Rebuttal Letter to Bank [Account Closures & Chargebacks]

If you’re looking for suggestions on how to prepare a rebuttal letter to a bank, you’re in the right place.

Whether you’re looking to address a chargeback claim or dispute a blocked account or an account closure, we’ll share important insights on how to proceed below.

Feel free to use the table of contents to jump ahead to any sections that are immediately relevant to your search.

Table of Contents

  1. Rebuttal Letter to Bank
  2. How Do You Write a Chargeback Rebuttal Letter?
  3. Ready to Explore Your Options?

Rebuttal Letter to Bank

Rebuttal letters are an opportunity for online entrepreneurs and eCommerce businesses to push back against illegitimate chargebacks, resulting from fraud claims and payment disputes.

Chargebacks can happen when a customer claims that they did not purchase a product or service from an online store, when in fact they did complete the purchase.

Where possible, it’s important for businesses to push back against chargebacks. This is because they can be costly for the business both in terms of fees and in terms of reputation. In fact, if a business receives too many chargebacks it is not uncommon for the payment processor to close the company’s bank account.

With this in mind, business owners are incentivized to prepare a compelling rebuttal letter. This then can (in certain instances) result in chargeback claims being resolved in the business’s favor.

For this reason, whenever possible, business owners should provide supporting documentation and evidence showing that the purchase was legitimate. Evidence can include correspondence with the customer, purchase receipts, and any other documentation that shows the purchase was intentional.

Importantly, rebuttal letters should be brief and to the point. This is critical as most bank and credit card representatives reviewing the document will quickly look at the information provided.

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How Do You Write a Chargeback Rebuttal Letter?

To write a chargeback rebuttal letter, you need to include identifying information about the chargeback that you are disputing. This includes transaction ID, the amount that is being disputed, and supporting information and (where possible) documentation, should the chargeback claim is illegitimate.

In terms of the specific formatting, you should include short bullet points that clearly outline your position. Not to mention, why the chargeback should not be honored.

Furthermore, if you do have direct contact with the customer you may want to contact them directly. This will ensure that they did not mistakenly request the chargeback request. If they do not respond (or if they do respond) to your outreach, then you may want to consider including this information in the rebuttal letter as well.

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GlobalBanks Team
GlobalBanks Team

The GlobalBanks editorial team comprises a group of subject-matter experts from across the banking world, including former bankers, analysts, investors, and entrepreneurs. All have in-depth knowledge and experience in various aspects of international banking. In particular, they have expertise in banking for foreigners, non-residents, and both foreign and offshore companies.

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