Originally Posted by
kebosabi
Reading through the wiki, I'd like to make a pointer:
On the part that says:
"If you've been hit with DCC and the merchant did not follow the Visa/MC rules, you should file a dispute."
Dispute where should be clarified.
I can edit the wiki, but I think there's little doubt that the dispute is filed with the card issuer, similar to a fraudulent charge. You certainly wouldn't go contacting the POS terminal manufacturer in the event of a fraudulent charge.
The problem with a template is that each issuer has different forms when filing a dispute. The best we can hope for his using consistent language like requesting a "Reason Code 76 chargeback" when filing a dispute with your issuer if the card is a Visa. However, I've not had any consistency among issuers with the process of disputing a transaction. Most allow a dispute online now. Others will mail forms. Some will do both. So there isn't a one-size-fits-all template or flowchart that I can really create.