Call (844) NO-DISPUTESResponse Template for "Fraud – Counterfeit"
Chargeback Response
Dear Card Network Dispute Resolution Team,
We are responding to the chargeback filed for transaction Transaction ID dated Transaction Date in the amount of Transaction Amount with reason code Reason Code.
We strongly dispute this chargeback claim of counterfeit fraud. The transaction in question was legitimate and authorized by the genuine cardholder. Below is our comprehensive evidence:
Transaction Verification:
- The transaction was processed on Processing Date at Processing Time
- Authentication Method
- IP Address: Customer IP Address
- Device ID: Device ID
Customer Account Information:
- Customer Name: Customer Full Name
- Account Created: Account Creation Date
- Email Address: Customer Email
- Account Status
Order Details:
- Order Number: Order Number
- Product/Service: Product or Service Description
- Billing Address: Billing Address
- Delivery Method
Supporting Evidence:
- Primary Evidence Type
- Evidence Reference Number
The cardholder Customer Action. Additional Security Measures (Optional). Previous Successful Transactions (Optional).
Based on the evidence provided, we request that this chargeback be reversed as the transaction was legitimate and properly authorized.
Sincerely,
Your Name
Your Title
Company Name
Contact Phone Number
Contact Email
Counterfeit fraud chargebacks are costing merchants billions every year and criminals have become quite skilled at how they clone cards to make purchases that look completely legitimate. You did everything right – you verified the transaction, it passed all your security checks and this customer might even have a buying history with you. Then a chargeback shows up to claim that the card was counterfeit. This whole situation becomes even more frustrating because these disputes almost always favor the cardholder right from the start and it means that you have to prove the transaction was actually legitimate.
Merchants without the right paperwork lose about 80% of these counterfeit fraud disputes. You also get hit with chargeback fees that can run anywhere from $20 to $100 per dispute. And if that wasn’t bad enough, your chargeback ratio starts to climb and can land you in watchlist programs or even get your merchant account shut down. A well-structured response can turn those odds around though – merchants who put together strong evidence packages win 40-60% more of their disputes. Strong paperwork can also help you identify patterns of friendly fraud where cardholders basically claim that their legitimate purchases were counterfeit.
A structured template puts your evidence in just the logical flow that the card networks want to see and builds your credibility right from the first paragraph. Templates remove the guesswork about what evidence actually matters most – everything from your authentication methods to the customer’s buying history – so you won’t accidentally leave out something important that could damage an otherwise strong case. An effective template’s true strength is how it helps you tell a narrative that connects your technical security data with the shopper’s behavior and shows the card network why this particular transaction doesn’t match the usual counterfeit fraud patterns.
Interactive dropdown menus mean that you’re using just the right terms that each card network recognizes and expects to see, and the evidence sections are designed to directly refute the most common indicators that those networks look for in counterfeit fraud cases.
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