alibaba chargeback reddit. While Alipay offers no internal dispute resolution services or chargebacks, the customer can still dispute the credit card purchase that funded the Alipay transaction with their issuing bank. alibaba chargeback reddit

 
 While Alipay offers no internal dispute resolution services or chargebacks, the customer can still dispute the credit card purchase that funded the Alipay transaction with their issuing bankalibaba chargeback reddit They’re legit most of the times

Disputes are a chargeback category. Unfortunately the credit card payment was denied by the bank, and therefore my account was not opened. Hopefully you didn't order too many I haven't gone through alibaba much because I've heard bad things let me know how your process goes. All are mainly Chinese goods and usually lower quality, hence the prices. I am looking to buy a bulk order on Alibaba, I have gone through the processes of mocks and samples and etc. Paypal most likely wont help me and from what ive read if your account is in the negative you get sent to debt collections. In addition to said above, it's also tecnically illegal to charge back if you received the goods. An example may be the server problems at launch. Alibaba is a site for whole sale purchases with many products having minimum order quantities. For chargebacks, neither you nor PayPal has any real say in the outcome of the dispute. After a couple of weeks or so the dispute will be settled and you'll get your money back. Posted by u/zarx - 4 votes and no commentsFollow-up edit: I would recommend buying something new from a reputable distributor such as Compass Mining, you should see an ROI calculation in the 200-300 day range, that is usually how these miners are priced at the current moment. Alibaba offered me a small compensation while my supplier was about to offer me a full refund. by jfduke3. Essentially they review all your transactions and will give an “approved” or “declined” decision. you work it out with the supplier. 8 comments. The bank that issues the card issues the chargeback and makes the final decision for the chargeback and which way it goes. Hi Matthew Our anakin EP3 saber is out of stock for a while, but we got good news yesterday that the saber will back to stock within a week. Just keep in mind that you might wanna start it ASAP as it could take up to 30 business days for your bank to do anything and in worst case scenario’s up to 60. The specific decline code is meant to give a brief explanation as to why the issuer rejected the purchase. Capital One denied the chargeback, claiming we didn’t provide the right evidence. It depends when the owner of the credit card notices the bad charge, and how long it takes for them to notify the bank, and how long the bank decides to take to perform the chargeback. Trade assurance definitely seems to be a sham. They have a Shopify plugin as well. Our supplier is refusing to refund us unless we send items back. You then have to escalate by writing to your credit card company (not email) with evidence that you returned it. Alibaba does not acknowledge anything we say; I doubt they watched the video evidence we spent hours recording. They provide a chargeback guarantee model. So I just finished paying for my first initial payment on Alibaba. A Visa debit chargeback is similar to traditional credit card chargebacks: a customer calls the bank with a complaint, and funds previously credited to the merchant go back to the cardholder. Ordered custom bobbleheads from a vendor on Alibaba. In this case, Alibaba asked for additional evidence to prove the buyer was correct. com trade partner, our security team has already begun processing your case. Yes it's normal, different things can trigger fraud filters and such. UPDATE (2/3/22): I ended up filing the chargeback back in December for the full amount ($600) on the advice of my credit union. Unless you have a trustworthy supplier ( these will also screw up ) , Always on Ailbaba pay with credit card ( costs a bit extra ) but you can file a chargeback. Chargeback timeframes are actually 120 days from the date of the charge (at least with Visa), anything less may be a card issuer decision. What can I do as I can’t pay with my card anymore. Chargeback advice. Nov. Definitely do a chargeback, just make sure you can provide a simple and convincing case for your credit card company. Touchgrasseatass • 1 yr. Updated the claim with the tracking. Open a dispute and select something like, received wrong or faulty item. Doubtful with Amazon. A lot of laziness and bad workers can extend this months before a chargeback appears. If they say “approved” you can safely ship as they will guarantee the transaction meaning if it results in a fraud chargeback they will reimburse you. There are several reasons why an issuer might decline a transaction. Ali baba dispute team is a joke. To make your case, Shopify will guide you through the process of supplying necessary evidence, mostly just some screenshots. Hi Matthew Our anakin EP3 saber is out of stock for a while, but we got good news yesterday that the saber will back to stock within a week. My payment processors haves saved me and my business. First, reach out to the company that sold the product or service to you. level 2. 