Home > Templates > Incorrect Merchant Name/Location

Response Template for "Incorrect Merchant Name/Location"

Response Template Generator By downloading this template, you agree to our Terms & Conditions

Chargeback Response

Chargeback Response - Incorrect Merchant Name/Location
Dear Issuing Bank,

We are writing in response to the chargeback filed for transaction ID Transaction ID dated Transaction Date in the amount of Transaction Amount.

The cardholder has disputed this transaction claiming an incorrect merchant name/location. We respectfully disagree with this chargeback and are providing the following information to demonstrate that this was a legitimate transaction authorized by the cardholder.

Transaction Details:

Merchant DBA Name: DBA Name

Legal Business Name: Legal Business Name

Transaction Location: Transaction Location

Billing Descriptor: Billing Descriptor

Authorization Code: Authorization Code

Explanation of Name/Location Discrepancy:

Reason for Discrepancy. Detailed Explanation of Name/Location Difference

Supporting Evidence:

We have attached the following documentation to support our position:

Primary Evidence Type

Proof of Delivery/Service Completion Additional Delivery/Service Details (Optional)

Customer verification showing Verification Method

The cardholder Customer Interaction. Additional Customer Interaction Details (Optional)

Based on the evidence provided, we respectfully request that this chargeback be reversed as the transaction was legitimate and properly authorized by the cardholder. The merchant name/location shown on the statement accurately reflects our business operations.

Sincerely,

Your Name
Your Title
Company Name
Contact Phone Number (Optional)
Contact Email Address (Optional)

Effective Date: August 12, 2025

1. ACCEPTANCE OF TERMS

By accessing, downloading, or using any templates, materials, or services provided by Fightdisputes.com ("we," "us," "our," or the "Company"), you ("User," "you," or "your") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not access or use our templates or services.

2. NATURE OF SERVICES

2.1 Educational Templates Only

The chargeback response templates and related materials provided by Fightdisputes.com are offered solely for informational and educational purposes. These templates are generic examples and may not be suitable for your specific situation.

2.2 Not Legal or Financial Advice

IMPORTANT: Our templates and services do not constitute legal, financial, or professional advice. We are not attorneys, financial advisors, or payment processing professionals. For advice specific to your situation, you should consult with qualified professionals.

3. DISCLAIMER OF WARRANTIES AND LIABILITY

3.1 No Guarantee of Results

We make no representations, warranties, or guarantees that:

Use of our templates will result in successful chargeback disputes
Templates will be appropriate for your specific circumstances
Templates comply with all applicable laws, regulations, or card network rules
Information provided is complete, accurate, or current

3.2 "As Is" Basis

All templates and materials are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

4. LIMITATION OF LIABILITY

4.1 No Liability for Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIGHTDISPUTES.COM, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY:

Direct, indirect, incidental, special, consequential, or punitive damages
Loss of profits, revenue, data, or business opportunities
Damages arising from your use or inability to use our templates
Unsuccessful chargeback disputes or financial losses
Actions taken by banks, card networks, or payment processors

4.2 Maximum Liability

In no event shall our total liability exceed the amount you paid to access our services (which is $0 for free templates).

5. USER RESPONSIBILITIES

By using our templates, you acknowledge and agree that:

5.1 Accuracy of Information

You are solely responsible for:

Ensuring all information you include in templates is accurate and truthful
Complying with all applicable laws and regulations
Meeting all deadlines and requirements set by card networks and banks

5.2 Review and Customization

You must:

Carefully review and customize templates for your specific situation
Verify that templates comply with current card network rules
Not use templates for fraudulent or deceptive purposes

6. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Fightdisputes.com and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

Your use of our templates or services
Your violation of these Terms
Your violation of any laws or regulations
Any false or misleading information you provide in chargeback responses
Any disputes with banks, card networks, or customers

7. INTELLECTUAL PROPERTY

7.1 Ownership

All templates, content, and materials on Fightdisputes.com remain our property or the property of our licensors.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to use our templates for your personal or business chargeback responses only.

8. PROHIBITED USES

You may not:

Resell, redistribute, or commercialize our templates
Use templates for illegal or fraudulent purposes
Misrepresent the nature of transactions in chargeback responses
Hold us responsible for the outcome of chargeback disputes

9. CHANGES TO TERMS

We reserve the right to modify these Terms at any time. Continued use of our services after changes constitutes acceptance of the modified Terms.

10. GOVERNING LAW

These Terms shall be governed by the laws of California, without regard to conflict of law principles.

11. SEVERABILITY

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

12. ENTIRE AGREEMENT

These Terms constitute the entire agreement between you and Fightdisputes.com regarding the use of our templates and services.

13. CONTACT INFORMATION

For questions about these Terms, please contact us at: info@fightdisputes.com

Credit card statements that show the wrong business name or location cause thousands of chargebacks that could be stopped month after month. Customers glance at their statement and see a merchant name they don’t know and their first thought is that it’s fraud – so they dispute the charge without thinking twice.

Payment processors track businesses with high dispute rates and they can really hurt your approval rates and damage your processing relationships later. The confusion gets even worse with franchise locations that show the wrong branch information or online businesses that display some unfamiliar technical processor name instead of the actual business name that customers would know.

The fix starts with learning about how merchant data moves through the payment systems and then taking quick action to correct any inconsistencies. Merchant naming errors happen for obvious reasons and you can stop them from ruining your chargeback prevention work.