Call (844) NO-DISPUTESResponse Template for "Timeshare Cancellation"
Chargeback Response
Dear Card Network,
We are responding to the chargeback filed for transaction Transaction ID dated Transaction Date in the amount of Transaction Amount.
Transaction Details
- Cardholder Name: Cardholder Name
- Last 4 Digits of Card: Last 4 Card Digits
- Service Type: Timeshare Service Type
- Property Location: Property Location
- Contract Date: Contract Date
Evidence of Valid Transaction
The cardholder entered into a legally binding agreement on Agreement Date for timeshare services. The following evidence supports the validity of this transaction:
- The cardholder Signature Status the contract
- All terms and conditions, including the cancellation policy, were Disclosure Method
- The Cancellation Period day cancellation period expired on Cancellation Expiry Date
- Services were Service Status
Customer Communication History
Our records show the following interactions with the cardholder:
- Initial contact: Initial Contact Date
- Contract delivery: Contract Delivery Date
- Follow-up Status
Additional Communication Details (Optional)
Cancellation Policy Compliance
The cardholder was informed of our cancellation policy, which states that cancellations must be submitted in writing within Cancellation Window of the contract date. Cancellation Attempt.
Supporting Documentation
We are providing the following documentation to support our position:
- Signed contract agreement
- Proof of Delivery Type
- Cancellation policy acknowledgment
- Transaction authorization records
Additional Evidence Description (Optional)
Based on the evidence provided, we respectfully request that this chargeback be reversed. The transaction was authorized, the services were Fulfillment Status as agreed, and all terms were disclosed in accordance with applicable regulations.
Additional Comments (Optional)
Thank you for your consideration.
Sincerely,
Your Name
Your Title
Company Name
Timeshare chargebacks usually start to roll in around 40 to 60 days after someone first buys and this timing is no coincidence – it’s right when the buyer’s remorse is strongest and the rescission period is long gone. Maybe you recorded every detail from the sales presentation and you have the signed contract in your files. Maybe you have all of the disclosures about the cooling-off period and even a recording where the customer explicitly said they didn’t want to cancel during their rescission window. None of that seems to matter when you suddenly try to defend a transaction where the customer swears that they never agreed to buy anything in the first place.
The quality of your records makes all of the difference between a successful defense and an expensive loss in these disputes. Timeshare businesses that lose their chargeback cases are usually out somewhere between $3,000 and $15,000 per dispute and this doesn’t even include the commission clawbacks. Too many chargebacks will land you in a review program that could double your processing fees or get your merchant account shut down completely. Businesses with well-organized replies that show that they followed all of the rescission requirements can win more than 65% of their disputes. Businesses with poor records barely win 20% of the time.
A structured template helps ensure that you include all of the important timeshare-related evidence like those rescission acknowledgments and cooling-off period documents that generic chargeback replies always seem to miss. The template walks you through the exact sequence for your evidence that puts regulatory compliance front and center and it is what the reviewers want to see in timeshare disputes. Templates also help to standardize how your whole team responds to these disputes. Even part-time staff members can put together strong rebuttals without having to get lots of training on what each card network wants to see.
This particular template was built specifically for the special problems that timeshare chargebacks have. It includes dedicated fields for all of the important details like rescission period tracking and contract delivery methods. It covers all of the different service types from first purchases to maintenance fees. Best of all, it prompts you for just the right evidence to prove you followed the card network requirements and whatever state timeshare laws apply to your case.