00 per kilo after. After multiple transactions ask if you can go back to PayPal and send money as friends to save money on fees on both sides. If repeated chargebacks happen, you can be placed on a monitoring program, leading to higher processing. ago. I read their policy back to the rep (I can't remember the specifics, but I was within the refund period) and he still refused, so I did the chargeback. Hi! I had problems with a seller, of course trade assurance disregarded everything, and now I’m forced to file a chargeback, capital one debit. Trade assurance is pretty worthless. Take pictures of all serial numbers, model numbers, and boxing it up with the shipping label and then pictures of the receipt from where you dropped it off. View community ranking In the Top 1% of largest communities on Reddit. I meticulously detail the event, provide my proof, send off my case… and lose. For the third quarter of fiscal 2023 (ended on Dec. What are the chances I'll get banned? Issues & Disputes. i. Theft isn't one of the categories. Indicate whether the goods arrived or not and the sum of refund you are claiming. Last option would be to sue them but that would cost more. Affiliate twitch. Today he requested a chargeback on his credit card claiming it was fraud. Chargeback fees are paid by the merchant (Etsy), not the customer. They won’t file it with PayPal. I opened a dispute with Citi and they initially denied my request stating that the goods would be received. Some Disputes are completed without a chargeback. (I learned this through dealing with morons on the internet. There is NO need for a cancellation of the chargeback at this point. i learned the hard way that youre opnening a whole can of worms by doing that. Chances are if they said there was a problem with the item and you refused to take it back, then the CC company will not require them to return it. We just recently received 7 huge chargebacks from the same guest who denied ever being on our property. You have a legally binding contract with the seller, if they breach the contract, enforce your. Look at their credentials on alibaba. They get free products and their money back. com trade partner, our security team has already begun processing your case. Keep it short (get to the point, quickly). I'm currently in dispute as well as I haven't received my goods and unfortunately not getting anywhere just receiving generic responses. As far as how long do you have, it's generally stated that you have 120. A woman's weekly trip to her local Subway in College Park, Georgia, turned into a financial fiasco when she was charged $7,112. What a sham. Log in to Online Banking and select the account with the transaction you'd like to dispute. " With Stripe specifically, it is final. It could be fair to consider a dispute as the first stage in the chargeback process. To put it in simple terms: most chargebacks start with a customer dispute, but not every customer dispute results in a chargeback. Reservation total $2000. I filed a chargeback with my CC. Alibaba refund system is a joke and placing orders with new suppliers can feel like a gamble. If you look up Regulation Z (credit card)or E (debit) chargeback reason codes you can see exactly what you need to provide to win a dispute. "The chargeback process, as outlined under US law, applies only to payment card transactions. GENERAL NEWS. Terms & Policies. 2 days ago · By Cagan Koc and Diederik Baazil. . I know it was Chinese New Year, but on Alibaba they say they wont be available only between Feb. It connects sellers and buyers worldwide, offering almost everything you want or need—from toilet brushes to. Try to avoid charge backs at all costs. Twitch Donation Chargeback. - Alibaba. It only took 2 days and just now airbnb and my bank emailed me saying I'll be getting a full refund. For example, Visa's official documents use the word dispute instead of chargeback. However, if they screw you over that much, you're better off without them. Alibaba response: Alibaba sided with supplier at the start of March as they said supplier now says they do i have changed my mind on requirements. I contacted UPS, they confirmed they delivered it to the correct address. ago. Make sure you have really good photos or video (depending on the type. When you can support a rightful claim with evidence, the odds of winning the dispute are on your side. Sorry, we have detected unusual traffic from. They held her money for 6 months. If it's a credit card it will be section 75 and the money will come from the credit card company Amex and I believe the furniture place should get to keep the money you paid. Chargebacks cost you, me and every other user money, they arent free of charge and they are a nightmare for sellers too. The funds will be added back to your account, and after seven days, you will be able to withdraw the funds. gov means it’s official. I really recommend you to employ an agent to do source and do quality checks in China for any of your sourcing needs. Chargeback or chargeback dispute: A claim against a transaction initiated by a customer with their bank, resulting in a forced payment reversal. Before sharing sensitive information, make sure you’re on a federal government site. ago It's not an easy process. We install everything and make it fit as best as