![]() Learn more about representmentĬhargebacks serve as an essential consumer protection mechanism. The issuer then examines this evidence and issues a ruling, either upholding the original transaction or filing a second chargeback. Using the representment process, the merchant gathers evidence and resubmits the transaction to the bank. This happens through a litigation-based process known as representment. Of course, the merchant has the option to fight back if they believe a customer’s claim is invalid. The bank will then either reverse the charge, or deny the cardholder’s request. The bank will investigate the cardholder’s claim, looking at the evidence at hand. This article explains how you can go about disputing a charge. Or, the customer might claim that the merchant made false promises, and that the goods or services provided didn’t live up to the seller’s description. This could be a case of card fraud, in which a criminal uses the customer’s credit or debit card without authorization. To understand this, let’s cover the basics first.Ī “chargeback” happens when a cardholder contacts their bank and disputes a charge appearing on their statement.
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