Learn whose strategies to use as she fight and prevent end. . . Cardholder Dispute. 196 The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just experienced with Travel Insurance Resolution. See a complete list of all current and deactivated Remittance Advice Remark Codes. Mastercard is in the process of updating chargeback management regulations. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. 3. The issuing bank received a claim from the cardholder that merchandise or services ordered were not received or that the order was cancelled due to the delay in the delivery of merchandise or services. In all cases in which a full pardon has been granted by the Governor of this state or will hereafter be granted by the Governor to a person convicted of an offense to which the pardon applies, it shall operate to restore to the convicted person, all the rights, privileges, and franchises of which he or she has been deprived in consequence of that conviction. Linda finds it difficult to use the product as decides to dispute the transaction in the hope of winning the chargeback under the Reason Code 4853: Not as Described or Defective Merchandise. Product unacceptable chargebacks are represented by American Express reason code C31, Visa reason code 53, MasterCard reason code 4853, or Discover reason code 4553. #DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…Arbitration Chargeback/1442 Message - MasterCard. 6. (Reason Code 4853). 4853: Credit not processed. 4853. While technically functional, it is being consolidated into 4853, and therefore should not be used. The shorthand description is “Duplicate Processing/Paid by Other Means. Proof you have already refunded the transaction and credited the cardholder’s account. Reason code 4853 refers to the broad category “Cardholder Dispute. Response. A chargeback is the potential outcome of a disputed credit or debit card transaction. This includes, but is not limited. 4853: Purchase transaction did not complete. EMV Liability Shift Non-Counterfeit Fraud. Login to YUMPU News Login to YUMPU Publishing4853: Cardholder Disputes. . 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. Issuers are currently allowed to use reason code 4860, however, this code will soon be eliminate. Cause. 6: Credit not processed: MasterCard Dispute Reason Code 4837: No cardholder authorization: MasterCard Dispute Reason Code 4853: Not as described or defective merchandise: MasterCard Dispute Reason Code 4855: Non-receipt of. 4853 – Cardholder Dispute – Goods or Services Not Provided Dispute Code 4853 Category Cardholder Dispute Message System Dual Message System DESCRIPTION Why did I. In the Dev Studio header search field, search for and open the reason code for which you want to configure documents. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Refocus on the Customer Experience. 246 5. 4853: Purchase transaction did not complete. Clearly explain your cancellation and no-show policy, and have the cardholder agree to the terms before finalizing the reservation. 4853: Credit posted. This chargeback will include a description that provides additional information: Who most comprehensive guide into chargeback reason codes. Forexample, Visa uses Reason Code 53 and MasterCard uses Reason Code 4853 to identify “merchandise not as described”chargebacks. The most common causes for this type of chargebacks are that the merchant:Arbitration Chargeback/1442 Message - MasterCard. Reason codes are meant to tell merchants why a cardholder requested a Mastercard chargeback. Back SubmitThese types of chargebacks are listed with the following reason codes: MasterCard Reason Code 4853: Cardholder Dispute — Defective Merchandise / Not as Described. 4853: Credit posted. Europe Region Operations Bulletin No. Note: Mastercard has discontinued the use of reason code 4859, merging it into code 4853. The card issuer must wait at least 30 calendar days from the date the cardholder returned the merchandise, before charging back the transaction. 3 Incorrect Currency. Virtual Terminal. Except when the physical differences between the stickers, tabs, or devices and license plates by their nature render the provisions of this code inapplicable. Digital Goods $25 or less. In such circumstances, Mastercard may allow consumers to reverse a transaction by filing a chargeback. 9. Reason code 4853 indicates the broad category “Cardholder Dispute,” which in general means the cardholder disagrees with a transaction, and claims the merchant made a. 4853: Credit posted. Documentation must be a direct result of cardholder communication. [MasterCard Reason Codes 4853, 4855, 4859; Visa. 4853 – Cardholder Dispute – Credit Posted as a Purchase. Reason code 4853 indicates the broad category “Cardholder Dispute,” which in general means the cardholder disagrees with a transaction and blames the merchant. Visa chargeback codes are broken up into four categories: A chargeback is an adjustment to a merchant's account from a previous sales transaction. Reason Code 4853 - Digital Goods Purchase of $25 or Less. This reason code is assigned to consumers wishing to file a chargeback for defective product. 