possible, for being a cheap knockoff. Escalate dispute HELP!!! We ordered about $6k worth of custom baby items. Alibaba TA order not received for over 1 year. View community ranking In the Top 10% of largest communities on Reddit. • 1 yr. From your computer: 1. ) you can just buy them off Alibaba in bulk. Yep, go to the credit card company next. Listen. (Linking a bank account to paypal is a bad idea, in general. Most companies will ban you for a chargeback, yes. You ask a question about starting, owning, and growing a small business and the community answers. . Have you contacted your credit card provider? It might be a little long for a chargeback but maybe not; you may also have an extended warranty through the card that can be helpful. ALIBABA SELLER TRIED TO FINESSE ME. American Express, a leading financial institution, offers a wide range of services including credit, debit, and charge cards, complemented by various travel-related services. Etsy will dispute it. Cafes in china needs quality machines too. They will refund customer, plus deduct, in my case $15 Canadian as a fee from my balance (as they convert all funds to CAD for me). I sell online and I’ve had it done to me. 91%) stock has been on quite a roller-coaster ride over its history. Etsy will eat the cost of the charge back. This. Many utility providers, gyms and other companies also send people to collections on a regular basis after chargebacks and credit card companies work with them. Alibaba's "Trade Assurance" is heavily biased towards the seller to the point that they're flat out disregarding any evidence I posted. For example I bought item on alibaba using my paypal account which debit card are linked, then I requested a chargeback to my bank issuer. ago. This morning I received a chargeback from possibly the worst customer I have ever had. It seems to me that this is a very low number for an e-commerce B2B-focused site, and I wonder if I contact a seller. When we've dealt with CB's it took several weeks but they successfully recharged the guest. ) I've won a chargeback before. You can absolutely get banned by getting a google/apple store refund. That said, just from the little I know personally, I'd suggest against it and would call Apple directly and escalate. I'd advise trying to go down the chargeback route if you paid with a credit card. Visit the Country Selector to be taken to your country or region's official PlayStation website. Far-right lawmaker Geert Wilders won the Dutch elections and said he plans. She did eventually get the money back. Paying through Alibaba with Trade Assurance helps (a very small amount), at least it will get the (legit) seller's attention. Last year (2020) I booked 340/365 days, 2019 was 365/. 1. Crypto has no chargebacks and you dont need them. If the dispute is valid, you will be asked to respond with your side within 5 days. Vendor usually will try to resolve once they get the charge back, but also may let you know that you’ll be blacklisted if you don’t cancel it. Archived. Once the process is finished, DoNotPay will do the rest. TOS say something that in certain situations they will put your money on hold for 6 months to assure that money is there in case of cases or chargeback. Is it possible for 2 businesses to share an Alibaba sellers account? I want to test Alibaba as a means of promoting my new business project, but I…Go to Alibaba r/Alibaba • by McLovin81111. It’s worth the extra 1% transaction fee to us for predictability purposes. . Generally, chargebacks occur between a merchant and a credit card issuing bank or a. Even with clear evidence it's unlikely Alibaba will issue a refund of any kind. If you've received a trade dispute from an Alibaba. Especially going into this time of the year when sales are up and it’s not your “regular” customers. I've already waited three days without a working furnace, I think I'm going to go ahead and have it fixed by someone else. 14 comments. It's also important to notate on your listing something like the following: Disputes and Chargebacks: All disputes must 1st be addressed between host and guest. So earlier this year I place a chargeback against a purchase made from alibaba. Type in the name of the merchant or the company and information regarding the payment. 00, and that until I pay that amount I will not be able. Update: REFUND DENIED! The Alibaba refund claim response is below. - I've shared the information from the delivery company. Open a dispute and select something like, received wrong or faulty item. The Dreaded Chargeback. Recently I did some charge backs on a couple transactions on my CC that I did not recognize. I even provide evidence to show no changes have been made after payment made for the order back in November 2020. Looks like u/zarx called this one correctly. 