Your chargeback or billing dispute was rejected
You disputed a charge, and the answer came back no. The letter usually says why, in a sentence or two, and that sentence is what your next move has to answer — because a rejection is commonly the end of one stage, not the end of the dispute.
What this reply usually is
A rejection reply comes from your bank or card issuer, or from the merchant you paid, and says the dispute has been decided against you. It commonly names the transaction, the reason you gave, and the reason the decision went the other way — evidence the merchant supplied, a term you agreed to, a window that had closed, or a form of proof that was not sent.
What it usually asks for
Nothing, usually: it closes a case. What it commonly offers instead is a next step — a further review with the bank, a complaint to a separate body, or a direct approach to the merchant — and what that step needs. If yours names one, it names who to write to and by when. If it does not, asking in writing what happens next is a reasonable letter on its own.
The deadlines that commonly apply
Where a rejection can be taken further, the window is commonly stated in the reply itself, and it is often short. Your letter names who to write to and by when, or it does not. The date on a rejection is the sender describing its own process, not a statement of what any law requires.
Three ways to respond
- 1Ask in writing for the evidence the decision relied on, including anything the merchant supplied that you have not seen.
- 2Ask for the further review the letter describes, answering the stated reason with the proof it says was missing.
- 3Write to the merchant directly, setting out what went wrong and what you are asking them to put right.
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Frequently asked questions
CraftMyLetter writes and delivers letters. It is not legal advice, we are not a law firm, and nothing here is a statement of what any law requires.