When to Use This Message
File a Chargeback Request when:
- A merchant won't resolve a billing dispute directly and you need your bank to step in.
- You never received goods or services you paid for.
- A charge on your statement is fraudulent or unauthorized.
- You've already tried resolving the issue with the merchant without success.
Message Writing Tips
- Show You Tried the Merchant First: Most card issuers expect you to attempt resolution directly with the merchant before filing a chargeback — mention this clearly.
- State the Exact Charge in Dispute: Include the date, amount, and merchant name so your bank can identify the transaction.
- Explain the Reason for the Dispute: Be specific — item not received, not as described, unauthorized, or duplicate — since this determines how the bank investigates.
- Reference Any Supporting Evidence: Mention order confirmations, communication with the merchant, or photos that support your claim.
Frequently Asked Questions
Do I need to contact the merchant before requesting a chargeback?
Most banks expect this, and many will ask if you've tried — a clear record of attempted resolution strengthens your case.
How long does a chargeback take to resolve?
It varies by bank and case complexity, but investigations commonly take a few weeks, sometimes longer for disputed merchant responses.
What if the merchant disputes my chargeback claim?
Your bank will review evidence from both sides — keep any documentation (receipts, messages, photos) ready in case it's requested.