When disputing a credit card transaction, why isn there an option to state the reason?
My guess is that you are trying to dispute the quality of merchandise or service as a billing dispute. You cannot dispute quality using the billing error dispute option. In the case of a quality issue, you must dispute the charge via a letter to the credit card company. You may withhold payment for the item or service while the dispute is being investigated. You will, however, still need to pay for items that you are not disputing. The credit card company is obligated to investigate the matter and resolve it within 90 days of the case being opened. The web address for the PDF above has a very good explanation of what you can dispute and how you need to do it. It also gives a sample letter for those items that must be disputed via a letter to the credit card issuer. You must have Adobe Acrobat to open the PDF. You can download Adobe acrobat here if you do not already have it: http://www.adobe.com