6. rdmd-html { margin-left. Here's a list of all the current Visa reason codes: Chargeback Code. It also occurs when. ”. 6. . This code list is used by reference in the ASC X12 N transaction 835 (Health Care Claim Payment/Advice) version 004010A1 Implementation Guide (IG). ”. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. 246 5. Canadian Gateways using Chase Paymentech. Expedited Dispute Resolution forms will not be allowed. Mastercard. [MasterCard Reason Codes 4853, 4855, 4859; Visa Reason Codes 30, 53; Discover Reason Code 4553, 4755]" These are factual statements. 4853: Canceled recurring transaction. Reason Code Description; 4853: Services not provided/Merchandise not received. Provide all of the following as relevant compelling evidence: A copy of the transaction receipt; Certification confirming that Dynamic Currency Conversion was chosen by the cardholder and not by the merchant; DCC Unknown/Refused Applies to Reason Codes. 4859 Addendum, No-show, or ATM Dispute. 4853 - Cardholder Dispute; How to Respond. Clearly explain your cancellation and no-show policy, and have the cardholder agree to the terms before finalizing the reservation. Web I'm Super Frustrated With Booking. 4860 Credit Not Processed. “Credit Not Processed” chargebacks should now be filed under. Mastercard. Train your staff so the guest won’t accidentally be charged a no-show fee if the accomodations were used or you offered alternate accommodations. 6. Here's one example of a rebuttal letter you might write for a chargeback with a reason code indicating "merchandise not received. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. 4853: Counterfeit merchandise. 5, B. Self publishing . Reason Code Description; 4853: Services not provided/Merchandise not received. A chargeback occurs when a cardholder disputes a transactio#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…Arbitration Chargeback/1442 Message - MasterCard. Cardholder Dispute. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. For most reason codes, the card issuer has up to 120 days after the transaction date to post the dispute. The cardholder claims the merchant delivered counterfeit products. View the most common claim submission errors below. The issuing bank received a claim from the cardholder that merchandise or services ordered were not received or that the order was cancelled due to the delay in the delivery of merchandise or services. For a no-show reason code to apply. 4853. Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant. Visa Reason Code 13. 5. Reason Code 4860 is considered a legacy code. . Region Only) 4855 Goods or Services Not Provided. 4853: Counterfeit merchandise. In other words, any type of payment card transaction can lead to a chargeback and lost revenue. 9. Proof the cardholder no longer wishes to. Product unacceptable chargebacks are represented by American Express reason code C31, Visa reason code 53, MasterCard reason code 4853, or Discover reason code 4553. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 3. In the Add to ruleset list, click a ruleset name and version. What is Mastercard chargeback reason code 4853? Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. Chargeback Rebuttal Letter Samples. Lecture 3: Chargeback Reason Codes Leaders; Chapter 4: Yank Express Chargeback Reason Codes; Chapter 5: Mastercard Chargeback Reason Codes; Choose 6: Us Chargeback Reason Codes; Chapter 7: Chargeback responses; Chapter 8: Chargeback response templates; Chapter 9: Chargeback accounting; Chapter 10: Arbitration; Chapter. The list of reason codes can seem overwhelming, but taking the time to familiarize yourself with them can help you prevent chargebacks and protect your business. 55#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…The Total Processing team will be at the Retail Technology Show in London next week to discuss the latest and most innovative ways to elevate your customer…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…California Code, Family Code - FAM § 4053. The actual underlying. Reason Code 4853. the date the service was canceled, or. . 246 5. However, the usual cause of this chargeback would have been non-receipt of goods or services that the cardholder. Mastercard /. Global Operations Bulletin No. Description. 6. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize. Login to YUMPU News Login to YUMPU PublishingViews: Cybersource transaction responses will contain either reason codes or reply flags, depending upon the integration method employed. Hard Decline. Field Description Europe Region Operations Bulletin No. Cardholders can file disputes starting from the transaction date, or the merchandise delivery date, service cancellation date, or when the services were ended. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. If your card issuer tells you to pound sand again, tell them to pound sand and immediately close your account. Category. 246 5. 3. 