Call (844) NO-DISPUTESResponse Template for "Cardholder Dispute Not Elsewhere Classified"
Chargeback Response
Chargeback Response - Cardholder Dispute Not Elsewhere Classified
Transaction Information:
- Transaction Date: Transaction Date
- Transaction Amount: Transaction Amount
- Transaction ID: Transaction ID
- Customer Name: Customer Name
- Last 4 Digits of Card: Last 4 Card Digits
Response to Dispute:
We respectfully dispute this chargeback and provide the following evidence that this was a legitimate transaction authorized by the cardholder.
Transaction Authorization:
The transaction was Authorization Method and processed on Processing Date. The cardholder Verification Method.
Product/Service Details:
- Product/Service Description: Product or Service Description
- Delivery/Service Date: Delivery or Service Date
- Delivery Method: Delivery Method
Customer Interaction:
Customer Contact regarding this transaction. Additional Customer Interaction Details (Optional)
Supporting Evidence:
We are providing the following documentation to support the validity of this transaction:
- Primary Evidence
- Secondary Evidence
Additional Supporting Information (Optional)
Business Information:
Our Business Type has been in operation since Business Start Date. We maintain clear policies regarding Relevant Policy.
Conclusion:
Based on the evidence provided, we request that this chargeback be reversed. The transaction was legitimate, authorized by the cardholder, and the Fulfillment Status as agreed.
Additional Comments or Clarifications (Optional)
Contact Information:
Business Representative Name
Business Name
Contact Email
Contact Phone
Not Elsewhere Classified” disputes cause almost 22% of all chargebacksand puts them right at the top of the list for the most common – and really most frustrating – problems merchants deal with every day. These disputes are catch-all complaints that pop up once cardholders sense something is off about a transaction but they just can’t pin down what that something is. Maybe the charge doesn’t ring a bell, they totally forgot that they bought something or they’re having big buyer’s remorse about the whole situation. The problem is that without any specific reason code you can address head-on, you wind up trying to fight something you can’t even see well.
The fact that these disputes are so vague puts merchants in a tough position from the start. Your odds of winning sink to just 18%, a big contrast to the 32% success rate that you see with disputes that have specific, simple issues. Each lost case can run about $191 after you factor in fees, lost merchandise and the hours that your team pours into the situation. What makes the situation even worse is that a lot of these vague disputes are really just friendly fraud – about 49% come from customers who really got just what they ordered. Merchants with weak records become prime targets for repeat offenders who know these generic disputes are harder to push back on.
A solid template can completely change how you handle these replies and it turns what used to be pure guessing into a step-by-step, organized process. Because you don’t know what the complaint is about, templates make sure that you cover every possible base – authorization hiccups, delivery problems, customer service records and product quality concerns. This wide-angle approach can lift your win rate by as much as 40% and it’s a big deal. Templates also help everyone on your team reply in the same uniform way so you don’t wind up with important gaps in evidence when different team members tackle different disputes with very different methods. Even better, they help you start finding patterns in these vague disputes that could point to organized fraud rings or to certain products that keep causing trouble.
What sets this template apart is how it adjusts to your goals with conditional dropdowns that automatically tailor your response to the transaction type you processed. The template guides you to show the most relevant evidence for each situation – whether you ran the sale in your shop with PIN verification or processed it online with 3D Secure authentication. Instead of sending a generic response that might miss the mark, you finish with a targeted defense that speaks to the exact circumstances of that transaction.
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