Comment by FormFollowsFunc
5 years ago
I pre-paid for a hotel with my debit card. The hotel cancelled the booking because of the lockdown in the UK. They refused to provide a refund, instead offering me to reschedule the booking some other time. As I was unlikely to visit that city any time soon I tried to get a chargeback through my debit card but I discovered that Government lockdowns are not covered by the Visa chargeback process.
Are you sure this was due to the chargeback process or because you used a debit card? Even vendors that have a NO REFUNDS policy can still lose credit card chargebacks because the bank will side with the customer the vast majority of the time.
What reason do you give the bank or credit card company for the chargeback?
For a canceled hotel reservation, probably Service Not Provided.