Rare LINDAE3213 Posted April 23, 2020 #1 Share Posted April 23, 2020 Anyone have experience with credit card disputes concerning multiple cruises. Right now Royal owes me money for 3 different things. 1) cxld March 29th Freedom cruise $3750 2) cxld Empress May 2021 cruise -deposit of $750 3) cxld Oasis Oct 2020 cruise - deposit of $400 I am more concerned about pt 1 ...but if I file dispute only for pt 1 and money finally gets refunded for pt 2 or 3 how will Capital One distinguish which cruise the money got refunded on. So the question ...file for all 3? I created a spreadsheet to keep track...my deposit for Freedom was feb 1 2018....long long time ago. My Oasis was originally for 5 people at $100 each but then the May 4 nighter got cxld we flipped to an Oct 7 nighter and 1 person dropped out so the refund for that person shows feb 2019 for $100. Thankfully it is all on 1 card my capital one. I was told by my TA last week ( after I emailed Exec office) that Royal would refund my Empress deposit this week. Nothing came yet so I plan to call Capital One on Monday. The freedom cruise got cxld march 13th by Rccl..I requested refund march 14th..and as we all know the 30 days has passed.. screenshot saying refund to original form of payment in 30 days. Etcetc Last week TA told earliest this refund would come is 1st week May. So again...no way to dispute just 1...I need to dispute all 3 to have the full total out there...esp as refunds posted here mention multiple refunds in small random amounts. Link to comment Share on other sites More sharing options...
firefly333 Posted April 23, 2020 #2 Share Posted April 23, 2020 Some dispute guy in India spending 5 minutes skimming your dispute is not going to track each charge or have any way to match credits with 3 charges. You have the right by law to dispute, but lower your expectations. 1 Link to comment Share on other sites More sharing options...
stevea36 Posted April 23, 2020 #3 Share Posted April 23, 2020 45 minutes ago, LINDAE3213 said: Anyone have experience with credit card disputes concerning multiple cruises. Right now Royal owes me money for 3 different things. 1) cxld March 29th Freedom cruise $3750 2) cxld Empress May 2021 cruise -deposit of $750 3) cxld Oasis Oct 2020 cruise - deposit of $400 I am more concerned about pt 1 ...but if I file dispute only for pt 1 and money finally gets refunded for pt 2 or 3 how will Capital One distinguish which cruise the money got refunded on. So the question ...file for all 3? I created a spreadsheet to keep track...my deposit for Freedom was feb 1 2018....long long time ago. My Oasis was originally for 5 people at $100 each but then the May 4 nighter got cxld we flipped to an Oct 7 nighter and 1 person dropped out so the refund for that person shows feb 2019 for $100. Thankfully it is all on 1 card my capital one. I was told by my TA last week ( after I emailed Exec office) that Royal would refund my Empress deposit this week. Nothing came yet so I plan to call Capital One on Monday. The freedom cruise got cxld march 13th by Rccl..I requested refund march 14th..and as we all know the 30 days has passed.. screenshot saying refund to original form of payment in 30 days. Etcetc Last week TA told earliest this refund would come is 1st week May. So again...no way to dispute just 1...I need to dispute all 3 to have the full total out there...esp as refunds posted here mention multiple refunds in small random amounts. If you take 30 Business days, it's 6 weeks, or 42 calendar days, which brings you to the beginning of may. Cut them a break, they are handling thousands of cancellations with less staff, working from home as opposed to in their office. Give them the extra 2 weeks !!! 5 Link to comment Share on other sites More sharing options...
ONECRUISER Posted April 23, 2020 #4 Share Posted April 23, 2020 Agree. In past when the Hurricane hit Florida it took 4-6weeks get their refund/FCC, this is 10 times worse. Link to comment Share on other sites More sharing options...
