65 said:

 

And Yukon Territory.  And NWT.  And Nunavut.  And since they said North America, and Greenland.  😉😉😉  
 

In fact, if we want to be accurate about death rates, we can look at Manitoba and Saskatchewan also. I suspect there are plenty of States that have a lower death rate than B.C.

 

But we digress.... I won’t be contacting my credit card folks for any chargebacks.  I’m prepared to wait.

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8 hours ago, oceanlovinmama said:

As I said before, I think my clients should do what they have to do, BUT I think they and anyone could wait 90 days.  If at 90 days nothing, then by all means.  I had 2 cruise cancelled personally....I GET IT... All I was saying is that you should think about it.  I truly didn't think it would be this big of a deal.  I just thought that people who booked with a agent didn't know the ramifications, that maybe they would think twice, or wait a tad longer.  

 

This is what I posted on (Over 60 days now)  here on this forum:

 

   On 5/14/2020 at 10:09 PM,  Ronnieslady said: 

My TA said when she called for me today, that it could take up to another 180 days for them to credit our credit card.  We chose option 2. Our sailing was March 13th.They have kept our 9 thousand long enough.

The TA also said Princess said to her, “ they hoped  that we would continue to be patient with this process.”   I really couldn’t believe it when I got off the phone with my TA.  I also started to wonder , as funny as it was , was that up to another 180 business days??  
Princess must think we are really idiots.
That was certainly what the deciding factor was for us to call AmExp  & not wait any longer.

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2 minutes ago, d9704011 said:

No dispute with Bloomberg;  the article says ‘one of the lowest’.  It does not say ‘the lowest’.

I guess you didn't read the headline/title?

Behind North America’s Lowest Death Rate: A Doctor Who Fought Ebola

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Posted (edited)
51 minutes ago, ceilidh1 said:

Fact:  A zero death rate is the lowest you can get.    She's taking flak online on Twitter and article comment sections for her factually incorrect statement.   

 

Anyways, sorry to hear about all the issues folks are having with refunds.  My May 10th sailing on the Sapphire was cancelled on Feb 15th and within 7 days I had full refund of the cruise, EZAir and prepaid excursions and gratuities.  It would take a handful of application developers a week to automate this refund process if Princess really wanted to expedite refunds for their customers.  Read into the situation whatever you'd like.... 

Edited by dns65

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Posted (edited)
1 hour ago, dns65 said:

Fact:  A zero death rate is the lowest you can get.    She's taking flak online on Twitter and article comment sections for her factually incorrect statement.   

 

Anyways, sorry to hear about all the issues folks are having with refunds.  My May 10th sailing on the Sapphire was cancelled on Feb 15th and within 7 days I had full refund of the cruise, EZAir and prepaid excursions and gratuities.  It would take a handful of application developers a week to automate this refund process if Princess really wanted to expedite refunds for their customers.  Read into the situation whatever you'd like.... 

Yes that was before the mess started.  I canceled 3 cruises on feb 5th and had all 3 refunds within 10 days.

No problem with those canceled in early to mid Feb.

 

Canceled 1 on March 8, still waiting 70 days later.

Edited by npcl

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6 hours ago, PrincessLuver said:

 

You are correct.....the banks and credit card companies usually are very lenient in the number of days that they allow for a dispute.  Do not let the 60 day suggestion stop people.....it is not how most of the real world works.....probably another TA trying to discourage people from filing a dispute with their credit card company.

If you bother to read the law, it lays out what your protection is under U.S. Federal law. It mentions your bank may give you more than 60 days but your Federal protection is as stated 60 days and that is to file a complaint with the Federal Trade Commission  It applies to the minimum a financial institution has to live by. It also applies to services NOT DELIVERED.

 

And, NO I am not another TA trying to discourage people from filing a dispute with their credit card company. Just trying to provide some information.

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12 hours ago, oceanlovinmama said:

  Your cruise is $7000 and I pay for it with your credit card, on your behalf, but you chargeback and get the whole $7000 and I'm out $2000 because our insurance only pays $5000 per claim IF it even will pay since this is a pandemic. 

 

So are you charging your clients directly and then only passing it on to Princess?  Is the reason you don't want people to charge back because they are essentially charging it back from YOU rather than Princess?  

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Job or no job... Everyone’s task at this point is survival. Friends and families should support each other and neighbors you should consider looking out for each other. Outside that, we have all been on our own from the very beginning of our lives. From my point of view, life made no sense to not plan for the worst and hope for the best. If you did not plan for the worst, it’s time to start looking to your family and friends for assistance. Odds are, no one really cares about you as much as your friends and family.

 

I stand by what I said before...Almost Anyone’s desperation at this point can be traced back to poor choices made by them. You can assign the remainder of blame Anyway you want but in the end, you are in control of your life. It’s not having sympathy for Princess cruises to ask each person to take a hard look at how they got to where they are and ask themselves “ did I really have the money to go on this cruise in the first place?” Life is full of choices and mistakes. Make good choices and learn from your mistakes.
 

I can think of 1000 different ways to spend the $10,000 differently then on this cruise...then why did I spend $10,000 on this cruise?...It was a choice I made and a choice I am sticking with. If the company goes bankrupt, if I die before I go, or more likely if I go and have a horrible time...No matter how you slice it up, money down the drain that I could probably find a better use for now given the current situation. I cannot base my families survival off of money I had originally planned on blowing. Best to look forward and figure out what you can personally do to better your situation rather than waiting around for a refund that may never come.

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On 5/16/2020 at 1:41 PM, oceanlovinmama said:

Cruiselines have been doing the best they can.  They didn’t realize that they would be shut down for so long and the amount of refunds requested.  Most of their employees are working from home and because of the levels of security that need to be in place to deal with credit cards, most cruise lines have a skeleton crew.  Now with the country opening back up that will change.  BUT when you work with an agent and do a chargeback, the cruise line can come back to the agent for that payment and any commission that was given to that agent, that was protected because the cruise line cancelled, Will now be recalled.  We work on commission only, and that money comes AFTER you travel.  We have had no income for the past two months and probably won’t for the rest of the year, now we have to give Our commission back AND possibly be on the hook for thousands of dollars we don’t have.  Please think about your agent!

Works in a similar manner when you return an item to Nordstrom.  The sales person that earned a commission when the sale was made then loses that commission.

Do you keep clothes that do not properly fit or that you decided you no longer want?

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I would guess if Princess does declare bankruptcy and you haven't received your money; you may be able to re coup your money through your travel insurance.  I would suspect you need to read the fine print; but some insurance policies cover bankruptcy.  

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2 minutes ago, AF-1 said:

I would guess if Princess does declare bankruptcy and you haven't received your money; you may be able to re coup your money through your travel insurance.  I would suspect you need to read the fine print; but some insurance policies cover bankruptcy.  

I looked into this. It doesn't cover bankruptcy reorganization, only out of business. And I received a refund on my travel insurance.

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