Originally Posted by
Nick92
Depending on the nature of the dispute and various factors such as type of dispute, merchant, card not-present and amount, they sometimes just issue a chargeback back to the merchant. Unless the merchant responds with documentation proving the charge, the chargeback then becomes the permanent credit. It sounds like this is what happened.
Not sure this really answers my question. Are you suggesting that there's a difference between a credit card company "issuing a chargeback and asking the merchant to respond" and something else (e.g., issuing a conditional credit and initiating a dispute process and calling for the merchant to respond)?