Reconcile each payment with a separate order or obligation before claiming the charges are distinct.
Records to compare
- Transaction references and amounts
- Order or invoice attached to each charge
- Payment status, including holds and reversals
- Any refund already issued
Check the conclusion
Similar amounts or timestamps can conceal either two legitimate purchases or a duplicate. Identify the actual item or service paid for by each completed transaction.
Prepare the response
Use the response guide to connect each statement to a record. Check the evidence and follow the deadline and submission requirements in the actual dispute.