Cargo en visa indebido

Hola el 4 de Septiembre me hicieron un cargo indebido en mi tarjeta visa de Caixabank. Hice la peticion de devolucion de ese cargo ese mismo dia y a fecha de hoy, 4 de octubre sigue en estado "Solicitud de devolucion realizada", pero el importe no me ha sido devuelto. Corresponde a un cargo de QUALITAS MOTOS, importe: 387,62€. He enviado reclamacion a atencion al cliente de Caixabank y he mandado varios correos. Lo que me contestan es que esta en tramite, pero es imperdonable que siga esperando despues de un mes a que me devuelvan ese importe. Agradeceria por favor que intercedieran en la reclamacion, ya que esto me supone un trastorno importante en mi economia. Muchas gracias

Thank you for contacting the Client Resolution team of Visa in Europe. Your query has been logged under reference number [SR2000551592] and will be assigned to one of our Analysts to assist in the resolution. If your query is about a live transaction processing issue or requires urgent assistance/escalation then please call us on your country specific number. Country specific numbers are available on Visa Online at the below address s:secure.visaonline.com/SitePages/Content.aspx?pageid=2.4.4.1.0 You may also alert us using euescalations@visa.com Please use this reference number 2000551592 in all correspondence so that our case management system can efficiently track and update your query. Kind Regards, Client Resolution

Hola  Customer, Gracias por comunicarse con Visa. Le pedimos disculpa de antemano por el inconveniente, ya que actualmente no proveemos servicios en el idioma que usted nos ha escrito. En un esfuerzo por brindarle asistencia, hemos traducido su mensaje e identificado la siguiente información para responder a su consulta:   Unfortunately, Visa cannot progress this case on your behalf since Visa does not have access to, or jurisdiction over, cardholder accounts. It may help you if I explain the role of Visa. Banks join Visa to either issue cards to their customers (e.g. yourself) or sign up retailers to accept the cards. Our client issuing banks are responsible for all account management and billing inquiries. Account information is confidential and is regulated by the Terms and Conditions between client banks and their cardholders. As Visa clients, the banks agree to abide by a set of rules and regulations. This ensures that the payment system works for everyone using it - wherever they are around the world.   When the bank signs up a cardholder, they have to ensure that their terms and conditions accommodate the standard requirements of Visa. As you are aware, in cases of disputed sale transactions, you may be eligible for a chargeback. Chargebacks are reversals of disputed sales transactions. Visa chargeback rules and regulations apply to all Visa credit and debit cards. As a Visa cardholder you have a right to approach your bank and ask them to request a refund if the goods and services you purchased with your debit or credit card are not supplied as specified. This also applies in the case where a merchant ceases trading. Please contact your card-issuing bank for detailed advice about chargebacks. You can contact them directly using the address or telephone number on your Visa statement, or on the back of your card. Gracias por comunicarse con Visa, Naoka Visa Webmaster Disclaimer: If you notice a change of from email address, then we are responding to your query from the correct department/mailbox. Electronic Notice. This email, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it. Any information you provide to us on this interaction will be used to assist you and for the other purposes described in the privacy notice posted at Visa.com. Please do not include sensitive personal data in any response to this email. Thank you in advance for your cooperation. Copyright © 2012 Visa. All rights reserved.     ---------------------------- 0100 (British Summer Time) ón: Cargo en visa indebido - (CPTES01889809-55)