KsucAts Posted April 23, 2020 #5 Share Posted April 23, 2020 6 minutes ago, stevea36 said: If you take 30 Business days, it's 6 weeks, or 42 calendar days, which brings you to the beginning of may. Cut them a break, they are handling thousands of cancellations with less staff, working from home as opposed to in their office. Give them the extra 2 weeks !!! Agreed. I would think that them having to deal with credit card disputes would slow the process even more for everybody else. It is understandable (for several reasons) that these cancellations are taking awhile. Please be patient. I expect they will cancel our cruise in a few weeks and we will be patiently waiting for a refund as well as hundreds of thousands of other people. Link to comment Share on other sites More sharing options...
Rare LINDAE3213 Posted April 23, 2020 Author #6 Share Posted April 23, 2020 Anyone offering to loan me the $4900 now? I will return it when Royal refunds me. 3 2 Link to comment Share on other sites More sharing options...
Sam Ting Posted April 23, 2020 #7 Share Posted April 23, 2020 Dispute all three at the same time. It’s their problem they cannot process refunds as fast as they can process charges. it’s your right to dispute. It’s just business after all and they agreed to the process when they chose to accept credit cards Link to comment Share on other sites More sharing options...
Rare LINDAE3213 Posted April 23, 2020 Author #8 Share Posted April 23, 2020 Thanks Sam. I have been using that card exclusively this past month since they said Freedom money would be refunded within 30 days (not 30 business days) from request date....the screenshot we all got doing the online refund. So I anticipated having the $ 3750 refunded in April. Now my credit card bill due May 1 is about $2000 but Royal has refunded 0. Link to comment Share on other sites More sharing options...
zalusky Posted April 23, 2020 #9 Share Posted April 23, 2020 Yea I am at 48 days still waiting on Cruise Planner Refunds. Clearly they are taking their time holding on to the cash as long as possible. I really can't imagine they have to do this all manually. Link to comment Share on other sites More sharing options...
twins_to_alaska Posted April 23, 2020 #10 Share Posted April 23, 2020 I'm also getting frustrated with the slow return of the cruise planner refunds... agree... don't see that they have to do that manually so assume they're holding on to the money. Link to comment Share on other sites More sharing options...
Jingerwoppy Posted April 23, 2020 #11 Share Posted April 23, 2020 In general, I've always thought it odd that a business will charge your credit card the same day you by something but then they claim it takes up to 30 days to post the credit to your card when you return something. Isn't it all computerized? I know this is a little more complicated because they need to manage cash flow but in general it shouldn't be that difficult. Link to comment Share on other sites More sharing options...
Motorman23 Posted April 23, 2020 #12 Share Posted April 23, 2020 2 hours ago, LINDAE3213 said: Anyone have experience with credit card disputes concerning multiple cruises. Right now Royal owes me money for 3 different things. 1) cxld March 29th Freedom cruise $3750 2) cxld Empress May 2021 cruise -deposit of $750 3) cxld Oasis Oct 2020 cruise - deposit of $400 I am more concerned about pt 1 ...but if I file dispute only for pt 1 and money finally gets refunded for pt 2 or 3 how will Capital One distinguish which cruise the money got refunded on. So the question ...file for all 3? I created a spreadsheet to keep track...my deposit for Freedom was feb 1 2018....long long time ago. My Oasis was originally for 5 people at $100 each but then the May 4 nighter got cxld we flipped to an Oct 7 nighter and 1 person dropped out so the refund for that person shows feb 2019 for $100. Thankfully it is all on 1 card my capital one. I was told by my TA last week ( after I emailed Exec office) that Royal would refund my Empress deposit this week. Nothing came yet so I plan to call Capital One on Monday. The freedom cruise got cxld march 13th by Rccl..I requested refund march 14th..and as we all know the 30 days has passed.. screenshot saying refund to original form of payment in 30 days. Etcetc Last week TA told earliest this refund would come is 1st week May. So again...no way to dispute just 1...I need to dispute all 3 to have the full total out there...esp as refunds posted here mention multiple refunds in small random amounts. You cant just call your credit card company and dispute a charge for services not rendered. It requires you to demonstrate that you have attempted to resolve the issue with the vendor (Royal). So.... start writing letters and keep copies. They have 60 days to respond. The Fair Credit Billing Act — a federal law passed in 1975 — gives you the right to dispute charges in case you are dissatisfied with the transaction through a process called Claims and Defenses. You must file a report on a disputed purchase within 60 days of the statement date on which the charge appeared. Before you officially report your issue, the law requires you to try and work out the disagreement directly with the merchant. See if they are willing to provide you with a refund or some sort of store credit. Here is a link to help you prepare your letters and documentation or you can just wait the 30 days that Royal said it may take to issue you credit. https://www.valuepenguin.com/disputing-credit-card-purchases Mike 3 Link to comment Share on other sites More sharing options...
