Not as described / defective
"The product or service I received was materially different from what was described or advertised at the time of purchase."
What's happening here
The product or service you received was materially different from what was advertised or represented at the time of sale. You must typically try to resolve this with the merchant first.
Evidence to gather before disputing
Banks require documentation before they'll investigate. Collect these before you file:
- 01Original advertisement, listing, or description
- 02Photos of what was actually received
- 03Communication with merchant showing the discrepancy
- 04Return shipping receipt (if returned)
Dispute reason codes
These Visa/Mastercard chargeback reason codes apply to this scenario. Your bank handles the coding — this is for reference.
Time sensitivity
You have a reasonable window, but don't put this off indefinitely. Gather documentation now while the details are fresh.
Ready to dispute?
Generate a letter for this exact scenario, pre-filled with bank-specific details.