2 - 3 years account age. Man_of_the_Rain • twitch. Upon opening the package and closer inspecting I notice that the main arm and. I ordered a pair of adjustable weight dumbbells on March 3rd for $400 ($100 per dumbbell, and $200 for shipping due to the weight of the products). When you log in, choose File a Chargeback from our homepage. ago. Got my money back through credit card chargeback. The Alibaba. You may have to pay the chargeback fees if the dispute is successful, ranging from $15 to $100. Alibaba is a large marketplace connecting (mostly) Chinese suppliers with (mostly) western companies. If this was your first purchase, your parents stand a very good chance to get a chargeback. Chargeback requested by a buyer. Pre-arbitration (pre-arb): When the customer. Chargeback in ebay, they don't give you a chance, only thing you can do is say "sorry for the inconvenience, please return for a full refund" and hope the dispute was through paypal and they ask to send it back. It took about 3 months but they did a full refund and no they didn't ban my account. Have a well written purchasing contract in place. Usually, suppliers provide a 40% refund. This includes payment type, card details, gateway, and other payment details. i How to Do a Chargeback Without Breaking a Sweat The chargeback process is tiring and time-consuming, and understanding the process is important. When I received the sample all was good and then l the first order which was. I will share the process that I took in. No matter which one you choose, you need to have a SKU label, and it will eventually be listed on Amazon. 57. Long story short, check-in never occurred; we waited hours as our check-in time kept getting pushed back and back, we were told 10, then noon, then 1, then 2, then 3, then 5. sixthandelm. Ouch. com is a terrible website-although much improved from a few yrs. Yes chargebacks are bad and could get your account banned. I had purchased some shoes and a t-shirt a few months back and had no issues, so I had an initial good experience. Klarna CS should've paused the payments on that card. The payment went through and was processed on the Alibaba website but there hasn’t been any funds taken from my bank account. Only the quotation. Below follows an overview of the Alibaba Trade Assurance process. The only recourse you have is through your credit card company and a. Article 3 If the Buyer and the Seller otherwise agree upon the rules for handling the. A refund means that you conducted business through. 3. 00. ago. Citi Rewards - Billing Disputes . I generally wait 20 days but its personal preference. UPS only provided an answer about the case/investigation to the Seller and I was left hanging for MONTHS. We get our money back plus the $15 chargeback fee. Just because the banks filed disputes and awarded them doesn't mean PayPal can just charge back without their own investigation. Some things may have changed since my time with Apple (re: u/DavidXGA's comment), back then at least a chargeback would just get the card itself restricted and definitely be a hassle. Start a chargeback, explaining to your card issuer that the merchant is refusing to process the legally required return and refund due to merchant's clerical incompetence. • 1 yr. I asked Google to refund it within a day of it posting to my account and the Google rep refused. This is a friendly reminder that r/smallbusiness is a question and answer subreddit. Filing chargeback advice (capital one) Hi! I had problems with a seller, of course trade assurance disregarded everything, and now I’m forced to file a chargeback, capital one debit. I asked Google to refund it within a day of it posting to my account and the Google rep refused. Thirdly, a chargeback isn’t just a refund at a different level - it’s you essentially saying that the relationship between you and the merchant is incontrovertibly broken. Chinese alibaba with much better prices. Thinking the evidences I uploaded will be satisfactory enough for alibaba to weigh on my side, their final decision is a shocking revelation and proof that Alibaba Trade Assurance is nothing but a false assurance, to my experience that is. AMEX is already instantly approving chargebacks; I imagine the other banks will follow shortly. I've read cashapp will close your account if you initiate a chargeback. Chargeback Paypal Alibaba. Chargebacks911, 2022 Chargebacks Costs. . I followed the instructions in the email on how to request the documents pertaining to the decision, but all I received was a statement. sixthandelm. This person weeks later is now charging back all of these donations, and because he immediately escalated it to a case without. 1. Hey guys i bought an printer for $1500 for my business off alibaba supplier and they completely ripped me off with the printerhead not being able to…View community ranking In the Top 5% of largest communities on Reddit. However, as written in the seller and buyer protection program terms, PayPal has sole discretion in the decision to cover or not based on all the evidence and the case at large so they really are not going against their policies. I escalated the dispute and it sat in my list for about A MONTH with absolutely no updates whatsoever so I decided to just bring it up with my bank and. When they arrived, they had stains all over them and were completely different than the samples we received. It’s SNAD they don’t cover. Reversing the charge means that none of this ever happened, you conducted no business through alibaba. ago. It has nothing to do with Shopify. To put it in simple terms: most chargebacks start with a customer dispute, but not every customer dispute results in a chargeback. Later on, Eddie will discuss our growth strategy and priorities for investment. I ordered some goods for nearly $4k from Alibaba in June 2021 and they never arrived. blaze1234 • 2 yr. • 2 yr. I'm a streamer that receives donations through paypal and recently received a large amount of donations ranging from $5 to $300 from a single person over the course of a couple days. Deliveroo can decide that you still owe the money and take you to court for the money. Update: REFUND DENIED! The Alibaba refund claim response is below. I submitted a claim to Alibaba who essentially said we can’t be the police and make a determination. Later they offered me $50 "from Alibaba not supplier" They will fight you to. com. I was unaware that the chargeback would lock my account and I needed access to be able to buy/sell/trade my account. Yep, I started using Sale Samurai last month, and it has helped a lot. Doing a chargeback should be considered a. [US WI] Being told my charge back was illegal by vendor. Gotcha. SandAndShells • 2 yr. We responded to Capital One’s request for evidence with a stupidly in-depth 50+ page PDF that included screenshots and a cover letter. Otherwise if we have a couple chargebacks with Shopify Payments, we’ll have a couple ruined months. The chargeback process is similar across most credit card networks and issuing banks, with specific differences for each bank or network. Close. I put in a charge back with Bank of America and my claim got denied. So I went through my bank. Maybe the product you received was defective or you didn’t receive what you ordered. They're unlikely to investigate further into why you did that and just ban you. I liked that method because it offered me potential fraud/chargeback coverage. S merchants that have Shopify Payments activated as their default payment provider. io is a great solution since it auto-notifies merchants before a chargeback is about to occur, letting you instantly refund the buyer, ultimately allowing you to accept higher-risk payment types to widen your funnel. CAUTION: ecommerce forums are constantly targeted by spammers and scammers. you work it out with the supplier. They're gone and you're screwed. Chargebacks are a consumer protection tool that allow consumers to get their money back for fraudulent charges or purchases that don’t live up to standards by submitting a dispute with their. We did not sign any documents talking about refund terms. All the payment platforms and ACH transfers have the same chargeback issues, except physical cash, bank wire transfer, Western Union / MoneyGram / Walmart2Walmart, money order & certified bank check (easily forged), and BTC. But if you used PayPal's dispute/claim process and the merchant/seller responds to the dispute/claim then you'd most likely lose. I filled a claim with PayPal after an unsuccessful refund with alibaba. Ask for a catalog. Send copies of shopifiys fraud checks, the delivery/billing address with your courier shipping label etc. I read their policy back to the rep (I can't remember the specifics, but I was within the refund period) and he still refused, so I did the chargeback. So I had 2 packages from a well-known store and 1 of them arrived within a very short time. Chargeback reason is usual 'not what expected' crap - these chargebacks are quite innacurate, since they have all pre-defined reasons and such. While it is a great tool, you gotta make sure you use it right. In this article, you’ll learn best practices to manage your refunds and chargebacks, and avoid a negative account balance. I filed for credit card chargeback. 15. I have been reimbursed for every chargeback on individual marketplace after writing support. I suspect also since Alibaba is the entity that funds the chargeback now that it was. I'm about to do the same with my credit card company. Does that mean it was processed incorrectly? Any advice would be much appreciated. If the person paid by Direct Checkout, then as long as you ship them with tracking and they're marked as delivered, Etsy's Seller Protections will protect you from chargebacks. This can be a tremendous resource, providing access to many low-cost suppliers, but it is not without its difficulties and risks. Alibaba refund possible? Hello Redditors, I have bulk ordered on Alibaba some customised items. Even though I've presented a written document. Please wait 3-20 business days to check the bank statement. 23. The Real Housewives of Atlanta The Bachelor Sister Wives 90 Day Fiance Wife Swap The Amazing Race Australia Married at First Sight The Real Housewives of Dallas My 600-lb. First chargeback. You need to report your card as stolen, not wait to file a charge back. I paid via trade assurance and opened a dispute in April 2022 which is still open. Being told you can’t return an item that isn’t defective and doing a chargeback is effectively fraud. Good luck! sabrinahached • 2 yr. tv/Man_of_the_Rain • 2 yr. Sue them. Sometimes the word dispute is used interchangeably with the word chargeback to refer to the entire process, from start to finish. ago. So you will just look like you bought the watch and took the money back. Honestly with how they did this delivery and lied about the signature being required. I emailed/chat with aliexpress, they did not help as well, finally talked to my bank, Chase, and they did a chargeback, reasoning high cost of shipping and not getting any response