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

Reply to comment by nkyguy1988 in Charged $500 after getting accepted for an apartment and then choosing to live somewhere else by blackhawktrip

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.