Originally Posted by
Majuki
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.
Also many issuers for small amounts don't want to be bothered and evenif you request a charge back will simply credit you the difference as happened to me twice...in one case I was disputing a dcc where I never was asked to sign a sales slip and didn't realize I had been gouged till I looked at the slip. The total damage was about 34¢ but to me there is a principle. Of course, it would cost me whatever first class postage is these days to dispute the charge by mail so I tried over the phone. Sure enough, the csr said she would credit the 34¢ and not charge it back. In principle, I wanted it charged back and the amount wasn't that important but there was little else I could do (no, at that point somehow I don't think it would look right to say no to the offer, after all they were resolving the issue in my favor although Majuki anted me to pursue a chargeback. If I could have found their fax number, I can fax for free, I might have!