What is this workflow?

This workflow guides you through the process of filing a credit card chargeback for fraudulent purchases, services not received, or defective products. It covers all necessary steps to ensure your dispute is well-supported and submitted correctly.

Who should use this workflow?

This workflow is ideal for consumers who have experienced unauthorized charges on their credit cards, received defective goods, or did not receive the services they paid for. If you're seeking to recover your funds through a chargeback, this guide is for you.

What you'll need

• Details of the disputed transaction
• Credit card statement showing the charge
• Documentation supporting your claim (receipts, emails, etc.)
• Contact information for the merchant

Step-by-step process

1. Identify the charge and gather transaction details.
2. Upload your credit card statement showing the disputed charge.
3. Determine the reason for your dispute.
4. Collect supporting evidence for your claim.
5. Upload all supporting documentation.
6. Confirm if you've contacted the merchant first.
7. Generate a professional letter requesting a refund.
8. Email the letter to the merchant.
9. Wait for the merchant's response.
10. File the chargeback with your bank.
11. Upload the chargeback confirmation.
12. Wait for the bank's investigation to conclude.
13. Check the bank's decision on your dispute.
14. Understand the outcome of your chargeback.
15. Consider appealing if your chargeback is denied.

Expected timeline and outcomes

The chargeback process can take anywhere from 30 to 90 days. You will receive a notification from your bank regarding the outcome of your dispute, and options exist if the chargeback is denied.

Tips for success

• Keep all documentation organized and accessible.
• Be persistent in following up with your bank and the merchant.
• Ensure your reasons for the dispute are clearly articulated.
• Consider seeking legal advice if the amount is significant.