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Assuming you first try to resolve the problem by going directly to the merchant, the following are all relevant reasons for chargebacks: Your rights when seeking redress for unfair charges are outlined in the federal Truth in Lending Act and one of its subsections, the Fair Credit Billing Act.
“If you follow the guidelines outlined under Truth in Lending, the dispute process works most of the time,” says Linda Sherry, director of national priorities for Consumer Action.
For disputes beyond 120 days, they offer a phone number.
“If the issue isn’t resolved with the merchant, then the customer should call us and file a dispute,” says Amanda Landers, spokeswoman at Capital One. Emails to the seller, ads for the item in question or proof that it was returned are all helpful forms of evidence.
You may need to provide copies of them to the credit card issuer.
Sometimes consumers have to be ready to see it through to the end.”If a merchant refuses to refund your money, your issuer may turn it back to you.
If you believe the merchant is wrong and your complaint is valid, don’t take no for an answer.“A lot of people just give it up,” Sherry says.