4853: Purchase transaction did not complete. In all cases in which a full pardon has been granted by the Governor of this state or will hereafter be granted by the Governor to a person convicted of an offense to which the pardon applies, it shall operate to restore to the convicted person, all the rights, privileges, and franchises of which he or she has been deprived in consequence of that conviction. . Learn more in our Cookie Policy. 4853: Cardholder Dispute: 4850: Installment Billing Dispute: List of reason codes supported by Pega Smart Dispute for Issuers in Maestro are as following: Reason codes in Maestro. © The chargeback timeline can be based on one of three start dates. Credit Posted as a Purchase chargebacks, for example, at. Reason Code Description; 4853: Services not provided/Merchandise not received. Chargeback Reason Codes /. For any line or claim level adjustment, 3 sets of codes may be used: Claim Adjustment Group Code (Group Code) Claim Adjustment Reason Code (CARC) Remittance Advice Remark Code (RARC) Group Codes assign financial responsibility. 4853 – Cardholder Dispute – Digital Goods Purchase of $25 or Less. 4 –. And customers file ‘Product Unacceptable’ Shopify payment chargebacks when they feel the goods they received either came damaged, was defective, or was not as described by the. Proprietary. Under HIPAA, all payers, including Medicare, are required to use reason and remark codes approved by X12 recognized code set maintainers instead ofWe would like to show you a description here but the site won’t allow us. 4853: Credit not processed. 1 Quick Reference Lead. 9, September 2015 Updates to 3. 8 Original Credit Transaction Not Accepted. 4853: Cardholder disputes This reason code for Mastercard contains a lot of different varieties of cardholder disputes. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize. 4853: Canceled recurring transaction. The cardholder claims that card information used to create an account for digital purchases lacked necessary purchase controls, leading to. Though the. The codes also appear on financial reporting associated with disputes. (Reason Code 4853). 4 – Counterfeit Merchandise, which applies only to physical products. The merchant shipped merchandise that wasn't what they claimed to be. Self publishing . 6. Mastercard is in the process of updating chargeback management regulations. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize —Potential. . Acquirer Use of Message Reason Code 7623. message. In claims featuring a 4853 reason code, one of the possible causes is “Counterfeit Goods. The messages listed are samples of messages that the system can return. It will be incorporated into code 4853. When necessary, an additional message will be provided along with the. 8 about charges for loss, theft, or damage. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. 4854 Cardholder Dispute—Not Elsewhere Classified (U. This reason code indicates that the cardholder is disputing the transaction as a duplicate charge. the date the goods were returned. Please see the attached document for the Chase Paymentech Error/Decline code list:Arbitration Chargeback/1442 Message - MasterCardSelf publishing . Cause. The site will display a list of people who may be related to the person. Replace reactive solutions with a proactive approach to experience. Click Save as. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. Since the messages are subject to change at any time, you. Visa), but the card number indicates a different card type (e. 5. 1 Duplicate processing. Switch to Visa MasterCard American Express Discover. Each reason code has certain standards of proof and evidence associated with it that determine whether the chargeback is valid or not. You can then mark the number as safe or spam. . 12 Example 12—Message Reason Code 4853—Cardholder Dispute. Self publishing . 3: Not as described or defective merchandise: VCR Dispute Reason Code 13. See full list on chargebacks911. . Visa chargeback reason code 12. Documentation must be a direct result of cardholder communication. Chargebacks Explained; Chargeback Representment;. eCommerce. Reason Code: Description: 17: Cash Dispute-ATM Only: 30: Cardholder Disputed Amount (U. . Login to YUMPU News Login to YUMPU PublishingArbitration Chargeback/1442 Message - MasterCardHello 🇬🇧CLOSE TRY ADFREE ; Self publishing ; DiscoverSummary of Changes, 10 May 2016 This document reflects changes made since the 28 April 2016 publication. Bank/mt940 - Invalid BIC/Swift in co-relation to countryCode . Join me and thousands of industry professionals where you can…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…MCC 4411—Cruise Lines. 6. Visa Reason Code 53: Not as Described or Defective Merchandise. The Mastercard dispute reason code 4853 Cardholder dispute is a relatively new reason code which is raised when the cardholder contacted their issuer claiming that one of the following dispute reasons is applicable: Services not provided/Merchandise not received. 246 5. Merchants who receive a chargeback for a transaction placed with a Mastercard card may encounter reason code 4853, which indicates a disputed transaction that the cardholder does not believe they should be responsible for paying. