The requirements for defending against disputes vary depending on the reason for the dispute. For all types of disputes, you must provide documents with details of transactions to help you build a strong case to challenge the dispute.
Meeting the defense requirements does not guarantee that you will win.
Click on the dispute below to determine the defense documents
A
ATM Disputes - Incorrect Cash
ATM Disputes - Account debited more than once
Authorization Approval Expired
C
Cancelled Merchandise/Services
Cancelled Recurring Transaction
Cancellation of Recurring Goods/Services
Charge for Damages/Theft/Loss Questioned
Charge not Processed as a Credit
Charge Paid by Another Form of Payment
Cardholder Does not Recognize Transaction
Cardholder Needs for Personal Records
Cardholder Requests Copy Bearing Signature
Credit for a Cancelled Lodging Reservation or Car Deposit Requested
Credit for a charge submitted in an invalid currency requested
Credit for goods/services that were not received, requested
Credit for returned goods requested
Credit not processed as a charge
Credit/Debit Posted Incorrectly
Complete support and/or documentation not provided
D
Damaged and/or defective goods/services
Damaged or Defective Goods Received
Defective Merchandise or Services
Duplicate processing/Paid by other means
Duplicate transaction - Different forms of payment
Duplicate transaction - Same form of payment
F
Fraud–Card present transaction
Fraud liability shift - counterfeit
Fraud liability shift – Lost/Stolen/Non-Received
G
Goods and Services Not Received/Refused
Goods/Services not received or only partially received
Goods/Services were canceled/expired or the unsuccessful attempt to cancel
Goods/services were canceled and/or refused
Goods Not as Described/Defective
H
I
Incorrect transaction amount presented
L
Loss, Theft, or Damages
M
Mismatch in submitted charge amount and agreed amount
Mismatch of requested and received goods
Multiple processing/Duplicate charge
N
No card member authorization/Multiple ROCs
No credit received/credit not processed
No show or canceled CARDeposit
P
Purchase Transaction Did Not Complete
R
Referenced card not present or charge(s) not recognized by Cardmember
Referenced charge should have been submitted as a credit
Referenced Credit should have been submitted as a charge
Repair/Replacement request of damaged/defective goods received
S
Services not provided/Merchandise not received
Support and Itemization Requested
T
U
V
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