Lodge formally — issuers usually ignore informal requests.
What to do
- Open a chargeback in the card app or by phone — cite codes 13.5 (misrepresentation) or 13.1 (services not received)
- If a UK credit card and the payment was over £100, also cite Section 75 of the Consumer Credit Act
- Send all evidence (screenshots, scam emails, the merchant's silence) within the issuer's deadline
- If the chargeback fails, escalate to the Financial Ombudsman / AFCA / CFPB
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Written by
Jordan DicksonFounder, CyberSecurityGuides
Founder of CyberSecurityGuides, writing practical, jargon-free guides that help everyday people recover from and protect against online attacks.
Reviewed by CSG Security Engineers