TRY ME!
Bank Dispute Resolution Steps
Summary
If your bank denied a transaction dispute for services not rendered, consider contacting PayPal for resolution, filing a complaint with the Consumer Financial Protection Bureau (CFPB), and consulting a consumer rights attorney. You may not be able to claim additional compensation for inconvenience unless specified in a contract. For legal assistance, use attorney referral services or legal aid organizations in California.Full Conversation
I filed a transaction dispute with my bank regarding electrical services I paid a electrician to come out to repair electrical outlets. I paid the electrician $*.* thru PayPal the worker got arrested and put in jail before he could complete the job and will be in jail for a long while. My bank lied to me and said they correlated with the merchant which is impossible because inmates can’t receive phone calls. So they lied and denied my dispute. What can I do About that and how do I get my refund
It sounds like a frustrating situation. Here are some steps you can consider:
- Contact PayPal directly to dispute the transaction. They have a resolution process.
- Gather all documentation related to the payment and service agreement.
- Consider filing a complaint with the Consumer Financial Protection Bureau against the bank.
Have you tried reaching out to PayPal about this dispute?
- Contact PayPal directly to dispute the transaction. They have a resolution process.
- Gather all documentation related to the payment and service agreement.
- Consider filing a complaint with the Consumer Financial Protection Bureau against the bank.
Have you tried reaching out to PayPal about this dispute?
PayPal told me to take it up with my bank
It sounds like you're in a tough spot. Here are a few steps you can consider:
- Contact your bank again with all the documentation you have, including proof of the electrician's arrest.
- Consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) about your bank's handling of the dispute.
- Seek assistance from a consumer rights attorney if necessary.
Have you considered contacting a consumer rights attorney for further guidance?
- Contact your bank again with all the documentation you have, including proof of the electrician's arrest.
- Consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) about your bank's handling of the dispute.
- Seek assistance from a consumer rights attorney if necessary.
Have you considered contacting a consumer rights attorney for further guidance?
I did send proof of arrest before the denial. That’s about all the documentation I can get. I also provided messages from the PayPal platform where I’m attempting to make contact with no response
It sounds like you've taken some important steps already. Since PayPal directed you back to the bank, and the bank has denied your dispute, filing a complaint with the Consumer Financial Protection Bureau (CFPB) could be a next step. They can investigate your bank's handling of the situation. Also, consider consulting a consumer rights attorney to explore additional legal options. Have you thought about contacting a lawyer for this issue?
Yes
Case Rating: *
It seems like you've taken all the right steps in trying to resolve this issue. Filing a complaint with the Consumer Financial Protection Bureau (CFPB) could be beneficial. Additionally, consulting with a consumer rights attorney might provide more insight into further legal action you can take. If you need any more information or assistance, feel free to ask!
It seems like you've taken all the right steps in trying to resolve this issue. Filing a complaint with the Consumer Financial Protection Bureau (CFPB) could be beneficial. Additionally, consulting with a consumer rights attorney might provide more insight into further legal action you can take. If you need any more information or assistance, feel free to ask!
Can I request for more money for the inconvenience
Case Rating: *
You may not be able to request more money solely for inconvenience unless it's stipulated in a contract or agreement. You might consider:
- Checking if any state consumer protection laws apply.
- Consulting with a consumer rights attorney for potential compensation beyond the original refund.
Have you considered these options?
You may not be able to request more money solely for inconvenience unless it's stipulated in a contract or agreement. You might consider:
- Checking if any state consumer protection laws apply.
- Consulting with a consumer rights attorney for potential compensation beyond the original refund.
Have you considered these options?
Can you find me a attorney
Case Rating: *
It sounds like you're dealing with a complex situation involving your bank and PayPal. While I can't directly find an attorney for you, you might consider reaching out to legal aid organizations or using attorney referral services in California for assistance. Consider starting with the State Bar of California's website for resources. If you have any specific questions about your situation, feel free to ask!
It sounds like you're dealing with a complex situation involving your bank and PayPal. While I can't directly find an attorney for you, you might consider reaching out to legal aid organizations or using attorney referral services in California for assistance. Consider starting with the State Bar of California's website for resources. If you have any specific questions about your situation, feel free to ask!
Can you draft me a letter on what to say to cfpb
Case Rating: *
Here's a draft letter you can use to file a complaint with the Consumer Financial Protection Bureau (CFPB):
---
[Your Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Date]
Consumer Financial Protection Bureau (CFPB)
P.O. Box *
Clinton, IA *-*
Subject: Complaint Regarding Dispute Resolution with [Your Bank's Name]
Dear CFPB,
I am writing to formally lodge a complaint against [Your Bank's Name] regarding their handling of a transaction dispute I filed. On [Date], I paid $* through PayPal to an electrician for services that were not completed due to the electrician's arrest. Despite providing my bank with documentation, including proof of arrest and communication attempts, they denied my dispute claim.
My bank's claim that they communicated with the merchant is implausible, as the electrician is incarcerated and unable to receive calls. Moreover, PayPal advised that the matter be addressed with my bank, leaving me without resolution.
I kindly request that the CFPB investigate this matter, as my attempts to resolve it through my bank have been unsuccessful. I am seeking a refund of $*, as well as any additional guidance on potential compensation for the inconvenience caused.
Thank you for your attention to this matter. I look forward to your prompt response.
Sincerely,
[Your Name]
---
Feel free to adjust the letter to fit your specific details and situation.
Here's a draft letter you can use to file a complaint with the Consumer Financial Protection Bureau (CFPB):
---
[Your Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Date]
Consumer Financial Protection Bureau (CFPB)
P.O. Box *
Clinton, IA *-*
Subject: Complaint Regarding Dispute Resolution with [Your Bank's Name]
Dear CFPB,
I am writing to formally lodge a complaint against [Your Bank's Name] regarding their handling of a transaction dispute I filed. On [Date], I paid $* through PayPal to an electrician for services that were not completed due to the electrician's arrest. Despite providing my bank with documentation, including proof of arrest and communication attempts, they denied my dispute claim.
My bank's claim that they communicated with the merchant is implausible, as the electrician is incarcerated and unable to receive calls. Moreover, PayPal advised that the matter be addressed with my bank, leaving me without resolution.
I kindly request that the CFPB investigate this matter, as my attempts to resolve it through my bank have been unsuccessful. I am seeking a refund of $*, as well as any additional guidance on potential compensation for the inconvenience caused.
Thank you for your attention to this matter. I look forward to your prompt response.
Sincerely,
[Your Name]
---
Feel free to adjust the letter to fit your specific details and situation.
Start a new chat