- Posts: 1
- Joined: Tue Jan 07, 2014 9:49 am
- Location: Miami, FL
Company probably Represented the Chargeback. Generally, when a dispute is filed you receive a temp credit from the bank. They then assign a rep from their internal fraud team to quickly review the claim and decide whether it will be processed as a Chargeback. This is based off how many disputes the customer has previously filed, how many disputes the company has had filed against them etc etc. Once the Chargeback is submitted to the company, it's either Represented or not. If they didn't Represent right away, then chances are that's why you were told the dispute was "closed". Representment is when the company has the chance to respond to your chargeback, including the proper documentation/evidence/facts/proof etc it has to show the transaction was authorized and legit. If they did that and the bank decided it was enough proof, then the temp credit you originally received would be debited back out of the account. As far as the rep filing another Chargeback and all the other things going on, I can't help you there. I can say that In my experience 9/10 times, these reps we get on the phone have no idea what they are doing.