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard. In theory, the reason code will pinpoint why the cardholder is disputing the transaction. 4853: Credit not processed. #DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…#DigitalServicesAct: The Commission has designated the following services as Very Large Online Platforms and Very Large Search Engines: #VLOPs: Alibaba…1 Day to go! Will I see you there? Call by the Mastercard stand 5C40 where we will be showcasing our latest retail innovations! #rts2023 #retailtechnology…Arbitration Chargeback/1442 Message - MasterCardA great opportunity to join a high performing and growing team within the European FIG franchise. The chargeback amount for Reason Code 53 and 4853 chargebacks is limited to the amount of the returned merchandise or canceled service and it may include shipping and handling fees. related Chargebacks (Reason Codes 4837, 4840, 4849, 4863, 4870, and 4871), Chip/PIN Liability Shift (Reason Code 4871) section. 3 is an updated version of legacy reason code 53, which was phased out under the Visa Claims Resolution initiative. View the entire list or search for any chargeback reason code. Payout party/account BIC/Swift invalid. Category. The implication is that the merchant failed to put adequate purchase controls on the account when it was set up. However, the 30 day waiting period can be waived if you’ve. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. Dispute Code. Field Description Europe Region Operations Bulletin No. 4853: Credit not processed. 10. . 4853: Credit posted. PCI DSS v3. 304. . Type: objectDomain: auditEvent: dispute_status_changeVersion: 2 / Style the tab /. Login to YUMPU News Login to YUMPU PublishingChargeback Guide (PDF) - MasterCard4853 Addendum Dispute . 1. 4853: Canceled recurring transaction. 1 - Merchandise/Services Not. Visa Chargeback Reason Codes. The actual underlying cause of. There are some time limits imposed by card networks on disputes. Merchants should confirm complete transactions via email or text. 4853: Purchase transaction did not complete. Arbitration Chargeback/1442 Message - MasterCardReason/Remark Code Lookup. Reason code 4853 refers to the broad category designated as “Cardholder Disputes,” meaning the cardholder has contacted the bank claiming that something is wrong with a transaction. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Here are five key things to know:. The issuer must let at least 15 calendar days pass before initiating a dispute unless the. The merchant shipped merchandise that wasn't what they claimed to be. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. Self publishing . 4853: Credit not processed. Resolution: When submitting an adjustment (XX7) or a cancel (XX8), a Claim Change Reason Code is required. 4853 — Cardholder Dispute The cardholder disputes the transaction if the wrong merchandise arrives or if they received a defective product. 6. 13. 2. The chargeback amount for Reason Code 53 and 4853 chargebacks is limited to the amount of the returned merchandise or canceled service and it may include shipping and handling fees. For more information about chargebacks filed with this reasoning, please see reason code 4853, subcategory Goods or Services Not. 9. . 4853: Cardholder Dispute of a Recurring Transaction: 4853: Goods or Services Not Provided: 4853: No-Show Hotel Charge:. This is a card present response, but in a card not present environment. HeChargeback Message Reason Code 4901. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. Cardholder claims the merchant continued to bill the card after a recurring transaction was cancelled, or. The Mastercard dispute reason code 4853 Cardholder dispute is a relatively new reason code which is raised when the cardholder. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. 246 5. Chargeback reason codes are a set of numbers and letters indicating why a customer is requesting a refund for a purchase. 1 Late Presentment. The code can be used in multiple specific situations, many of which had their own individual codes at one time. Applies to Reason Codes. Category. Chargeback reason code 4853 can be used to indicate disputes where the cardholder claims that unauthorized purchases were made from a digital account with a merchant (among other conditions). For more information about chargebacks filed with this reasoning, please see reason code 4853, subcategory Credit Not Processed. Reason Code 4853. Your chargeback response must include at least one of the following items: Explanation and documentation to refute the cardholder’s claim. Shared Deposits Only) 70:Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4853 Credit Not Processed . 5. The chargeback reason code is 13. 5. Mastercard Merchant Official Documentation. 4853: Goods not as described/defective. