The last bullet point of that section states: "The cardholder claims that the terms of the sale were misrepresented by the merchant". It also states in their r

The last bullet point of that section states: "The cardholder claims that the terms of the sale were misrepresented by the merchant". It also states in their return policy disclosure section: "For card-present transactions, Visa will accept that proper disclosure has occurred before a transaction is completed if the following (or similar) disclosure statements are legibly printed on the face of the transaction receipt near the cardholder signature area or in an area easily seen by the cardholder" I'd argue that unless the receipt also mentions Best Buy's use of a third party to potentially deny a return, they have failed to properly disclose their return policy, making a valid claim that Best Buy misrepresented their terms of sale.