When Disputing A Credit Card Transaction, Why Isn't There An Option To State The Reason?

[Ashbie]

When a dispute for a questionable transaction is created, VISA(CIBC) orders a sales draft from the merchant's bank and sends it to the person who created the dispute. When the sales draft is received, there is an affidavit on which there are a number of options to select and sign for. These possibilities are below two categories. The first category contains only one particular choice. It is the statement that the customer(disputer) did not authorize or participate in the transaction in query. When this alternative is chosen, the consumer is necessary to phone to cancel their credit card with the bank, so that a new card may be issued and so that new questionable chrages cannot be created with the affected account. The second category contains different variations of options. I do not keep in mind them all or remember them precisely. 1 of them is a statement admitting that the incorrect amount was charged. There are other variations of statements getting to do with monetary value pertinent to the transaction.

[Hasan]

This PDF gives some good answers on what you can dispute and how to do it. My guess is that you are trying to dispute the quality of merchandise or service as a billing dispute. You cannot dispute quality using the billing error dispute option. In the case of a quality issue, you must dispute the charge via a letter to the credit card company. You may withhold payment for the item or service while the dispute is being investigated. You will, however, still need to pay for items that you are not disputing. The credit card company is obligated to investigate the matter and resolve it within 90 days of the case being opened. The web address for the PDF above has a very good explanation of what you can dispute and how you need to do it. It also gives a sample letter for those items that must be disputed via a letter to the credit card issuer. You must have Adobe Acrobat to open the PDF. You can download Adobe acrobat here if you do not already have it:http://www.adobe.com/products/acrobat/readstep2.html?promoid=BONRM Sources: www.consumerlaw.org/initiatives/seniors_initiative/content/FACTSCreditCardRights.pdf newbie7312717 72 months ago Please sign in to give a compliment. Please verify your account to give a compliment. Please sign in to send a message. Please verify your account to send a message.

[Clemens]

My guess is that you are trying to dispute the quality of merchandise or service as a billing dispute. You cannot dispute quality using the billing error dispute option. In the case of a quality issue, you must dispute the charge via a letter to the credit card company. You may withhold payment for the item or service while the dispute is being investigated. You will, however, still need to pay for items that you are not disputing. The credit card company is obligated to investigate the matter and resolve it within 90 days of the case being opened. The web address for the PDF above has a very good explanation of what you can dispute and how you need to do it. It also gives a sample letter for those items that must be disputed via a letter to the credit card issuer. You must have Adobe Acrobat to open the PDF. You can download Adobe acrobat here if you do not already have it:http://www.adobe.com/products/acrobat/readstep2.html?promoid=BONRM

[Arber]

-layyla- said: 1 I've only ever disputed one charge on my Visa. I have Capital One. I did it over the phone and was able to tell my story in detail. I never had to fill out such a form. It was very easy and I was very happy with the entire transaction when it was all over. 72 months ago

[Arlando]

I've only ever disputed one charge on my Visa. I have Capital One. I did it over the phone and was able to tell my story in detail. I never had to fill out such a form. It was very easy and I was very happy with the entire transaction when it was all over.