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Once in a while sale transactions just don’t run as smoothly as they should’ve. The cardholder files a dispute, requesting the card issuing bank to reverse the paid amount. This is what we call a chargeback.
Item not received: Cardholders claim that the product or service paid for was not delivered.
Fraudulent: This happens when the cardholder claims that they didn’t authorize the charge. This is one of the most common for disputes and can happen if the card was lost or stolen.
Item received not as described: The product was delivered but is defective or not as described.
Unrecognized transaction: The cardholder has forgotten or does not recognize the charge appearing on their statement.
Recurring transaction not canceled as requested
Chargebacks are often initiated by cardholders. But when it comes to lost or stolen cards the bank may automatically file a chargeback on behalf of the cardholder as form of protection while investigation to determine the legitimacy of the chargeback takes place.
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