Common reasons & issues for transaction dispute at Bank. Applicable for both debit and credit cards.
Dispute needs to be opened in rare cases where the amount/transaction is not processed for more than 1 month.
Every bank has their own dispute forms, which are available online or at their respective branches.
DUPLICATE /MULTIPLE TRANSACTIONS: I made only one transaction but I have been charged for more than one transaction.
CANCELLED TRANSACTION: I made a transaction at a merchant outlet and cancelled it on the same date.
REFUND / CREDIT NOT RECEIVED: The merchant confirmed processing credit on my Credit Card but the same has not been credited so far (Kindly attach copy of a refund voucher or merchant acknowledgement for credit).
CASH NOT DISPENSED: I attempted to withdraw cash from an ATM but I did not/partially receive the cash however my card account has been debited with that amount mentioned above.
PAID BY OTHER MEANS: I made the transaction but payment was not made through my credit Card. Mode of payment was _______________________ (Kindly attach proof of payment i.e. cash memo, etc).
UNAUTHORIZED INTERNET & MAIL ORDER TRANSACTION: My credit card was in my possession at the time of transaction(s). I have not authorized or participated in transaction(s).
NOT AUTHORIZED THE TRANSACTION(s). I DO NOT RECOGNIZE THIS TRANSACTION: I am unable to recognize the transaction (s). Neither l, nor my supplementary Cardholders, has any knowledge of this transaction(s).
GOODS RETURNED: I purchased the goods on the date ______________________ through my Card and returned the same to the merchant on ___________________________.
NEVER RECEIVED SERVICES AND /OR GOODS: I have never availed the service nor received goods from the merchant as per the agreed date __________________.
AMOUNT ALTERED: I conducted this transaction but the amount I had originally agreed to pay is different from the one posted on my Credit Card account. (Kindly attach copy of sales slip)
DEBIT INSTEAD OF CREDIT: I was issued a credit slip of an amount _______________________ on my Card but my account has been debited instead of credited. (Kindly attach copy of credit slip).
CANCELLED MEMBERSHIP/ SUBSCRIPTION: I had been paying for my membership / subscription through my credit card but now I have cancelled this membership /subscription with the merchant on the date _______________________(DD/MM/YYYY) but I am still being charged for that amount (Kindly attach all supporting evidence /documents).
