Application fee was $75. This was in NJ. I got accepted, asked some follow up questions, tried calling, etc, nobody responded to me after a week or so, so I was like fk this place I'll just live somewhere else. Come to find out they charged me $500 for like 'reneging' on the accepted apt? Can I charge this back on my card?

Also. I just discovered this charge now, and it was from a year ago. Not sure if my Visa will still be able to help with it.

Comments

nkyguy1988 t1_jedh2vl wrote on March 31, 2023 at 5:35 AM

A year ago, doubtful. It's usually 60 days for fraudulent activity and maybe up to 120 days max if it's a product quality issue.

blackhawktrip OP t1_jedhc6z wrote on March 31, 2023 at 5:38 AM

Fuck. Have another charge that is for $1k (around the same time that the rental company charged me), that is completely fraudulent and I have no idea who it's from.

I'm thinking giving the rental company a bad public review might coerce them into paying me back.

nkyguy1988 t1_jedhj32 wrote on March 31, 2023 at 5:40 AM

Paying an extra 500 to 1000 a month didn't make you stop and think something is wrong? To most people that would be a major red flag come bill paying time.

blackhawktrip OP t1_jedhm45 wrote on March 31, 2023 at 5:41 AM

It was for my Visa debit card. I just had a ballpark balance that I kept an eye on, didn't look too deeply at my statement. Lesson learned.

nkyguy1988 t1_jedhymp wrote on March 31, 2023 at 5:45 AM

Well, Visa is just a card payment network. You have to go to the card issuer (i.e. the bank) to dispute, or try to.

blackhawktrip OP t1_jefo3ir wrote on March 31, 2023 at 5:47 PM

I talked with my bank, Charles Schwab, and they asked me to provide more documentation. Basically what happened is I was approved but I never 'reserved' the apartment. The apt is charging me because they're saying that I 'reserved and then reneged'. I checked our email convos and this didn't happen. I'm guessing they'll claim that I 'reserved' the apartment over the phone or something.

Schiendelman t1_jeefif6 wrote on March 31, 2023 at 12:43 PM

Don’t use debit cards. You can’t charge back in many cases at all.

blackhawktrip OP t1_jefnx5k wrote on March 31, 2023 at 5:46 PM

Yes, lesson learned. Got a credit card recently.

thesingleplayerguy t1_jedqttg wrote on March 31, 2023 at 7:43 AM

1500 is not enough to catch your attention when it happened but it’s a problem now? Hmm…

[deleted] t1_jedmhbd wrote on March 31, 2023 at 6:43 AM

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