Rare LINDAE3213 Posted April 24, 2020 Author #13 Share Posted April 24, 2020 Thanks for the info. I do have the written paper trail to Royal documenting the time frame they stated for refunds and that the dates have passed etc. Twice now they gave me a date the refund(s) would occur and the date has passed. Link to comment Share on other sites More sharing options...
The sea calls my name Posted April 24, 2020 #14 Share Posted April 24, 2020 I was told by my TA last week to expect 90 days for a refund. I received my FCC within 3 weeks, but still waiting for the refund for pre-cruise packages, port charges and prepaid gratuities. So not expecting anything till June or early July. Link to comment Share on other sites More sharing options...
cruisinfanatic Posted April 24, 2020 #15 Share Posted April 24, 2020 2 hours ago, LINDAE3213 said: Thanks for the info. I do have the written paper trail to Royal documenting the time frame they stated for refunds and that the dates have passed etc. Twice now they gave me a date the refund(s) would occur and the date has passed. Someone said on another post said they were refunded in 40 days without calling. You and everyone else will get their money back. Chill! 2 Link to comment Share on other sites More sharing options...
Ptroxx Posted April 24, 2020 #16 Share Posted April 24, 2020 Also keep in mind. That doing a charge back,dispute could get you blackballed from the cruise line. I have a 90 day wait with NCl. https://www.elliott.org/blog/do-not-sail-list-banned-from-cruising/ 3 Link to comment Share on other sites More sharing options...
Rare LINDAE3213 Posted April 24, 2020 Author #17 Share Posted April 24, 2020 I don't plan to sail Royal again. Based on their current business practice, lack of communication, mis-communication etc it is not a company I want to proceed with. Although I doubt any cruise company is handling this situation perfectly I can only judge by my own personal experience with how Royal is treating me. I will cruise again but not with Royal. Link to comment Share on other sites More sharing options...
Roger88 Posted April 24, 2020 #18 Share Posted April 24, 2020 Each of those things will be refunded according to the payment method and the card you used when purchasing (booking). Some banks have different waiting periods and other obligations with the cruise companies. For some it may take a few days, while for other it takes 90 days. I would be patient and message them (or call them) from time to time to get an update on the status 1 Link to comment Share on other sites More sharing options...
parrotfeathers Posted April 24, 2020 #19 Share Posted April 24, 2020 8 hours ago, Ptroxx said: Also keep in mind. That doing a charge back,dispute could get you blackballed from the cruise line. I have a 90 day wait with NCl. https://www.elliott.org/blog/do-not-sail-list-banned-from-cruising/ That was a very interesting case, and I do believe the lady was wrong in disputing her FCC with her credit card company. But that list of what is legal to dispute on your CC also lists "failure to deliver goods/services as promised." But I'm still not sure anyone will have success with credit card disputes. Cruise lines said you would get refund, they just haven't issued it. I do believe a ban is a possibility but maybe RCL during these times will decide to understand customer positions that they need their money. Link to comment Share on other sites More sharing options...
hallux Posted April 24, 2020 #20 Share Posted April 24, 2020 2 hours ago, LINDAE3213 said: I don't plan to sail Royal again. Based on their current business practice, lack of communication, mis-communication etc it is not a company I want to proceed with. Then you might consider other forms of vacations as all the mainstream cruise lines are doing the exact same thing... 1 Link to comment Share on other sites More sharing options...
