How should I respond to a chargeback?

If you have received a chargeback for a transaction made with your credit card, responding appropriately is important. The first step is to contact the merchant to explain the circumstances of the transaction and any proof of purchase that you may have, such as receipts. The merchant may offer to assist you in contesting the chargeback or refund the purchase amount to resolve the dispute. If the merchant is nonresponsive or unable to assist in challenging the chargeback, you should contact the bank that issued the credit card to begin the dispute process. The bank will review your dispute and determine whether to proceed with the chargeback. If you believe that you should not have received the chargeback, it is important to respond to the bank as quickly as possible. Provide any additional information or documentation requested by the bank to assist in your dispute. If the bank decides in your favor, the chargeback will be reversed and the dispute resolved. If the bank decides against you, the chargeback will remain and you may have to pay the merchant the amount of the dispute or seek legal advice if you feel the chargeback is wrongful.

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How should I respond to a chargeback?

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