Chargeback Dispute Response to a Merchant
Draft chargeback Dispute Response to a Merchant with an escalation ladder and an evidence checklist.
The Open buttons send the prompt text as currently shown below to that site only when you click. Fill in the placeholders first.
Write a response to a merchant who contested my chargeback. Details I will supply: card issuer [ISSUER_NAME], merchant [MERCHANT_NAME], case [CASE_NUMBER], merchant's evidence [MERCHANT_EVIDENCE], my reply [MY_REPLY]. The letter needs to respond to each piece of evidence. Respond to each point of the merchant's evidence in order, say which is accurate and which is not, and attach my own evidence. Ask the issuer to consider the full record and keep the tone factual. What to collect first: the bank's notice and deadline, my order records, delivery proof, communications with the customer, and the refund policy shown at purchase. Reasonable asks: a ruling in the merchant's favour or a negotiated partial outcome, with the evidence acknowledged. They will often answer: "The cardholder says they never received the goods." Answer by providing the signed delivery proof and message history in the format the bank requests. Their answer is in [THEIR_RESPONSE]. For the chargeback dispute response to a merchant, first tabulate what they said and which statements are facts, which are opinions, and what is missing, then draft my response letter. Give me the finished letter together with a cover note of about 60 words, followed by the ordered next steps if there is no reply (issuer review, then ombudsman), plus the documents to collect (communications), plus a proof-of-delivery tip. Submit it through the official portal or form if one exists, and save the submission receipt as a PDF and re-check the status weekly and log it. Read this as a writing task, not legal advice, so stop short of legal conclusions. Write the letter as myself, not on anyone else's behalf, never as a lawyer or law firm, and skip any letterhead I did not give you. Ask for missing facts first and highlight what would fail without evidence. Name no legal authority you cannot source from my input; take guidance only from [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN], and tell me to verify the exact law with a qualified professional or my local consumer agency. Let it be plain, firm and fair, with no harassment or personal attacks, and state the response date I choose in [DEADLINE].
Fill in before use
Optional: type your details and the prompt above updates. Nothing is saved or sent.
Replace each bracketed placeholder with your own details, then paste into Any AI or another assistant.