Sorry, you are right, of course. Here, I used "chargeback" as a shortcut for saying I asked the bank to not pay out. My banks dispute form - a simple 1-pager -

Sorry, you are right, of course. Here, I used "chargeback" as a shortcut for saying I asked the bank to not pay out. My banks dispute form - a simple 1-pager - essentially leaves very little room for confusion in the nature of the dispute in any event. They have some 10-odd descriptions and one is supposed to pick the right, or closest one. I picked "I did not authorize nor was involved in this transaction". In my country the "terminology" of credit card use isn't as evolved as it is in the US - we don't actually have well defined terms like "chargeback", "dispute" etc.