Credit Card Chargeback Fraud: Evidence Matters
Credit card chargeback fraud can expose consumers and merchants to loss. Learn how records, deadlines, and formal disputes affect viable action prospects.
Keep the transaction date, the merchant name, the card statement, and any dispute reference the bank has already given you. Deadlines for a card dispute are short and are set by the scheme, not by a recovery firm.
A formal dispute uses those records. It does not guarantee a refund, and a second demand for a fee to “process” the chargeback is a reason to stop.