Indian Trail, NC asked in Banking and Consumer Law for North Carolina

Q: If I believe my bank is incompetent in handling a $60 charge back for a hotel room is there anything I can do about it?

I went to a hotel, to get a room that costs $60 per night. The hotel has a policy that there is only 15 minutes within paying to either change rooms, or ask for a refund, and makes people sign a paper stating this, and does not let people look at the rooms first before deciding to pay. In my case, I was shown 3 rooms. The first room was inaccessible due to no fault of my own. The second room, I declined because of cleanliness conditions. The third room I agreed to at first, but changed my mind shortly after due to safety concerns. So I went to the front desk clerk, and asked for a refund, of which they refused, saying my time was up. I later filed a chargeback with my bank since I did not stay at the hotel due to safety concerns. I told the bank that I wanted try to fight based on the policy assuming only 1 room is shown when that was not applicable to my case. All the bank did was ask the merchant for a refund, and unsurprisingly, the hotel said no. I don't the bank even tried.

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1 Lawyer Answer
Bruce Alexander Minnick
Bruce Alexander Minnick
  • Business Law Lawyer
  • Tallahassee, FL

A: Wow. It's too bad you did not anticipate any problem when this (very cheap) hotel made you sign an agreement not to complain about their cheap rooms unless you do it immediately. In any event, there is nothing you can do to force your bank to give you the $60 that the hotel kept. Why not consider this as a cheap lesson learned: Do not waste anymore of your hard-earned money staying in cheap hotels that trick you into another situation like this. You certainly must know that there are many other much nicer hotels in your area (or in any area) that rent much nicer rooms for less than $100 per night. And you should also know that the $40 you thought you were saving is not worth this hassle.

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