Sam Ting Posted April 24, 2020 #21 Share Posted April 24, 2020 11 hours ago, LINDAE3213 said: Thanks for the info. I do have the written paper trail to Royal documenting the time frame they stated for refunds and that the dates have passed etc. Twice now they gave me a date the refund(s) would occur and the date has passed. Dispute it ASAP. You tried working it out but still haven’t been reimbursed. We disputed some airline charges and got a credit back immediately. We tried working it out with the airlines by calling them, but we felt waiting on hold for a short period of time was good enough to satisfy the requirement of working with them. Not our problem they weren’t properly staffed. No need to jump through hoops as some would like you to believe. Link to comment Share on other sites More sharing options...
rustycruzr Posted April 24, 2020 #22 Share Posted April 24, 2020 14 hours ago, LINDAE3213 said: I'm in the same boat. After I initiated the refund process, I received the same as you show in your picture above. Seems like there's a lot of broken promises here: As your picture shows, they said 30 days...not 30 business days.They've broken that promise. They said they would send a confirmation e mail and they broke that promise...to date I've received nothing. I suspect you've received nothing as well. They've gone dark...no communication publicly or otherwise indicating reasons for delays in returning $$$ to people. These are all bad signs...indicative of an organization that is in trouble. Curiously everything seems to be tied up into waiting until May 1st and shortly thereafter. I know there are some who say "cut them a break" but those who say that are not going to make you whole if RCC goes under on May1st. Also, given the pandemic many are unemployed and need the money for food, meds, children, etc. How about cutting these folks a break! I've taken pains to contact them to ask for monies and I get some version of "its in process" each time I call. I did my part...and I'm done. Royal has broken the contract. They have until COB today to issue a refund for my cruise. After that I'll initiate a charge back for failure to deliver services. Link to comment Share on other sites More sharing options...
Biker19 Posted April 24, 2020 #23 Share Posted April 24, 2020 1 minute ago, rustycruzr said: I did my part...and I'm done. Royal has broken the contract. Welcome to CC. Link to comment Share on other sites More sharing options...
Sam Ting Posted April 24, 2020 #24 Share Posted April 24, 2020 11 minutes ago, rustycruzr said: I'm in the same boat. After I initiated the refund process, I received the same as you show in your picture above. Seems like there's a lot of broken promises here: As your picture shows, they said 30 days...not 30 business days.They've broken that promise. They said they would send a confirmation e mail and they broke that promise...to date I've received nothing. I suspect you've received nothing as well. They've gone dark...no communication publicly or otherwise indicating reasons for delays in returning $$$ to people. These are all bad signs...indicative of an organization that is in trouble. Curiously everything seems to be tied up into waiting until May 1st and shortly thereafter. I know there are some who say "cut them a break" but those who say that are not going to make you whole if RCC goes under on May1st. Also, given the pandemic many are unemployed and need the money for food, meds, children, etc. How about cutting these folks a break! I've taken pains to contact them to ask for monies and I get some version of "its in process" each time I call. I did my part...and I'm done. Royal has broken the contract. They have until COB today to issue a refund for my cruise. After that I'll initiate a charge back for failure to deliver services. Just go online and dispute it now. Do you really think they are going to refund you today? Why wait any longer. Link to comment Share on other sites More sharing options...
Motorman23 Posted April 24, 2020 #25 Share Posted April 24, 2020 (edited) FYI, I just received a credit card credit for 1 of my 2 rooms that had a refundable deposit for an August 1 cruise that I cancelled two weeks ago. They are indeed refunding deposits but it is taking time. I’m still waiting for FCC on two other rooms that were non refundable but they state on the web site that it could take 30 days. I did not call them, they just refunded it. Still waiting for room 2 perhaps I’ll get that in the next few days. mike Edited April 24, 2020 by Motorman23 Link to comment Share on other sites More sharing options...
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