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But chargeback is not legally binding, is it? So you just put yourself in a situation where you received a service and didn't pay for it. I am pretty sure Uber

But chargeback is not legally binding, is it? So you just put yourself in a situation where you received a service and didn't pay for it. I am pretty sure Uber could do something about it if they cared.

UpshotKnothole 8y ago
Legally they can take it up with the CC company, not you, and then if they win (they won’t) your CC will charge you.
- mikeash 8y ago
  They can suspend your account, take you to collections, and put a negative report on your credit score. At least in the US, other countries may be different.
  - UpshotKnothole 8y ago
    They can always do whatever they want to your Uber account, because TOS’ are jokes. The rest they can only do to your CC company, they can’t ding your credit report or anything of the sort. I don’t know where you’re getting that idea.
    - mikeash 8y ago
      For example: https://blog.credit.com/2015/06/think-you-won-your-credit-card-dispute-not-so-fast-118101/ https://blog.credit.com/2015/06/think-you-won-your-credit-ca... A quick google search reveals lots more, and none that I saw saying companies can’t come after you for a disputed charge. Most won’t, and most of those that do will only do it if they can clearly show they’re in the right, and you should be able to beat any collection attempt if they aren’t, but they can try.
      - UpshotKnothole 8y ago
        That blog comes up 403.
        mikeash 8y ago
        Weird, works fine here. Google something like “credit card chargeback collections” for more like it.
    - toomuchtodo 8y ago
      A merchant is entirely within their right to send you to collections and pursue you personally. There is no legal language in any merchant or processor agreement that prohibits it. Prime example: gym memberships
      - UpshotKnothole 8y ago
        Gym memberships involve a contract and recurring payments, and the contract is usually not in your favor. A one time charge to an Uber driver is not similar.
        toomuchtodo 8y ago
        You've agreed to a license agreement and terms of service when you use any app. You've read the agreement, right?
        mikeash 8y ago
        The lack of an agreement wouldn’t help you anyway. It would be theft of services, no different than taking a cab and running off after refusing to pay.
marcosdumay 8y ago
You will probably open yourself for persecution if you start requesting fraudulent chargebacks. But I imagine credit cards operators will make sure they don't have you as a client before anybody even thinks about calling the police.

UpshotKnothole 8y ago

Legally they can take it up with the CC company, not you, and then if they win (they won’t) your CC will charge you.

mikeash 8y ago
They can suspend your account, take you to collections, and put a negative report on your credit score. At least in the US, other countries may be different.
- UpshotKnothole 8y ago
  They can always do whatever they want to your Uber account, because TOS’ are jokes. The rest they can only do to your CC company, they can’t ding your credit report or anything of the sort. I don’t know where you’re getting that idea.
  - mikeash 8y ago
    For example: https://blog.credit.com/2015/06/think-you-won-your-credit-card-dispute-not-so-fast-118101/ https://blog.credit.com/2015/06/think-you-won-your-credit-ca... A quick google search reveals lots more, and none that I saw saying companies can’t come after you for a disputed charge. Most won’t, and most of those that do will only do it if they can clearly show they’re in the right, and you should be able to beat any collection attempt if they aren’t, but they can try.
    - UpshotKnothole 8y ago
      That blog comes up 403.
      - mikeash 8y ago
        Weird, works fine here. Google something like “credit card chargeback collections” for more like it.
  - toomuchtodo 8y ago
    A merchant is entirely within their right to send you to collections and pursue you personally. There is no legal language in any merchant or processor agreement that prohibits it. Prime example: gym memberships
    - UpshotKnothole 8y ago
      Gym memberships involve a contract and recurring payments, and the contract is usually not in your favor. A one time charge to an Uber driver is not similar.
      - toomuchtodo 8y ago
        You've agreed to a license agreement and terms of service when you use any app. You've read the agreement, right?
        mikeash 8y ago
        The lack of an agreement wouldn’t help you anyway. It would be theft of services, no different than taking a cab and running off after refusing to pay.

marcosdumay 8y ago

You will probably open yourself for persecution if you start requesting fraudulent chargebacks. But I imagine credit cards operators will make sure they don't have you as a client before anybody even thinks about calling the police.