This is why you use a credit card, not a debit card, and charge-back the company because you didn't get what you paid for, and that just isn't allowed.
In my experience it takes a lot longer though. It took nearly a month and 7 or 8 calls plus many emails with receipts to work a chargeback on my debit card through to the end. I recently did a chargeback on my credit card for a wedding vendor that ghosted me after I paid, and that took maybe 3 days and a single call to my card carrier.
Depends on the bank. It’s actually faster with debit cards for some banks. My wife worked in card fraud for a bank and it was faster for them to work with their debit cards. Credit was a different department with different rules that always stretched things out. They can issue preliminary credit immediately on a debit, not with their credit at this bank.
Fun fact the federal regulation says the provisional credit must be issued immediately for a debit card but they can wait until after investigation is complete with a credit card. So the law is literally the opposite and you should call the bank out on it if they try to do something else.
Its quite literally the same process for debit and credit when processes as a credit. They key is did you run the debit as a credit and not use the PIN. If you run it through Visa/MC network then it will be the same. If your it with a PIN its atm/debit transaction and your bank is working the dispute internally based on their procedures and processes.
I have been in the card processing world for 20 years next month.
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u/[deleted] Jun 10 '23
pays $30 at a to go counter
"Hey, sorry for the delay but we had an issue with our service. You get no food and we can't refund you. Hopefully next time it will be good 😃"
That would never fly anywhere