• Casino онлайн
• Chargeback vavada

Merchant Dispute Guide - Nevada State Treasurer's Office

As advancements in technology rise, so does the potential for fraud. Greater Nevada Credit Union constantly monitors for unusual and suspicious activity on behalf of our members, but understanding how you can proactively identify fraud and how to appropriately escalate questionable activity is important, too. Get started with our Fraud and Disputes Resolution Center to educate yourself on fraud prevention, understand how GNCU protects your accounts, learn how to dispute account activity, and more. Whether you want to dispute a transaction that happened in error or a fraudulent purchase on your card, it's important to begin the reporting process as soon as possible.

Chargebacks and Employee Pay Deductions in Your Organization

Start by reviewing our various forms below and choose the one that best fits your scenario. Upon completing the form, either drop it off at your local Greater Nevada branch or email it to us at alertfraud@ For all other disputes, or if you have any questions or comments, please feel free to call our fraud hotline at (775) 334-8635, Monday through Friday, AM - PM.

If your personal debit card or credit card is lost or stolen, please call GNCU immediately at (866) 446-6805 to block and reissue your card. If you have lost or stolen checks, please call GNCU at (775) 334-8635, Monday through Friday, AM - PM, to stop payments and prevent fraud. If you need to stop a payment that is not fraud related, click here to watch our tutorial and learn how. If you think that any of your account information is compromised, please call GNCU at (775) 334-8635, Monday through Friday, AM - PM, to place a block on your account.

You've been working hard and it's finally time for that hard-earned trip out of town. Spare yourself the possibility of having your GNCU Visa debit card frozen due to unexpected activity by taking advantage of the GNCU Cards app's travel notices to notify GNCU when going out of town! If you are unable to use the GNCU Cards app, you can also contact a Member Services Representative at (800) 421-6674 to notify GNCU of your travel plans. For better or worse, travelers are turning to a last-ditch tactic to resolve their disagreements with airlines, car-rental companies or hotels: instigating credit-card disputes. A chargeback voids a credit-card transaction by withdrawing funds that were previously deposited into a merchant's bank account and applying credit back to your card. And even though experts caution against using this tack because you don't enjoy a vacation or disagree with an unfair policy, the odds are in your favor. Consider what happened to Edward Margolis, a Indianapolis financial consultant who called off his plans to fly from Tel Aviv to Las Vegas earlier this year.

Chargerback LinkedIn

An airline agent assured him that since he'd canceled his ticket within 24 hours he would "very likely" receive a refund, he says. When he didn't, Margolis contacted me and called his credit-card company to reverse the payment. Under the Fair Credit Billing Act, you can dispute a charge for goods and services you didn't accept or that weren't delivered as agreed upon.

If your bank sides with you, the money is almost instantly refunded. The travel industry's chargeback rate is more than twice the average of other industries, according to a working paper published earlier this year by the Federal Reserve Bank of Kansas City.   Travel also has the highest-value disputes - an average of about $18.  

Disputes in the next-highest category, department stores, average roughly $8. Your chances of succeeding in a travel-related dispute are better than average.

The industry-wide "win" rate for merchants is only about 41 percent, according to the latest Cyber Source benchmarking report. But since the top dispute category in travel is "card not present" - which means you didn't swipe your credit card but made a charge by phone or online - your odds may be even better. Banks tend to favor customers in a disagreement when a card isn't physically present.

Contact Chargerback

"High levels of fraud within travel can be found especially online," says Nick Clements, a banker-turned-consumer advocate and founder of the money management website Magnify Websites offering hotel deals, vacation packages and cruise tours can be dispute free-for-alls. When Seth Elsen checked out of a La Quinta Inn and Suites, he found a $250 "cleaning" charge on his bill. "I talked with an assistant manager and was told that it was a smoking charge," says Elsen, a program manager for a Seattle nonprofit organization. Elsen doesn't smoke, but the negotiations to remove the fee quickly stalled. He turned to me for help and simultaneously asked his credit-card company to reverse the charges. After I spoke with the hotel, it agreed not to fight the dispute and he received a $250 refund. In Margolis's case, I contacted American Airlines to ask about his complaint, but his refund was already in progress.

Chargebacks are generally thought of as a last resort. There's a reason for that, says Monica Eaton-Cardone, the co-founder of e Consumer Services, a company dedicated to resolving transaction disputes between merchants and cardholders.