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Estimados Srs. y Sras., El pasado 17 de noviembre de 2023 adquirí en tienda física FNAC dentro del C.C. Gran Plaza 2 de Madrid, con la la tarjeta FNAC VISA. Tal y como se me ofreció en tienda y como anuncia la tienda en su publicidad, la tarjeta permite financiar compras SIN INTERESES, TAE0% en la semana del Black Friday y en un plazo de 30 meses. Sin embargo, en el primer recibo que se me han girado del mes de diciembre de 2023, se me está cobrando indebidamente un seguro de protección de compras fraccionadas del que no se me informó ni acepté en el momento de la adquisición, ni en la tarjeta ni App. Por todo lo expuesto, ruego procedan al reembolso de la cuota cobrada indebidamente, la cual asciende a 8,95 euros, así como a la cancelación de dicha cuota en los próximos giros hasta la liquidación completa del crédito.

Thank you for contacting the Client Resolution team of Visa in Europe. Your query has been logged under reference number [SR2000755507] 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 during UK office hours (07:00 to 18:00 UK local time) Please use this reference number 2000755507 in all correspondence so that our case management system can efficiently track and update your query. Kind Regards, Client Resolution

Hello, Thank you for contacting Visa. We apologize in advance for any inconvenience, as we currently do not support the language that you are writing to us. In an effort to provide assistance, we have translated your message and identified the following information to answer your inquiry: 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. Thank you for writing, Anne Consumer Support Europe www.visaeurope.com Disclaimer: If you notice a change of from email address, then we are responding to your query from the correct department/mailbox. ABOUT VISA - We are a payments business. We are not a bank and we do not issue cards. Nor are we a credit card company, so we do not lend or set the fees that consumers pay. We provide the brand, systems, services and rules that help make electronic payments between millions of consumers, businesses and governments happen. For more information, please visit our website. Please note that all consumer enquiries are handled by our Consumer Queries Team based in the United States of America. For more information on Visa's privacy practices please visit the privacy page at s:www.visaeurope.comrivacy/           ---------------------------- 0000 (Greenwich Mean Time) ón: Seguro no contratado - (CPTES01939133-06)