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The burden of proof is on the merchant. If they don’t have a signed receipt or video evidence they probably can’t win (so any online purchases are doomed). I’ve
by zeroonetwothree 5y ago
The burden of proof is on the merchant. If they don’t have a signed receipt or video evidence they probably can’t win (so any online purchases are doomed). I’ve never failed a dispute in around 25 times, including several in the range of $2k+
- kingcharles 5y agoNo it's not. It's on you to persuade the bank it was fraudulent. If the bank doesn't believe it is fraudulent then they won't claw the money back from the merchant. Source: personal experience.
- deleted 5y ago[deleted]
- kube-system 5y agoThe bank is required by law to provide you the evidence supporting their decision -- if you request it. 12 CFR § 1026.13 (f)(2) https://www.law.cornell.edu/cfr/text/12/1026.13 https://www.law.cornell.edu/cfr/text/12/1026.13
- kingcharles 5y agoThank you, I will use this. I'm about to contact their head of legal.