How to Request a Bank Chargeback on Fliff: A Step-by-Step Guide

How Bank Chargeback work and what that means for you. In this article we want to dig a bit deeper into topic of chargebacks and how those might be applied on Fliff Sports Picks.

We need to mention that this is NOT official documentation, but just something we gathered information from various discord channels and Fliff Reddit. Some of the information might be correct while other don’t. If you have any further questions you can reach to Fliff Support.

Recently one of the users asked following on Reddit:

Understanding Chargebacks

A chargeback is essentially a refund that returns money to a payment card after a disputed transaction. It is not the same as a voided charge, which is never fully authorized for settlement. Chargebacks apply to fully processed and settled charges and involve an electronic process that may take several days to complete.

When to Ask for a Chargeback

Here, we delve into three primary reasons players opt for chargebacks:

1. Service Not Provided

  • This is a straightforward scenario where the expected service is not delivered. For instance, if you deposit funds at Fliff Sports Picks but are unable to engage in any sports betting activities or access sports events, it’s a clear case of service not being provided.
  • Note: Disputes may arise when sportsbooks ban players, especially those who have previously self-excluded at another platform under the same gaming license. While sportsbooks argue they’re not obliged to refund deposits, some banks and credit card issuers may view this differently. In most cases, you should receive your deposit back if you cannot utilize the service as intended.

2. Events Were Fraudulent

  • If you suspect that the sports events you wagered on were rigged or unfair, you have grounds for a chargeback. To avoid such issues, it’s crucial to choose reputable sportsbooks that employ third-party regulators and auditors to ensure event fairness.
  • For example, the UK Gambling Commission mandates frequent event integrity checks, ensuring that events are unbiased and transparent. If you encounter fraudulent events, you have a legitimate basis for a chargeback. However, proving event unfairness typically requires access to event data, which is often impossible for players.
  • Fraudulent events are more likely to occur in unlicensed sportsbooks, primarily in regions like Russia, Costa Rica, and Panama. It’s essential to verify a sportsbook’s licensing status by checking their website’s footer section. If licensing information is absent, it’s a warning sign of potential illegal operation.

3. Unauthorized Payments

  • Occasionally, players file chargebacks by claiming they did not authorize payments appearing on their bank or credit card statements. To minimize fraudulent claims, most online sportsbooks, including Fliff Sports Picks, require users to provide government-issued IDs and proof of address when registering an account.
  • If your card was used fraudulently, it may be challenging to prove that you did not authorize the transaction. Credit cards often provide an added layer of protection, obliging providers to refund unauthorized transactions. However, note that some regions, like the UK, prohibit credit card use for online sports betting.

What to Expect When Requesting a Chargeback

  • Initiating a chargeback involves several steps, and the process may vary depending on your bank or credit card provider. Here’s a general overview:

Bank Review: Your bank will assess your eligibility for a chargeback. If deemed eligible, a temporary refund may be issued. However, if your chargeback is denied later, the refunded amount will be deducted from your account.

Bank Notice to Issuer: Your bank will send a notice to the company you’re charging back, such as Fliff Sports Picks. The company’s financial team will prepare documentation to dispute the charge.

Back and Forth: If the sportsbook disputes the chargeback, a back-and-forth process ensues. Your bank may request additional information from both you and the sportsbook, and this process can take time, usually 30 to 90 days.

Potential Issues You May Encounter

  • While legitimate chargebacks are valid, there are potential issues to consider:

Banned from Sportsbooks: Filing a chargeback with Fliff Sports Picks may result in being banned from the platform. Some sportsbooks also share banned player lists, affecting your access to other sportsbooks under the same license or gambling group.

Criminal Charges: Deliberate filing of fraudulent chargebacks can lead to criminal charges, although this is rare and often used as a deterrent.

Blocked Bank Account: Some banks may close your account if you have a successful chargeback. However, this is usually reserved for fraudulent requests.

Sportsbook Pursues You: In cases of significant chargebacks, sportsbooks may choose to dispute the refund, potentially leading to legal action.

Chargebacks are a serious matter, and they should only be pursued when you have valid reasons. It’s essential to weigh the potential consequences carefully and follow the correct dispute resolution procedures. Remember to bet responsibly and ethically.

Disputing a chargeback can be a complex process, often requiring communication with customer service and the provision of evidence. In cases of fraud, banks are usually supportive in issuing chargebacks. However, some disputes may be resolved more effectively by contacting the merchant directly.

Disputing charges with your bank or credit card company can have consequences, such as temporary account holds and potential impacts on credit scores. It’s crucial to carefully consider whether a dispute is warranted before taking action.

Chargeback Processing

The chargeback process can be initiated by either the merchant or the cardholder’s bank. When initiated by the merchant, it involves transferring funds from the merchant’s account to the cardholder’s account through various banking entities.

Who Pays for a Chargeback

If the issuing bank initiates a chargeback, it manages the process and may also send the claim to a collection department, absorbing the costs while investigating and resolving the issue. Merchant acquiring banks generally charge fees for chargeback transactions, outlined in merchant account agreements.

How Do You Do a Chargeback on PayPal?

PayPal has its dispute resolution process, but buyers can also file chargebacks through their card issuers. The exact process is determined by the card issuer, but sellers have an opportunity to dispute the chargeback through PayPal.

How Long Do I Have to Ask for a Chargeback?

The chargeback period depends on the payment processor but often ranges from 60 to 120 days. The Fair Credit Billing Act allows chargebacks within 60 days of the billing date.

How Do You Fight a Chargeback?

When a customer initiates a chargeback, merchants typically have around 30 days to respond. During this period, merchants can provide signed receipts, contracts, or other documentation to dispute the chargeback’s validity.

Consequences of Disputing a Charge

Disputing charges with your bank or credit card company can have consequences, such as temporary account holds and potential impacts on credit scores. It’s crucial to carefully consider whether a dispute is warranted before taking action.

In conclusion, while chargebacks can provide a mechanism to resolve transaction disputes, they should be used judiciously and with a full understanding of the potential consequences, especially when engaging with platforms like Fliff.

Frequently Asked Questions

What is a chargeback, and how does it work on Fliff?

A chargeback is a refund issued to your payment card when you dispute a transaction on Fliff. It can happen on both debit and credit cards. When you request a chargeback, the disputed amount is returned to your account.

Who can initiate the chargeback process on Fliff?

Both the merchant (Fliff) and your card’s issuing bank can initiate the chargeback process.

Is there a time limit for requesting a chargeback on Fliff?

Yes, there is typically a time limit for requesting a chargeback, which can range from 60 to 120 days from the billing date, depending on the payment processor.

Can I dispute a chargeback on Fliff if I believe it’s in error?

Yes, you can dispute a chargeback if you believe it was made in error. This may involve providing evidence like receipts or transaction records.

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