BEA 120127 - DCC Chargeback Form-1

7/30/2019 BEA 120127 - DCC Chargeback Form-1

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! - 1did nol s1gn for the elbovE:' t r J n s . . J c t i o n : ! i ~ 1only Juthonsethn.1 : ~ i ' ' > f ' -'f1-Kt'i proct ct payrnt:-:tt :-*'A 1- tJ.ol 1 ~ . t ~ r ; . \ _ , ; ; i i ' \ ~ . !" h1 ~ ! t ' c l : f . a : ~ " ' l

._ tl'klve rM:Jt re(efved the rnerchdndrse orde-red on d t l l e J w.llt e x p ~ t . t e d d ~ ! i . . . - . , . r v on :) b\' t d a t e ~ up to the Vote of t l 1 ~transact-on dtsputtt tOJm { f ' l ~ a s e ~ t t a c h copy ol thf' ord!:'r 1o'll1f1 ~ ' - ' : f i H t l Q I $ : ~ ; : , l - ;'IE .# ;t:: A{,""', .*: ~ , I 1 1 - - . ---- ..- . ,:ltl , ~ T t = ~ " " . lfii . . , t"Jj

r I h.lve nuthc.>rwd thP ;,buvP mPrf'hanlfo;,) 10 d ~ f t f C J .. my rr .drt r ;mf .trtr from ~ t l E 'mPrct;ar.r)

t U t 1 t r l : : . i i ' : : , t : i o ~ J . . : $ ~ - , . o ~ J T - I ; : ~ ~ ( " " - 4 It$) . '< : ' ~ : \ f i f . ; : : i j . : : . r ; . : , . - ~ , J f - \ t i ! ' r P l ~ l ~ ~ ~ ~ ~:: t.tfF : . J I ' l ~ f ! " ' 1 . .i,iJ. ~ ...sW""-..LI"-NLJ ~ . J , . _ Cu6 #:E !JC.'t (Mi)f> :5() 4 -'"'Please delete I I ' ~ i ,cpprop.P;tJre ~ M * . c ; . ; ~ ~ 5 e . E . , ' \ ~ K ~ M ~ I J T I

Dispute transaction: Please choose option (1) or (2) and tlUIIlii1 :$:ITIIHlJ!l'!l!l!(1) illtl!l

(1) I dispute th e validtty of the transaction(s) listed above and agree to set1le the correspondit1g amount first .: $ : A ~ ~ ~ R 8 ~ K ~ t t a ~ ~ - ~ ~ - ~ H ~ ~ ~ U ~ ~ g_ (2) t diJpUU the validity of th v transact1on(s) listed above and request the correspondtng amount to be withheld . I agreeto pay th e Bank th e disputed amount together with the interest and fees /cha tges (if any) on the disputed amount overth e period from the date of the respective transaction(s) unti l full payment of th e disputed amount is made in the eventthat I am liable for wc h transa r l ' ~ ~ ~ wll ~ , . . , , 11 1 )'Oi r w lh q 'wNkl l lil dav-.J.i A \'1'\all'jPh-.lt: . "'olnl1!if'K} fpp ol Hl(f) 1 (nr (NY! c;o:w ' 1 ,,. f"\ltf'li ' 1' 1


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Attachment 1

Details of 23 January 2012 transact ion a t A Lorch a, Macau ("Merchant")I (cardholder) incurred dining expenses of MOP564.30 at Merchant.I tendered my BEA Platinum Visa 4384 3701represented at that point my desire to be charged in MOP . to waitress for payment. I

Waitress presented card slip - see Attachment 2. I noticed Dynamic Currency Conversion isbeing offered, and re-iterated my request to be charged in MOP . Waitress represented I canpay in MOP by marking "X" against "MOP AMOUNT $564.30" on the slip, which I did (seeAttachment 2) . I also circled the $564.30 amount.The amount posted for HKD562 .73 (see Attachment 3), which was the HKD amount offeredunder Dynamic Currency Conversion in the card slip (Attachment 2) .

Visa regulations believed to be violated :http://corporate.visa.com/ medialvisa-international-operating-regulations.pdfPage 870- "Reason Code 76 Incorrect Currency or Transaction Code or DomesticTransaction Processing Violation"Chargeback Condition 4: "4. Cardholder was not advised that Dynamic Currency Conversionwould occur or was refused the choice of paying in the Merchant's local currency."Requested action:BEA to compel Merchant to charge back HKD562. 73 and re-charge MOP564.30 as authorised.


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S A T I S F A C T ~ ~ y RECEIPT OF RELATIVE GOODS I SERVICES

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POWERED BY PLANET PAYMENT

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Cyberbanking - Internet Page 1 of 1

ActivitiesAs at 27 JAN 2012 07:59 :31 HKG

~ ~ \ ~ , L ' ... ; : : ~ . ~. -----ccount Type : Credit Card Account ... 138ti -J701-Cqr rPnt Bala11CP

Account . 4384-3701- Credit Card Account ...Period : from 22/01/2012 l .. t:.' 27/01/2012 Show 1\v


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RLS 1 (01/.2010)

Our ref.: DIS C1/151 February, 2012Private & Confidential

Dear Cardholder,Re : Disputed TransactionBEA Credit Card Account No .: 4384-3701-Thank you for choosing BEA Credit Card . With regard to the captioned subject , wewould like to inform you that we temporarily reversed the following transaction on1st February, 2012 and have requested the merchant's acquiring bank to investigatethe following transaction :Merchant NameA Lorcha 3099

Transaction Date23 rd January, 2012

Transaction AmountHK$562.73

We will revert our findings to you as soon as possible . However, please note thatthe investigation may take some time on processing . Furthermore, the Bankreserves the right to reverse the transaction if the investigation reveals that theaforesaid transaction was in fact valid . Thank you for your patience andunderstanding.Yours faithfully,Retail Lending Services Department

Rema rk : Th is is a system-generated letter - no signature is required.DIS_C1

The Bank of East Asia, Limited 5R.S:a!HJ'1'il'l'l'l.;'OJRetail Lending Services Department * ~ f l ' U i l ~ i ' i B40th Floor. BEA Tower. Millennium City 5. 418 Kwun Tong Road. Kowloon. Hong Kongt l A L 1 t & U . ~ l i ! i J ~ 4 1 8 , J U W r ,:'ttLn tt)IJl' e,;:.th' rr9'. 40 i!!lTelephone !;16f. (852) 3608 6888 Facsimile Jil1t't (852) 3608 6060 Website :');ltl www.hkbea.com

BEA 120127 - DCC Chargeback Form-1

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Transcript of BEA 120127 - DCC Chargeback Form-1