•Know When to Initiate a Chargeback

There are two reasons when the card holder can initiate a chargeback: when the card was charged fraudulently, either by an unauthorized user or an ignominious vendor, or the items or services that were received by the card holder were not received, or not the same quality or type of item or service they had anticipated receiving. Examples of circumstances that warrant a chargeback include:

A consumer purchasing a brand-new item online, but receiving a used or broken item, and the seller refuses to correct the mistake;
A consumer paying for a home repair, but the worker did not complete the work that was promised;
A vendor charging a consumer's card without the consumer's knowledge, and not provided an item or service in exchange;
A vendor charging a consumer for a service or item they did not order;
A person stealing or copying t he consumer's card information, and using it to make purchases for themselves.

In any of the above cases, when the vendor refuses to refund the card holder's money, or a thief has used the card without their permission, a chargeback would be warranted to refund the card holder's money.

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Contact Your Bank to Do a Chargeback

For debit cards and checking account cards, the chargeback usually needs to be filed in person by the person whose name is on the account. To do a chargeback on a debit or checking account card, gather any information you have that may be relevant to the issue., like the signed contract between you and a vendor, or a copy of the eBay auction including the description of the item you were supposed to receive along with any e-mails about the issue. If you caught fraud on your account, you likely won't have any way to prove it's fraud, so the bank will instead ask you to write a brief summary of the fraud, and submit a signed statement swearing that you did not grant the vendor or thief permission to charge anything to your card.