Payfare review: Transaction dispute/viloated rights

I recently requested assistance in a recent transaction dispute involving Dasher Direct/Payfare and its issuing bank, Stride bank. On January 15th, I initiated a dispute for unauthorized charges on my Dasher Direct card, totaling $483.80, comprising $250 from Skillz and $133 from AT&T. Despite furnishing notarized evidence and correspondence confirming the need for a chargeback from an AT&T representative, my claim was denied on January 26th, citing information provided by the merchants as proof of authorization. Subsequently, Skillz credited one transaction on February 22, 2024, acknowledging an error. In seeking transparency, I have requested documents used in the dispute resolution process, only to be redirected to the merchants. This lack of disclosure violates consumer protection laws, hindering my ability to ascertain the basis of the decision made. Navigating through the complexities of transaction disputes, emphasis must be placed on consumer rights and the need for clear, accessible information. It is imperative that financial institutions uphold their obligation to provide detailed justifications for dispute outcomes, ensuring accountability and safeguarding consumer interests. In a landscape where electronic transactions dominate, advocating for transparency becomes paramount. By shedding light on the processes behind dispute resolutions, we foster trust, accountability, and consumer empowerment. Let us strive for a system where consumers are empowered with information and protected by robust consumer protection laws.

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