Key Best Practices for Disputing Charges
Act Immediately: Respond within the designated timeframe (often 20–45 days) to avoid automatic loss.
Compile "Compelling Evidence": Gather documents proving the transaction was legitimate and the service/product was received.
Signed Contracts/Invoices: Include signed fee agreements or work orders.
Proof of Delivery/Service: Use tracking numbers, digital download logs, or signed receipts.
Communication Records: Provide emails, chat logs, or text messages that confirm approval of work or resolution of issues.
Transaction Details: Include the invoice, transaction ID, and clear, detailed billing descriptors.
Address the Reason Code: Tailor your evidence to directly refute the specific reason provided by the bank (e.g., "service not received" or "unauthorized").
Highlight Key Information: Make your evidence easy to read by highlighting key terms, dates, and signatures.