California Chargeback Dispute Defense

CHARGEBACK REPRESENTMENT Merchant: [Your Business Name] Merchant ID: [Your MID] Transaction Date: [Date] Transaction Amount: $[Amount] ARN/Reference: [Acquirer Reference Number] Reason Code: [Code] - [Description] Cardholder: [Name if known] Case Number: [Processor Case #] EXECUTIVE SUMMARY We are disputing this chargeback because the transaction was valid and the cardholder received the goods/services as described. The chargeback reason of "[Reason]" is not supported by the facts. We request this chargeback be reversed in our favor. TRANSACTION DETAILS On [Date], the cardholder placed an order for [product/service description] on our website [URL]. The transaction was processed using [Visa/MC/Amex] ending in [last 4]. Order Number: [#] Item(s): [Description] Total: $[Amount] Shipping Address: [Address] Billing Address: [Address] AUTHENTICATION AND AUTHORIZATION This transaction was properly authenticated: - 3D Secure: [Yes - ECI value / liability shift confirmed] - AVS Result: [Full match / partial match] - CVV Result: [Match] - IP Address: [Address] - [City, State consistent with billing] - Device ID: [Matches X previous orders] [If applicable:] The cardholder has made [X] prior successful purchases with the same card, totaling $[Amount], with no disputes. RESPONSE TO SPECIFIC REASON CODE [FOR REASON CODE 10.4/4837 - FRAUD:] This transaction was authenticated via 3D Secure, which shifts liability to the issuer per Visa Core Rules 11.2.2.4. The cardholder completed the authentication process, confirming they authorized this purchase. Additionally, AVS and CVV matches confirm the cardholder had possession of the physical card and billing information. [FOR REASON CODE 13.1/4853 - NOT RECEIVED:] Delivery was confirmed on [Date] at [Time]. Tracking number [#] shows the package was delivered to the address provided by the cardholder. Attached evidence includes: - Carrier tracking showing delivery - [Signature confirmation / Photo proof of delivery] - Address matches billing address on file [FOR REASON CODE 13.3 - NOT AS DESCRIBED:] The product delivered matches our published description exactly. The cardholder did not contact us to request a return or exchange before filing this dispute. Our return policy (attached) provides [X] days for returns, which the cardholder did not utilize. The cardholder's failure to attempt resolution through proper channels before disputing should be considered. [FOR REASON CODE 13.2 - SUBSCRIPTION:] The cardholder enrolled in our subscription service on [Date] and agreed to our terms of service (attached) which clearly state [billing terms]. We sent billing notifications on [dates] before each charge. We have no record of a cancellation request. The cardholder accessed/used the service on [dates] during the disputed period. COMPELLING EVIDENCE ENCLOSED 1. Transaction receipt and authorization record 2. [Delivery confirmation / tracking] 3. [Customer communications] 4. [3DS authentication record] 5. [Terms of service accepted by customer] 6. [Product description at time of purchase] 7. [Customer usage/access logs] 8. [Prior transaction history with same card] CONCLUSION Based on the evidence provided, this chargeback is invalid. The transaction was properly authorized, the goods/services were delivered as described, and the cardholder received full value. This dispute appears to be [friendly fraud / buyer's remorse] rather than a legitimate claim. We respectfully request this chargeback be reversed in our favor. Submitted by: [Your Name] [Title] [Business Name] [Contact Email] [Phone] [Date]