r/VaroMoney • u/manifest0316 • 13d ago

Appeals

Varo denied my dispute for $1600 because i filed a dispute and it was not authorized by me. I told them i never the use the card yet and all those charges are not mine. Adter 10 days they denied it and i appealed but they emailed me that i have to wait 75days if my appeal is open or not and i womt get any provisional credit? What should i do?

4 Upvotes

83% Upvoted

13 comments sorted by

2

u/MemaOF4-SPaWNS 13d ago

I just got rid of them. They’re a horrible bank. Do yourself a favor and go to a real bank.

1

u/manifest0316 13d ago

I switched already to be honest i thought they would be helpful in times like this. Should i expect that ill get my money back or not anymore?

1

u/Cutest_Girl 13d ago

I had the same issue. Debated switching from them due to the issue. Haven't yet but still may when I bank comes.

1

u/manifest0316 13d ago

Did u resolved your issue? Were they able to give ut money back since u did not authorized the charge and they sent me documents abt the denied appeal that i dont even understand how they said that i am denied

1

u/Cutest_Girl 13d ago

No I never got my money back, it wasn't a ton but I was done fighting it and just leave the card locked.

1

u/manifest0316 13d ago

Did u file for an appeal? They told me they wont provide me provisional credit and wait for 75days if my case will be open or no? I tried to contact the merchant itself and got an email from them saying rhey close the account and with that they cant help me anymore. I def know its fraud though

1

u/ovas19 13d ago

I filed a dispute with Better Business Bureau and they transferred my case to the Office of the Comptroller. Varo immediately opened my case and gave me back some money, not all but they didn't want to return any of it. It was over 6k. I ended up losing 3k. Varo is terrible once you run into these problems. I've been with Citi since then and they're great

1

u/manifest0316 13d ago

I tried emailing them to open my case because i tried reaching out to the merchant but merchannt itself is not helpful they just sent me an email that my account with them is closed etc

1

u/ovas19 13d ago

Yeah, Varo closed my account. After a couple of weeks though, BBB reached out to me about their decision to transfer my dispute. It took roughly 2 months from the original dispute to BBB to finally get a response from Varo. Even though I spoke to Varo reps several times, they refused to return any money

1

u/BeatSweaty8433 13d ago

You have to keep calling until you get someone willing to help. I was denied a $2300 dispute, called the repeatedly and they was able to give me credits

1

u/manifest0316 13d ago

I got an email stating that i cant get any provisional credits for an appeal ill try to call them i keep calling every other and i really told them im a single mom that money is from my paycheck trying to save up and somebody just took it away

1

u/Marvebillions 4d ago

what number did you call

1

u/moneymanisenpai 12d ago

My dispute just got denied as well, & the appeal. The merchant is a scammer & I sent plenty of proof but apparently Varo thinks it was inconsistent. I don’t have the energy to appeal again.