from seller. Unfortunately adidas won’t do anything and tell you to work with fed ex. Upon opening the package and closer inspecting I notice that the main arm and. Now, Alibaba is brazen enough to actually offer me less than what the supplier has already agreed to refund me. An important part of the investigation is to check past history. This is one of the reasons why I just don't see them beating out AMZ or even Ebay. They did offer to apply for a small additional compensation for us from the platform if we accepted, but after a month of fighting, this amount never exceeded $450 and it wasn't even guaranteed. Got scammed. It's all in Chinese but if you can hire a translator or agent to help it can be worth it in the long run. If you prewrite a letter a lawyer can charge as little as $40. You may check the order details to confirm whether the refund has been successfully processed, please feel free to contact your bank (please provide the ARN to your bank if there is) to follow up the Refund status. This person did a mobile check-in and received a mobile key so he never came to front desk to use his card. Membership provides significant benefits, including unique rewards, advantageous pricing options, excellent customer service, and numerous travel-related amenities. Though im happy you got your money back. Apparently the supplier immediately agreed to the refund after the bank put fire under her ass. Vendor harassing me over chargeback dispute. Alibaba said Tuesday it will split its company into six business groups, each with the ability to raise outside funding and go public. Each charge back costs you $15 along with the refunded amount and processing fee, and these add up. This can be a tremendous resource, providing access to many low-cost suppliers, but it is not without its difficulties and risks. They claim all their items are unique to their site, however ive found almost all their jewelry on alibaba. The case with PayPal was closed on December 15th, 2022. Another alternative is DHGates. I filled a claim with PayPal after an unsuccessful refund with alibaba. It seems to me that this is a very low number for an e-commerce B2B-focused site, and I wonder if I contact a seller. I reached out to tebex and let them know I opened the chargeback, they told me charging back could result in me being banned so I let them know I would. So I paid, a few days later tracking ID was provided and I was happy that it worked. O. If the dispute is valid, you will be asked to respond. They will hit back with a rebuttal to the chargeback and the bank will take the evidence and. I made an order through alibaba again on December 17th, 2022 So, my alibaba account is still open and functioning. Buyers have no real value for Alibaba. Not that my sales increased dramatically because of it, but I sure as hell have been selling more more I ever did before. ago. Alibaba refund possible? Hello Redditors, I have bulk ordered on Alibaba some customised items. to be precise 6 chargebacks. Applicable card chargeback rights may be broader than those available to you under PayPal’s Purchase Protection program. Good luck, but you got scammed, and nothing can help you recover as the bank is involved. I hope you can still contact your credit card company and do a chargeback on this order. A buyer filed a claim that they didn’t receive their order. Upon trying to return it, the merchant said they had to pay return shipping and a 20 percent restocking fee. False. Respond to refunds quickly. com buyers are from more than 200+ countries and regions. 61%) became one of the most talked about tech stocks on Reddit's WallStreetBets subreddit in early October, according to the latest data from Quiver Quantitative. I decided to go ahead and place a second. Need some advice on a dispute with Alibaba seller . 91%) stock has been on quite a roller-coaster ride over its history. Just an FYI if you want to source some GPU's from Alibaba. By 2023, the average cost of a single chargeback is expected to be $190, based on a $90 average transaction value. Escalate dispute HELP!!! We ordered about $6k worth of custom baby items. I get back from my trip a week later to pick up my car and they wouldn't give me the. These are big orgs with lots of people and many of these to do so you can imagine theres some batch processing time before it ever gets to you. thanks. Hello What happens if I disputed a charge of let's say $5 and then the bank returned the money to my account and started an investigation. A Guiding Light to AliExpress Refund Policy. I’ve never done it before and don’t want to go overboard/underboard, and am not sure what to include. Just be sure your buyer is aware you'll require a signature. Usually a cc chargeback is used because you did not receive the product or service you paid for. They will usually initiate it if the negotiation falls through. The payment was made on 30th of January and they Shipped it on 13th of February. When I dropped off my car I showed them my prepaid receipt, I handed them my car key, and they told me I was good to go. When support gets back to you it's possible you will have to contact your bank to cancel the chargeback/reverse the dispute, after which it may take several days for your bank to let Discord know the dispute has been dropped.