Act within a week
Didn't receive goods or service
"I paid for goods or services that were never delivered or provided."
What's happening here
You paid for a product or service that was never delivered. This applies to cancelled flights, undelivered orders, no-show contractors, or merchants who went out of business after you paid.
Evidence to gather before disputing
Banks require documentation before they'll investigate. Collect these before you file:
- 01Proof of purchase / order confirmation
- 02Expected delivery or fulfillment date
- 03Communication with merchant showing no delivery
- 04Tracking information (if applicable)
Dispute reason codes
These Visa/Mastercard chargeback reason codes apply to this scenario. Your bank handles the coding — this is for reference.
13.1
Time sensitivity
Most banks give you 60 days from the statement date. Don't wait until the last week — gather evidence now and file within the next few days.
Ready to dispute?
Generate a letter for this exact scenario, pre-filled with bank-specific details.