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. - Digital Goods Purchase of $25 or Less. This reason code covers chargebacks related to the EMV liability shift, which leaves merchants liable for fraudulent transactions in which the card had an EMV chip, but the merchant processed the transaction without using it. – This response is only returned if the enhanced cancel button functionality is enabled within the Hosted Paypage configuration. Mastercard Reason Code 4853 – Goods or Services Not Provided; Discover Reason Code AA – Does Not Recognize; In contrast, some reason codes are highly specific and apply only to a certain type of product. The original transaction terms weren't clear. Applies to Reason Codes. Proof you adhered to Mastercard’s Transaction Processing Rules section 3. 4853: Goods not as described/defective. While the format of chargeback reason codes varies depending on the card network, all codes are alphanumeric. . Issuers are currently allowed to use reason code 4860, however, this code will soon be eliminate. The code can be used in multiple specific. 246 5. Mastercard). 3. They shouldn't exceed 540 days from the transaction date. Proof you have already refunded the transaction and credited the cardholder’s account. You cannot refer the customer to the manufacturer if the product is defective or damaged. Reason Code. 4853: Addendum dispute or “no-show” hotel charge was billed. It will be incorporated into code 4853. 983. This is the big one. Login to YUMPU News Login to YUMPU PublishingReason Code Requirements. 4859 Addendum, No-show, or ATM Dispute. Login to YUMPU News Login to YUMPU PublishingCalifornia Code, Vehicle Code - VEH § 4463. Don’t waste valuable resources on inefficient management strategies. Stage 1, Phase 2: Card network facilitates the inquiry to the merchant. 4841. VCR Dispute Reason Code 13. 4853: Goods not as described/defective. Description of Change Where to Look Corrected the calendar days for the AuThe adjustment (type of bill XX7, or XX8) or reopening request (type of bill XXQ) does not include a claim change reason code. When one cardholder initiates a dispute with their issuing bank, a. 4853: Cardholder Dispute of a Recurring Transaction: 4853: Goods or Services Not Provided: 4853: No-Show Hotel Charge: 4853: Addendum Dispute: 4853: Credit Not Processed: 4853: Goods/Services not as Described or Defective: 4853: Digital Goods $25 or less: 4853: Counterfeit Goods: 4853: Transaction Did Not Complete: 4853: Credit Posted as a. 983. Cardholders can file disputes starting from the transaction date, or the merchandise delivery date, service cancellation date, or when the services were ended. Description of Change Where to Look Corrected the calendar days for the AuChargeback Guide (PDF) - MasterCardChargeback Guide (PDF) - MasterCardthe chargeback reason “Services Defective/Not as Described” – Reason Code 8 ñ ï” The Complainant states that “the merchant did not provide the service as described on their website and in their promotion material. Arbitration Chargeback/1442 Message - MasterCardSummary of Changes, 8 December 2015 This document reflects changes made since the 28 May 2015 publication. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. This reason code is assigned to consumers wishing to file a chargeback for defective product. The credit card has increasingly become the most accepted payment mode for both offline and online transactions in today’s world; it provides cashless shopping at every shop across the world. Either the chargeback must be processed within 120 calendar days of: the date on the credit documentation, or. 4853 – Cardholder Dispute – Counterfeit Goods. 7 Cancelled Merchandise/Services; 12. Replaced Chapter 5—Arbitration Procedures, with Chapter 4—Arbitration Casemay be used only for non–fraud-related disputes using message reason<br /> codes 4831, 4841, 4846, 4853, 4854, 4855, 4859, and 4860. Most Common Causes The merchant: Sent the wrong merchandise or didn’t satisfy the customer’s need Did not send the goods/service by the agreed delivery date. 4853: Credit not processed. . Visa chargeback reason codes. It is very similar to: Mastercard's 4853- Defective/Not as Described Reason Code. Mastercard Merchant Official Documentation. 6. In reality, however, the true cause of a chargeback may be anything from a misunderstanding, to buyer's remorse, or even deliberate cardholder abuse. 13 Example 13—Message Reason Code 4863—Cardholder Does Not Recognize. 4853: Addendum dispute or “no-show” hotel charge was billed. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. Reason Code. 4853: Canceled recurring transaction. Cardholder Disputes. #insurance #insurtech #paymentsinnovation Jason Clinton…Ăn mòn đối với các kim loại: đang được dịch, vui lòng đợi. With the flexibility to accommodate a variety of payment options, sales methods, and reason codes, Chargebacks911 has what you need, when you need it. 6 falls under the “Processing Errors” category. You cannot refer the customer to the manufacturer if the product is defective or damaged. " Dear [Name of Recipient], I write this rebuttal letter contesting chargeback [number] for [dollar amount]. Hello 🇬🇧Arbitration Chargeback/1442 Message - MasterCard#288. Claim.