What Is the RBS Chargeback Policy?

The pandemic brought many powerful shifts to the business environment. The rise of online shopping came with accelerated shifts to digital payments. And with this came a new set of challenges, the most common one being chargebacks.

You can request an RBS chargeback for different reasons. Claiming a refund by yourself is not easy. With DoNotPay, however, you can easily file a chargeback for a fraudulent transaction. Follow through the rest of the article to understand how.

RBS International Overview

The Royal Bank of Scotland International forms an important part of NatWest Group Plc – one of the UK's leading bank groups. RBS International was founded in 1996 and had its headquarters in Jersey. The banking institution offers banking services to private, personal, commercial and financial services to customers in Guernsey, Jersey, the Isle of Man and Gibraltar. RBS International also provides financial help to many institutions located in London, Edinburgh, and Luxembourg.

Want to Dispute an RBS Transaction?

Before you dispute an unfamiliar transaction on your RBS bank statement, you first need to look into several factors.

1. Check with your retailer

Sometimes, retailers make mistakes, as we all do. You will need to contact the retailer to ask them about the issue. They would solve this for you if the mistake was on their end. Note that a retailer can be a person, a business, or a company.

2. The transaction may be pending

For RBS to help, the disputed transaction must have been processed by the retailer and visible on your bank statement. One way to check for a pending transaction is to view the list of transactions on the mobile app. Until the transaction has been fully processed, RBS will not be in a position to assist you.

3. How far back was the transaction made?

RBS will help you with disputed transactions that happened within the last four months.

Getting Started With Disputing Your Claim

If you have contacted the retailer and they are unable to help you, RBS can raise a dispute on your behalf. To do this successfully, we will need the following information from you:

• The name of the retailer
• Your account details
• The amount of the transaction and the date you made the transaction

For some disputes, we may need you to provide:

• A receipt or invoice of the transaction
• The retailer's terms and conditions
• Evidence of failed attempts to cancel the transaction
• Proof of the retailer rejecting your dispute

Please make sure that the transaction has been fully processed. It is important to provide accurate information. In the event you give false information and fraud is suspected, your details will be passed on to fraud prevention agencies.

You Have Not Received the Purchased Goods or Services

If you paid for goods or services and you have not received them, you can raise a dispute with RBS. All you have to do is:

1. Open the dispute form.
2. Choose 'Get Started'.
3. Choose 'You have not received goods or services' under 'Select your dispute.'
4. Follow the prompts that pop up on your screen.

It will take you approximately 5 minutes to complete your form. You will also get automatic updates as you file your claim. Due to the coronavirus, RBS is processing numerous claims. That said, RBS works hard to make sure that all claims are reviewed within 20 working days.

You Have Been Double Charged for a Transaction

RBS can help you under the following circumstances:

• You were charged more than one time using the same payment method
• The retailer charged the wrong amount
• The transaction was made on a later date than expected
• Instead of refunding you, the retailer deducted the money again

If any of this has happened to you, follow the above procedure for raising a claim to get your money back.

Here’s a summary of how you can get an RBS chargeback:

How to Get an RBS Chargeback With DoNotPay

DoNotPay offers the easiest way to get an RBS chargeback. All you have to do is:

1. Find the File a Chargeback product on DoNotPay.

2. Tell us which credit card (or ACH transfer) the payment was on, and enter the name of your bank and the merchant.

3. Select the reason for your chargeback, and provide relevant details, including the charge amount, the charge date, a description of the payment, and any files you can upload as evidence.

Note: In most cases, you typically have 60-120 days from the charge date to file a valid chargeback.

DoNotPay Can Help You Get a Refund or Chargeback for Any Company

DoNotPay can help you file a chargeback from other companies, such as:

• Teletext holidays refund
• Virtual Credit Cards
• Just Eat refund
• Trainline and Trainline delay refund
• Easyjet refund
• Plane tickets refund
• Argos refund
• Council Tax refund
• Amigo Loans refund
• Wowcher refund

What Else Can DoNotPay Do?

Apart from assisting you with chargebacks, DoNotPay has many other products and services. Notable examples are helping you:

• Get a Burner Phone
• Skip Waiting On-Hold for Customer Service
• Hotel Bill Negotiations
• Get Help Paying Some Bills
• Send Demand Letters To in Small Claims Court

The list is endless! Sign up with DoNotPay today to get an RBS chargeback and take advantage of all the other amazing services we have to offer.